Chase Freedom Unlimited

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Chase Freedom Unlimited
Up to 17.5K points
17.5K: 15K after $500 spend in 3 months + 2.5K for adding authorized user
Click Here

$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

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.

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Greg The Frequent MilerDeeTim KozlowManufacturing free nights (Hyatt, Hilton, Marriott) - Frequent Miler(EXPIRED) 1,000 Ultimate Rewards points w/ 5 purchases via Apple Pay - Frequent Miler Recent comment authors
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[…] 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 […]

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[…] 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. […]

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[…] 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. […]

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

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

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

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[…] 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 […]

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

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

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

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[…] 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 […]

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[…] 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. […]

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

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[…] 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 […]

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

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

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

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

Tim Kozlow
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Tim Kozlow

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

Dee
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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?