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Chase Freedom Unlimited
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
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
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:
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: