Chase Freedom Unlimited

This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This site does not include all financial companies or all available financial offers. For additional details, see our Advertiser Disclosure.

Chase Freedom Unlimited
20K points
20K after $500 spend in 3 months
Click Here to Apply

$0 Annual Fee

FM Mini Review: Great to earn 1.5X Ultimate Rewards in categories with no bonuses. Excellent companion card to Sapphire Reserve or Sapphire Preferred!


Card Type: Visa Signature or Platinum

Base

Earning rate: 1.5X on all purchases.

Note: This card is known to be subject to Chase's 5/24 rule.

See also: Transferable points programs

Overview

The no-fee Freedom Unlimited card is a great choice for those who also carry a premium Ultimate Rewards card such as the Sapphire Reserve, Sapphire Preferred, Ink Plus, or Ink Business Preferred.

The Freedom Unlimited card earns 1.5 points per dollar for all spend. By itself, it is simply a 1.5% cash back card. But, when paired with a premium card, the Freedom Unlimited makes it possible to earn 1.5 transferable Ultimate Rewards points per dollar. That means you can earn 1.5 airline miles or hotel points per dollar, for all spend. That's pretty exciting.

The card does charge foreign transaction fees, so leave it at home when traveling internationally. But within the US, the Freedom Unlimited is a great choice for all spend in which you do not earn 2X or more with another card.

Ultimate Rewards points can be redeemed as follows:

  • Cash or merchandise (1 cent per point value)
  • Move points to a premium card (Sapphire Preferred, or Ink Business Preferred, for example) and purchase travel through the Chase Ultimate Rewards travel site (1.25 cents per point value)
  • Move points to the Chase Sapphire Reserve Card and purchase travel through the Chase Ultimate Rewards travel site (1.5 cents per point value)
  • Move points to a premium card and then transfer to a variety of airline and hotel programs (per point value varies from very low to extremely high when points are used this way)

Related Cards

All of the following cards earn Ultimate Rewards points. Those marked with an asterisk are premium cards that allow points to be transferred to select airline and hotel loyalty programs. The others are advertised as cash back cards, but they really earn Ultimate Rewards points. You can move those points to loyalty programs indirectly by moving them first to a premium card and then to an airline or hotel program:

* Premium card. Points can be transferred to select airline and hotel loyalty programs.

Related Posts

Note: Many more excellent credit card offers, along with application tips for each bank, can be found on our Best Credit Card Offers Page.

Rewards

Chase Ultimate Rewards points are super valuable and super flexible. At the most basic level, points can be redeemed for cash or merchandise, but you'll only get one cent per point value that way. A better option is to use points for travel. When points are used to book travel through the Ultimate Rewards portal, points are worth 1.25 cents each with premium cards (Sapphire Preferred or Ink Business Preferred, for example) or 1.5 cents each with the ultra-premium Sapphire Reserve card. Another great option is to transfer points from a premium or ultra-premium card to an airline or hotel program when high value awards are available (see this post for details). If your points are tied to a no-fee "cash back" Ultimate Rewards card, then first move those points to a premium or ultra-premium card before redeeming them in order to get better value.

Application Tips


Chase Application Tips


  • Shut-Down Caution: Signing up for new Chase cards can lead to Chase reviewing your accounts. This may lead to Chase shutting down all of your accounts if you appear to be a credit risk. See this post for details and recommendations: Why Chase shutdowns have increased and how to avoid them.

  • 5/24 Rule: With most Chase cards, you won't get approved if your credit report shows 5 or more cards opened in the past 24 months. Details here.

  • 24/48 Month Rule: With most Chase cards, you can get the same card and bonus again 24 months after having received the bonus as long as you no longer have the card open. With Sapphire cards, you must wait 48 months. No wait is required for Chase Ink cards.

  • 30 Day Rule: It is tough to get approved for more than 2 Chase cards within 30 days

  • Get Same Card Again: You can get the same exact card and again if you first cancel the older card and follow the 24/48 month rule. Ink cards are OK to get again without cancelling previous card if you apply with a new business.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day (not always true when mixing business and personal)


Call (888) 338-2586 to check your application status
If denied, call reconsideration here:1-888-270-2127 for both personal and business cards;
or 800-527-7415 for the Ritz card

Related Cards (Ultimate Rewards)

Chase Ink Business Preferred Card
80K points
80K after $5K spend in 3 months

$95 Annual Fee

Recent better offer: This is the best public offer we've seen. A 100K offer is sometimes available in-branch through a Business Relationship Manager.

Chase Ink Business Unlimited
50K points
50K after $3K spend in 3 months

$0 Annual Fee

Chase Ink Business Cash Credit Card
50K points
50K after $3K spend in 3 months

$0 Annual Fee

Recent better offer: None. This is the best we've seen.

Chase Sapphire Preferred Card
50K points
50K after $4K spend in the first 3 months

No Annual Fee First Year, Then $95

Alternate offer: Some people have been targeted for a 65K offer. See this post for more details.

Chase Sapphire Reserve Card
50K points
50K after $4K spend in 3 months

$450 Annual Fee

Recent better offer: 100K after $4K spend in 3 months, last seen 3/11/2017 in-branch

Chase Freedom Unlimited
20K points
20K after $500 spend in 3 months

$0 Annual Fee

Chase Freedom®
15K points
15K after $500 spend in 3 months

$0 Annual Fee

Last updated on May 7th, 2018

28
Leave a Reply

avatar
26 Comment threads
2 Thread replies
4 Followers
 
Most reacted comment
Hottest comment thread
4 Comment authors
JjjjjjGreg The Frequent MilerDeeTim Kozlow Recent comment authors

This site uses Akismet to reduce spam. Learn how your comment data is processed.

  Subscribe  
Notify of
trackback

[…] recommend pairing this card with the no-fee Chase Freedom Unlimited which earns 1.5X everywhere, and the no-fee Business Ink Cash which earns 5X in select […]

trackback

[…] Chase Freedom Unlimited: Earns 1.5 Ultimate Rewards points per dollar for all spend. Pair with a premium card (e.g. Sapphire Reserve, Sapphire Preferred, Ink Business Preferred, etc.) to transfer points to several airline or hotel programs. […]

trackback

[…] On Saturday morning I published “Freedom Unlimited plan thwarted.”  Since I now have the top-end Sapphire Reserve card, I wanted to downgrade my Sapphire Preferred to Freedom Unlimited.  This way, I could continue to earn 3X travel & dining with my Sapphire Reserve card, 5X office supplies, cable, internet & phone, and 2X gas, with my Ink Plus card, 5X on rotating categories with my two Freedom cards, and 1.5X everywhere else with the Freedom Unlimited card. […]

trackback

[…] is offering Freedom and Freedom Unlimited cardholders 10% cash back on up to $2,500 in hotel and car rental bookings made through the […]

trackback

[…] Chase Freedom Unlimited (No annual fee): 1.5X everywhere. Transfer points to your Sapphire Reserve card for better point redemption value. […]

trackback

[…] Chase Freedom Unlimited: 17.5K points. 15K after $500 spend + 2.5K for adding an authorized user […]

trackback

[…] offer an opportunity to buy miles for 1.22 cents per mile by paying taxes.  Some examples include Chase Freedom Unlimited, Amex EveryDay Preferred (thanks to the 50% bonus for making 30 or more transactions per billing […]

trackback

[…] Chase Freedom Unlimited: 15K after $500 spend in 3 months + 2.5K for adding authorized user […]

trackback

[…] Chase Freedom Unlimited — 17.5K: 15K after $500 spend in 3 months + 2.5K for adding authorized user […]

trackback

[…] links to offer: Chase Sapphire Reserve | Chase Freedom | Chase Freedom Unlimited | Chase Sapphire Preferred (no link, anybody find […]

trackback

[…] a couple of months ago — and it has returned. This offer is good on the Chase Freedom, Freedom Unlimited, and Chase Sapphire Reserve cards based on the landing pages I’ve found. Angelina Travels […]

trackback

[…] Chase Freedom Unlimited: Earns 1.5 Ultimate Rewards points per dollar for all spend. Pair with a premium card (e.g. Sapphire Reserve, Sapphire Preferred, Ink Business Preferred, etc.) to transfer points to several airline or hotel programs. […]

trackback

[…] Remember that these categories apply to the Chase Freedom Card — not to the Freedom Unlimited […]

trackback

[…] better: 1.5 miles per dollar.  But if that rate attracts you, you’ll be better off with the Chase Freedom Unlimited which earns 1.5X on all spend combined with a premium Chase card to make the points transferable to […]

trackback

[…] Chase Freedom Unlimited: 1.5X everywhere (or 3X everywhere first year with the new signup offer) […]

trackback

[…] began the week with a Freedom Unlimited card in my collection of Chase cards. I had previously downgraded to the Freedom Unlimited, so I […]

trackback

[…] was received by a Chase Sapphire Preferred holder, but reddit also has reports of Chase Freedom and Chase Freedom Unlimited holders receiving the […]

trackback

[…] Chase Freedom Unlimited (no annual fee) 1.5X everywhere […]

Tim Kozlow
Guest
Tim Kozlow

I read the 3X is done already? Can you confirm?

Dee
Guest
Dee

Is there a limit on the 3x reward on the Freedom Unlimited for the first year? Is it equivalent to 3%? For instance, if I paid $23,000 estimated taxes and the fee was 1.87%, was that a good transaction?

trackback

[…] Chase Freedom Unlimited or Chase Ink Business Unlimited: Earn 1.5X Ultimate Rewards points for all spend.  Move points to a premium Chase Ultimate Rewards card to make the points more valuable. […]

trackback

[…] additional spend on the World of Hyatt credit card.  Compared to putting that same spend on the Freedom Unlimited or Ink Business Unlimited (both of which earn 1.5 Ultimate Rewards points per dollar), this spend […]

trackback

[…] Rewards points per dollar on all spend, with no need to plan out an exact dollar figure, with the Chase Freedom Unlimited and then transfer those points to Hyatt provided you have a premium Chase card (like the Sapphire […]

Jjjjjj
Guest
Jjjjjj

Chase doesn’t want customers!!!!

trackback

[…] Chase Freedom Unlimited: 1.5X everywhere […]

trackback

[…] through Apple Pay or Google Pay though December 31, 2018 when you pay via those apps with your Chase Freedom Unlimited, Chase Sapphire Preferred, Chase Sapphire Reserve, or Amazon Rewards or Amazon Prime cards. That […]