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Sign up for the Chase Freedom Unlimited Card to earn $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. However, this bonus can be wroth more if you use this card with other cards from Chase. We will go over this more below!
It also makes up the lack of bonus categories by being a exceptional daily credit credit to make purchases in a means of convenience and flexibility. Chase emphasizes that this card will have no minimum to redeem for cash back. Not only that, but cardholders can redeem their cashback anytime and anywhere.
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Now, comparatively, the Chase Freedom Unlimited doesn’t offer the 5% category that the Chase Freedom Flex offers, but you could earn an unlimited Chase Ultimate Rewards points everywhere. Plus, this card will have an attractive $0 annual fee attached to it!
Compare this card with other Chase credit card offers or other top credit card bonuses.
Table of Contents
- 1 Chase Freedom Unlimited Card Summary
- 2 Editor’s Alternate Pick
- 3 Chase Freedom Unlimited $200 Bonus Cash
- 4 How Much Are Chase Freedom Unlimited Rewards Worth
- 5 How to Redeem Rewards
- 6 Earn More Ultimate Rewards Points
- 7 Maximize Value With Chase Freedom Unlimited Card
- 8 Conclusion
- 9 What’s the Competition?
Chase Freedom Unlimited Card Summary
| Bonus Available | Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. |
| *Bonus Value | $400 |
| Ongoing Rewards/Benefits | Earn 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year.
Earn 5% on Chase travel purchased through Ultimate Rewards, 3% on dining and drugstores, and 1.5% on all other purchases. Earn unlimited 1.5% cash back on all other purchases. More value when paired with certain other Chase cards. |
| Foreign Transaction Fees | 3% |
| Annual Fee | $0 |
Recommended Free Credit Score (Get Free Score)
690 – 850 (Good – Excellent)
* The Freedom Unlimited is issued by Chase Bank. They also offer great sign-up bonuses. You can also compare this card with other credit card bonuses!
* Bonus value is an estimated value calculated by BankCheckingSavings and not the card issuer.
View our latest valuations here.
PROS
- No annual fee
- Versatile rewards
CONS
- Good-Excellent credit needed to qualify
- No bonus categories
- Has foreign transaction fees
Editor’s Alternate Pick
 The Capital One Quicksilver Cash Rewards Card offers $200 Cash Back after spending $500 on purchases within 3 months from account opening. You'll be able to earn 1.5% Cash Back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards. This card comes with no annual fee and no foreign transaction fees which makes this card a viable option for your go-to everyday card. |
Chase Freedom Unlimited $200 Bonus Cash
Take advantage of Chase Freedom Unlimited’s $200 bonus offer, to be eligible you must spend $500 on purchases in your first three months from account opening. Compare this offer with other card bonuses.
The bonus you earn will come in the form of Ultimate Reward points where you can redeem it for cash back or travel.
Here are some ideas to meet the spending requirement:
| • Plastiq: Plastiq allows you to pay for expenses that you generally won’t be able to with your card like rent, tuition, auto lease, mortgage payment, and more. There’s a 2.5% processing fee for using your credit card. However, this’ll be worth the card bonus you’ll get. There’s also a referral program where you can earn “Fee-Free Dollars” to use towards processing fees. See our Plastiq review. |
| • Fund Checking accounts with your card: Many banks will allow you to fund the opening deposit with a credit card. Consider opening Checking accounts that also offer a sign-up bonus. This way, you can work towards bonuses from two different sources. Big banks like Chase, HSBC, Huntington, and TD Bank have great offers and allow credit card funding. You can generally fund anywhere from $50 to $1,000 towards the opening deposit with a credit card, depending on the bank. |
| • Buy gift cards: Consider buying gift cards with your credit card that you can then spend later at your leisure. Individual merchant cards (restaurants, gas stations, supermarkets, etc.) generally don’t have purchase fees, so this is a plus. On the other hand, American Express and Visa gift cards will have purchase fees. Amazon gift cards are a great idea as you can shop for almost anything there with no purchase fees either. Unfortunately, Citi credit cards tend to code gift card purchases as Cash Advances and there’ll be a fee. Call in to customer service and lower your Cash Advance limit to $0 before purchasing gift cards. You can also buy discounted gift cards as well from Raise or find gift cards on eBay. |
| • Everyday spending & bills: Always using your credit card for everyday spending, such as for dining, gas, groceries, etc. You can also use your credit card to pay for things like insurance bills, property taxes and income taxes. However, you’ll have to consider the convenience fees. |
How Much Are Chase Freedom Unlimited Rewards Worth
With the Chase Freedom Unlimited, you’ll earn:
- 5% on travel purchased through Chase,
- 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
- Unlimited 1.5% cash back on all other purchases.
There are no limits or caps to how much you can earn.
No need to keep track of bonus categories with the Chase Freedom Unlimited. This card earns cash back in the form of Chase Ultimate Rewards points. In this program, each point is worth 1 cent apiece. There are no limits or caps to how much you can earn.
How to Redeem Rewards
Redeem your rewards for gift cards, Amazon purchases, travel, and cash back. Points are generally worth 1 cent apiece, and redeeming is very straightforward on the Chase Ultimate Rewards portal.
With Ultimate Rewards points, you have the flexibility to redeem your rewards for:
- Statement credits
- Mailed checks
- Gift cards
- Travel booked through Chase
All redemption options above get you $0.01 per point. This valuation is neither good nor bad. It’s what you would get for your points, on average, across different rewards cards.
Chase Freedom Unlimited rewards are accumulated as points through the Chase Ultimate Rewards program. Points can be redeemed for many options, including gift cards, Amazon purchases, travel, and cash back. Points are generally worth 1 cent per point in this manner.
However, you can earn better redemption value when you transfer your rewards to a Chase Sapphire Preferred Card or the Chase Sapphire Reserve Card.
When you redeem rewards on the Chase Sapphire Preferred Card through Chase’s travel portal, you’ll get 1.25 cents per point. With the Chase Sapphire Reserve, you can get 1.5 cents per point. You can also transfer points at a 1:1 ratio to major loyalty programs. These include United Airlines, Southwest Airlines, and SPG/Marriott. You can potentially get an even higher rewards rate with these loyalty programs.
Earn More Ultimate Rewards Points
Did you know? You can combine Ultimate Rewards points from all Chase products that earn them. The Chase Sapphire℠ Checking account is offering bonus Ultimate Rewards points when you sign up today. Read our Chase Sapphire℠ Checking review.
 The United Club Infinite Card offers 75,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. With this card, you'll earn: • 4X miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. • 2X miles per $1 spent on all other travel • 2X miles per $1 spent on dining at restaurants and eligible delivery services • 1X mile per $1 spent on all other purchases Plus, you'll get 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights when you pay with your Club Card. This card does carry an annual fee of $525. However, you can get up to $100 Global Entry or TSA Precheck Fee Credit. In addition, you'll get a savings of up to $320 per roundtrip (terms apply) by getting your first and second checked bags for free! |
Maximize Value With Chase Freedom Unlimited Card
The Chase Freedom Unlimited is a good card on its own, but it’s even better as a companion to other Chase cards. With more than one Chase card, you could:
- Earn more by splitting your spending between this card and the Chase Freedom Flex Card.
- The Chase Freedom earns 5% cash back in quarterly rotating categories and 1% on everything else. Use the Chase Freedom for purchases in the bonus categories and the Chase Freedom Unlimited on all other spending to boost your overall rewards earnings. Plus, you can transfer rewards from one account to the other and redeem them all at once.
- Get better redemption value by transferring your rewards to the Chase Sapphire Preferred Card, Chase Ink Business Preferred℠ Credit Card, or the Chase Sapphire Reserve Card.
- If you transfer rewards earned on your Chase Freedom Unlimited to either Sapphire-branded card, you get more rewards and better redemption options. When you redeem rewards on the Chase Sapphire Preferred or the Chase Ink Business Preferred℠ through Chase’s travel portal, you’ll get 1.25 cents per point. With the Chase Sapphire Reserve, you can get 1.5 cents per point. You can also transfer points at a 1:1 ratio to major loyalty programs. These include United Airlines, Southwest Airlines, and SPG/Marriott. You can potentially get an even higher rewards rate.
Either way, you’d earn much more than you would if the Chase Freedom Unlimited were your only card.
In addition, the Chase Freedom Unlimited is relatively easy to be approved for. Plus, it can help you build a relationship with Chase if this is going to be your first Chase card so you can get their more valuable cards later. These include the Chase Sapphire Preferred Card or the Chase Sapphire Reserve Card.
Ultimate Rewards Airline/Hotel 1:1 Point Transfer Partners
| Airline Transfer Partners | Hotel Transfer Partners |
| Aer Lingus AerClub | IHG Rewards Club |
| British Airways Executive Club | Marriott Bonvoy |
| Flying Blue AIR FRANCE KLM | World of Hyatt |
| Emirates Skywards | |
| Iberia Plus | |
| JetBlue TrueBlue | |
| Singapore Airlines KrisFlyer | |
| Southwest Airlines Rapid Rewards | |
| United MileagePlus | |
| Virgin Atlantic Flying Club |
Conclusion
Sign up for the Chase Freedom Unlimited today! Also, you’ll receive an attractive cash back with every purchase made anywhere, anytime. Not only that, but you’ll be able to redeem your points for cashback with no minimum. Don’t forget this credit card’s attractive $0 annual fee!
The Freedom Unlimited offers convenience and flexibility all in a well-rounded credit card, making it a very efficient everyday credit card. This could be an excellent addition for Chase cardholders. Make sure you check to see if you’re eligible for this credit card concerning the Chase’s 5/24 policy. Don’t forget to check out our full list of credit card promotions if you’re not interested at the moment.
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What’s the Competition?
* Below are some of the top competitors to Chase Freedom Unlimited Card to consider.
The Capital One Quicksilver Cash Rewards Card offers $200 Cash Back after spending $500 on purchases within 3 months from account opening. You'll be able to earn 1.5% Cash Back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards. This card comes with no annual fee and no foreign transaction fees which makes this card a viable option for your go-to everyday card. |
 The Capital One SavorOne Cash Rewards Credit Card offers $200 cash back after spending $500 on purchases within 3 months from account opening. You'll earn 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. This card comes with no annual fee and no foreign transaction fees. |
Chase Cards To Pair With The Freedom Unlimited
 The Chase Sapphire Preferred Card offers 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards. You'll earn: • 5X points on travel purchased through Chase Ultimate Rewards • 3X points on dining • 3X points on select streaming services and online grocery purchases • 2X points on all other travel purchases • 1X point per $1 spent on all other purchases Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit and when you redeem your points for travel through Chase Ultimate Rewards, you'll get 25% more value! You get unlimited deliveries with a $0 delivery fee & reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21. This card carries a $95 annual fee. |
 The Chase Sapphire Reserve offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit. You'll earn • 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards immediately after the first $300 is spent on travel purchases annually. • 5X total points on air travel • 3X points on other travel and dining • 1 point per $1 spent on all other purchases When redeeming your points for travel through Chase Ultimate Rewards, you'll get 50% more value. This card does carry a $550 annual fee and there are no foreign transaction fees. However, you're able to earn a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year & up to $100 application fee credit for Global Entry or TSA Pre✓®. |
 The Chase Ink Business Preferred Card offers 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®. You'll earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year; 1 point per $1 on all other purchases - with no limit to the amount you can earn. Furthermore, points are worth 25% more when you redeem for travel through Chase Ultimate Rewards. This card does come with a $95 annual fee but does not have any foreign transaction fees. |
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