The information regarding the Chase Freedom Unlimited® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The Chase Freedom Unlimited® card is easily one of the best cash back credit cards on the market! In fact, when paired with other cards in the Ultimate Rewards family, this cash-back card can become one of the most lucrative cards in your wallet.
- No annual fee
- 5% on travel purchased through Chase Ultimate Rewards
- 3% on dining and drugstores
- 1.5% cash back on all other purchases
- Ability to pool points
- 3% foreign transaction fees
Freedom Unlimited Card — Snapshot
- Welcome Bonus & Info (Partner Content)
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 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 unlimited 1.5% cash back on all other purchases.
- Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
- No annual fee.
- 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 – 23.74%.
- No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
- Card Categories:
- Rewards Center
- Customer Service Number1-800-935-9935
- Login Link
The Ideal Cardholder
The Freedom Unlimited card is perfect for 2 groups of people. If you’re looking for a no-fuss cash back card or a great secondary card to pair with a premium Ultimate Reward earning card like the Chase Sapphire Preferred® card or Chase Sapphire Reserve® card.
The Freedom Unlimited card can benefit cardholders by earning 5% back on travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstores, and 1.5% back on all other purchases. When you pair these points with a premium Chase credit card, they can be used for massive travel value for flights and hotels.
Great Card If
- You want a card that earns flexible rewards
- You want a card with multiple bonus categories
- You want a card with no annual fee
Don't Get If
- You want a card that earns travel rewards, benefits, and perks
Freedom Unlimited Card — Fees
- Annual Fee
- Foreign Transaction Fees3% of each transaction in U.S. dollars.
- Interest Rates
- 0% Intro APR on Purchases for 15 months
- Ongoing APR: 14.99 - 23.74% Variable
- Cash Advance APR
- 26.49% Variable
- Fee: Either $10 or 5% of the amount of each transaction, whichever is greater.
How To Earn More Chase Points
The best way to maximize your point earnings with the card is to use it for all your purchases. Since the Freedom Unlimited card does not have any bonus categories and instead earns an uncapped 1.5% back on every purchase you make, the best way to earn more points is to use your card as often as you can.
Chase Travel Portal
Booking travel through the Chase Travel portal earns you 5% back on the purchase. This includes flights, hotels, but also rental cars, cruises, vacation packages, and any other travel experiences offered through the portal.
Dining and Drugstore Purchases
Using your Freedom Unlimited card to pay for dining and drugstore purchases earns 3% back for every $1 that you spend. Dining purchases even include take out or eligible delivery services like Uber Eats or Door Dash.
Chase Shopping Portal
One huge advantage of being a Chase cardholder is having access to the Chase shopping portal. Chase has partnered with several brands like Banana Republic, Macy’s, or Samsung to offer anywhere from an extra 2x-20x points per $1 spent.
Adding Additional Ultimate Rewards-Earning Cards
Since the Freedom Unlimited is a cash-back card, the ways in which you can use your rewards points can be limited. However, by combining your Freedom Unlimited with a premium Ultimate Rewards-earning card, you can unlock huge value for your points. This method can make for a very powerful points-earning combo.
Take the Chase Sapphire Reserve, for example. This card earns 3x Ultimate Rewards points per $1 spent on all travel and dining purchases. With this 2-card combo, here’s an example of how you could allocate all your business spending to maximize your rewards:
- Use the Chase Sapphire Reserve for all of your travel and dining purchases, while utilizing its premium travel benefits and protections.
- Use the Freedom Unlimited card to earn 1.5x Ultimate Rewards points for all purchases falling outside of travel and dining. Then pool those points together with the ones earned from your Chase Sapphire Reserve for huge travel savings!
Interested in learning more about Chase’s Ultimate Rewards cards that will allow you to pool your points for huge value? Our favorites include the Chase Sapphire Reserve, the Chase Sapphire Preferred, and the Ink Business Preferred℠ Credit Card.
How To Use Chase Points For Max Value
Once your point-earning has been optimized to ensure you’re always earning the max points possible for each purchase, the next step is to learn how to receive the most value for those points! So which redemption methods are best?
Since the Freedom Unlimited card is technically a cash-back card, the main redemption is obviously in the form of cash-back.
You can receive your cash-back via a statement credit to offset purchases you’ve made, or get a deposit straight into the bank account you have linked with your account. Either way, you will receive a value of 1 cent per point, making 30,000 points worth $300.
Redeeming for Gift Cards
Another option is to redeem your points for gift cards from over 150 different merchants. Chase will give you 1 cent toward the card of your choice for each point you have — so a $25 gift card to Amazon would cost 2,500 points.
If this is a method you would consider, you should really just opt for cash-back instead. Often times you can receive cash-back at an equal or better rate than a gift card and you won’t be tied to using it at a specific merchant.
Shop With Points on Apple and Amazon
If your card is linked to your Apple and/or Amazon account, Chase will give you the option to use your points toward purchases you make with either retailer. Again, your points are worth a fixed 1 cent per point with this method.
Chase Experience Portal
Chase cardholders can even use their points to book one-of-a-kind experiences through the Chase Experiences Portal, like VIP access to sporting events or a night of fine dining.
While these experiences are only available to Chase cardholders, it is generally better just book them with cash, since using your points will only earn you 1 cent per point in value.
Redeeming Points Through the Chase Ultimate Rewards Travel Portal
If you head to the Ultimate Rewards Travel Portal, you’ll find that you can also use your points to offset travel purchases like airfare or hotel stays.
Your points will be valued at 1 cent per point toward such purchases, and you can enjoy perks like no blackout dates.
Pair With Other Ultimate Rewards Cards to Transfer to Airline and Hotel Partners
If you hold an Ultimate Rewards-earning card like the Chase Sapphire Preferred or the Chase Sapphire Reserve, you can transfer the points earned from your Freedom Unlimited to unlock huge value.
Chase Ultimate Rewards points are incredibly valuable because of their ability to be transferred to select airline and hotel partners. This opens up a wealth of different options for your points in terms of the experiences that can be booked with them.
If you’re strategic about how you use your Ultimate Rewards points, you can book first/business class flights or 5-star hotel stays for just pennies on the dollar.
If you only have the Freedom Unlimited card, you won’t have access to Chase’s airline and hotel transfer partners.
However, if you also have a Chase Ultimate Rewards credit card that carries an annual fee (for example, the Ink Business Preferred or Chase Sapphire Preferred) you will have access to their travel partners. This is achieved by transferring your points earned by the Freedom Unlimited card to your premium Chase card award balance.
Chase Airline Transfer Partners
|Chase Airline Transfer Partner||Min Transfer||Transfer Ratio|
(Chase > Airline)
|Aer Lingus AerClub||1,000||1:1||Almost Instant|
|Air Canada Aeroplan||1,000||1:1||Almost Instant|
|British Airways Executive Club||1,000||1:1||Almost Instant|
|Flying Blue AIR FRANCE KLM||1,000||1:1||1 hour|
|Emirates Skywards||1,000||1:1||Almost instant|
|Iberia Plus||1,000||1:1||Almost Instant|
|Singapore Airlines KrisFlyer||1,000||1:1||1-2 days|
|Southwest Airlines Rapid Rewards||1,000||1:1||Almost Instant|
|United Airlines MileagePlus||1,000||1:1||Almost Instant|
|Virgin Atlantic Flying Club||1,000||1:1||Almost Instant|
Chase Hotel Transfer Partners
|Chase Hotel Transfer Partner||Min Transfer||Transfer Ratio||Transfer Time|
|World of Hyatt||1,000||1:1||Almost Instant|
|IHG Rewards Club||1,000||1:1||1 day|
|Marriott Rewards||1,000||1:1||2 days|
Alternatives to the Freedom Unlimited Card
If it is a standard cash-back card you’re after, the Double Cash card could be a great fit for you. The Double Cash card lets you earn 2% cash-back, 1% when you buy, and an additional 1% as you pay for those purchases, all for no annual fee.
If you’re looking for a cash-back card that offers bonus categories for what you spend the most on, consider a card like the CapOne Savor card. The CapOne Savor card earns unlimited 4% cash-back on dining and entertainment, 2% at grocery stores, and 1% on all other purchases.
We’ve also compared The Blue Cash Everyday Card vs the Chase Freedom Unlimited Card as there are some differences when it comes to redeeming rewards.
Frequently asked questions
Is the Freedom Unlimited card a good credit card?
The Freedom Unlimited card could be perfect for your situation if you’re looking for a strong cash-back card and anyone who will utilize the other Chase cards to optimize their rewards points.
Is the Freedom Unlimited card a cash-back card?
Yes, technically the card is marketed as a cash-back card. You will earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, and drugstore purchases, plus 1.5% cash-back rewards on all other purchases, which is usable as a statement credit.
However, in practice, it works as a points card. The cash-back accumulates in Chase Ultimate Rewards as points. From there, you can spend the rewards points in the online shopping portals to earn rewards or transfer them to another Chase card account.
Does the Chase 5/24 rule apply to the Freedom Unlimited card?
Yes, the Freedom Unlimited card is subject to the Chase 5/24 rule. So if you have opened 5 or more new accounts in the last 24 months you will not be eligible for the card.
Does the Freedom Unlimited card have an annual fee?
No, the Freedom Unlimited card does not charge an annual fee.