Chase Freedom Unlimited

This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings.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 + 5X grocery + 15 months 0% APR
Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5x Ultimate Rewards points (worth 5% cash back) on grocery purchases for 1st year (on up to $12K in purchases, excludes Target & Walmart). 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Click here to learn how to apply

No Annual Fee

This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.

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

FM Mini Review: Great for 3x categories and 1.5X everywhere else. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.


Card Type: Visa Signature or Platinum

Base
Travel
Dine
Other

Earning rate: 5x travel booked through Chase ⚬ 5X Lyft ⚬ 3x dining ⚬ 3x drugstores ⚬ 1.5X everywhere else

Noteworthy perks: Free DashPass for up to 3 months upon activation

See also: Chase Ultimate Rewards Complete Guide

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 is unique among Chase’s Ultimate Rewards cards in that you’ll earn a minimum of 1.5 points per dollar for all spend while also earning 3 to 5 points per dollar within specific bonus categories. Chase advertises the Freedom Unlimited as a cash back card, but it actually earns Ultimate Rewards points. When paired with a premium card, the points earned with the Freedom Unlimited card become more valuable.  You can freely move your points to a premium card in order to get better than 1 cent per point value for travel.  For example, if you move points to a household member’s Sapphire Reserve card, you can get 1.5 cents per point value.  In that situation, the Freedom Unlimited earns between 2.25% (1.5 cents per point X 1.5 points per dollar) and 7.5% in rewards!  See our Chase Ultimate Rewards Guide for details.

This card does charge foreign transaction fees, so leave it at home when traveling internationally. Within the US, though, the Freedom Unlimited is an excellent choice both for its category bonuses and as an “everywhere else” card which earns a minimum of 1.5 points per dollar.

Chase Freedom Unlimited 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

Should you apply?

In my opinion, the Freedom Unlimited is a good choice in many cases, but it’s especially good if you or a household member has (or plans to get) the Sapphire Reserve card.  Use the Freedom Unlimited to earn 5X for travel booked through Chase, 3X for drugstores and dining, and 1.5X on all other spend.  Move your Freedom Unlimited points to the Sapphire Reserve account to get at least 1.5 cents per point value from all points.  When you earn 1.5X with the Freedom Unlimited and redeem at 1.5 cents value with the Sapphire Reserve, you get a combined 2.25% return on your spend.

Are you eligible?

To apply for the Freedom Unlimited card, you must not currently have the same card (it’s okay to have a different Freedom card), and you must not have received a welcome bonus for the Freedom Unlimited in the past 24 months.

Additionally, to get this card you must be under 5/24.

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.
To determine your 5/24 status, see: 3 Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.

How to apply

You can find the current best welcome bonus offer and application link at the top of this page: Chase Freedom Unlimited.

Application status

After you apply, call (888) 338-2586 to check your application status.

Reconsideration

If your application is denied, I recommend calling for reconsideration (1-888-270-2127). It’s surprising how often denials can be changed to approvals just by asking.

Chase Freedom Unlimited Perks

Travel Protection

  • Auto Rental Coverage: Chase offers secondary auto rental CDW (collision damage waiver) when renting within your country of residence (presumably it is primary for rentals in other countries).
  • Trip Cancellation / Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.

Purchase Protection

Extended Warranty: “Extends the time period of U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.”

Damage and Theft Protection: “Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.”

Chase Freedom Unlimited Earn Points

Welcome Bonus

The welcome bonus for this card is advertised as cash back, but the rewards are actually delivered as Ultimate Rewards points. Here’s the current offer:

Chase Freedom Unlimited
20K points + 5X grocery + 15 months 0% APR
Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5x Ultimate Rewards points (worth 5% cash back) on grocery purchases for 1st year (on up to $12K in purchases, excludes Target & Walmart). 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.

No Annual Fee

This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.

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

Refer Friends

Referring friends is often a good way to earn extra points with Chase products, but referral offers come and go over time.  When referral offers are available, Chase sends emails to eligible cardholders with the offer details.  Cardholders can also look for Chase friend referral offers here.

Bonus Spend

Chase Freedom Unlimited
Base
Travel
Dine
Other
Earning rate: 5x travel booked through Chase ⚬ 5X Lyft ⚬ 3x dining ⚬ 3x drugstores ⚬ 1.5X everywhere else

The Freedom Unlimited card offers surprisingly strong earnings for a fee-free card: 5X travel booked through Chase, 3X dining and drugstore, and 1.5X everywhere else.  At the time of this writing, the Freedom Unlimited and Freedom Flex are the only nationally available credit cards in the United States that I’m aware of which offer a great bonus for drugstore spend.  It’s also unusual for cards with strong bonus categories to earn better than 1X for all other spend, yet that’s what the Freedom Unlimited offers.

Chase Freedom Unlimited Redeem Points

Pay Yourself Back

Chase allows most Sapphire, Freedom, and Ink cardholders to “Pay Yourself Back”.  The basic idea is that you can exchange your Chase Ultimate Rewards points for statement credits against certain categories of purchases.  For example, at the time of this writing, Sapphire Preferred and Sapphire Reserve cardholders can redeem points, at full travel value, to offset restaurant, grocery, food delivery, home improvement store, and select charity purchases.  Ink Business Preferred, Ink Plus, and Freedom cardholders can also directly use this feature, but with much more limited categories.  For most people, your best bet is to move points to a Sapphire Reserve or Preferred card in order to pay yourself back from there.  Here’s the link to use this feature yourself.

It appears that Chase will change the eligible categories every few months.  When using this feature, Sapphire Reserve cardholders get 1.5 cents per point value and all other eligibile cardholders get 1.25 cents per point value.  Plus, cardholders earn points on the same purchases! More details about Chase's Pay Yourself Back feature can be found here.

Cash Back

Cardholders can cash out points for 1 cent each. Cash back can be taken as a statement credit, check, or ACH transfer.

Travel

If you or another household member has a premium or ultra-premium Ultimate Rewards card, it is easy to get better than 1 cent per point value when redeeming points for travel.  The trick is to move the points from your no-fee Ultimate Rewards card to the premium card before using points to buy travel.  Chase allows you to freely move points to another card you own or to a card owned by a household member or business partner.  They call this "combining points" (see: Combine Points Across Cards in our Ultimate Rewards guide).

Redeem points for travel: 1.5 cents per point

This option requires that someone in your household has the ultra-premium Chase Sapphire Reserve card.  First move (combine) points from your no-fee card to the Sapphire Reserve account. Next, log into Chase under the Sapphire Reserve account, and go to the Chase Ultimate Rewards portal to book your travel.  A $500 flight would usually cost 50,000 points if you used points attached to the no-fee card, but with the Chase Sapphire Reserve it would cost only 33,333 points.

Redeem points for travel: 1.25 cents per point

This option requires that someone in your household has a premium Ultimate Rewards card: Chase Sapphire Preferred or Chase Ink Business Preferred.  First move (combine) points from your no-fee card to one of these premium cards. Next, log into Chase under the account that now has the points, and go to the Chase Ultimate Rewards portal to book your travel.  A $500 flight would usually cost 50,000 points if you used points attached to a no-fee Ultimate Rewards card, but with the Chase Sapphire Preferred it would cost only 40,000 points.

Details about booking travel through Chase

You can use the Chase Ultimate Rewards portal to book airfare, hotels, cruises, activities, and car rentals. Airfare purchased through the portal still earns airline miles and elite qualifying miles.  Hotels booked this way do not earn hotel rewards.  Worse, hotels booked through the portal often won't offer you elite benefits even if you have status. Unfortunately, Chase switched to an Expedia-backed portal and removed some ultra low cost carriers. For example, you can no longer book Spirit Airlines or Southwest through Chase Ultimate Rewards.  There is a work-around for some carriers though.  Please see this post for details: How to book the cheapest flights with Chase Ultimate Rewards.

Travel protections apply

When you pay with points for travel, Chase's automatic travel protections do apply.  So, you can be covered for things like car rentals, trip delays, trip cancellation & interruption, lost luggage, etc.  The coverage you receive will be based on which card's rewards were used to book the trip. For example, if you have both a Chase Sapphire Preferred and a Sapphire Reserve, you would want to move your Ultimate Rewards points from the Preferred to the Reserve and then use the Reserve points to book your trip. You will get both better value (1.5 cents per point) and better travel protections.  See: Sapphire Reserve Travel Insurance.

Transfer points

The best use of Ultimate Rewards points, in my opinion, is to transfer points to airline and hotel partners in order to book high value awards.  Your best bet is usually to wait until you find a great flight or night award before transferring points. Points transfer at a ratio of 1:1 as shown in the list of transfer partners below. Keep in mind that while transfers are instantly posted to most loyalty programs, transfers to Singapore Krisflyer and Marriott Bonvoy are not instant.

Move points to premium or ultra-premium card first

You cannot transfer points directly from a no-fee Chase Ultimate Rewards card to airline and hotel partners, but you can move points first to a premium card (Sapphire Preferred or Ink Business Preferred, for example) or ultra-premium card (Sapphire Reserve) and then transfer the points to airline or hotel partners.  Points can be transferred to the loyalty accounts of the primary cardholder or any authorized user on the account. Points can also be transferred to the loyalty account of a joint business owner, but they do need to be an authorized user on the associated business account.

Transfer Partners

Rewards ProgramBest Uses
Air France KLM Flying BlueMonthly Air France Promo Awards often represent very good value. Air France miles can be used to book Sky Team awards, including Delta awards.
AviosWhile flights on British Airways itself often incur outrageously high fuel surcharges, many BA partners charge low or no fuel surcharges. Great value can be had in redeeming BA points for short distance flights. Iberia offers very low award prices on their own flights. Round trip partner awards can offer good value under some circumstances as well. Fuel surcharges are often lower than when booking through British Airways. Aer Lingus shares the "Avios" currency with British Airways and Iberia. In most cases it is best to move points to one of those programs in order to book awards for less.
Emirates SkywardsEmirates has different award charts for each airline partner. Sometimes they allow one-way awards, sometimes they do not. In general, award prices are fairly high, but there are a few sweet spots such as New York to Milan for 90K round trip in business class.
HyattUse for Hyatt free nights or points + cash nights. Hyatt points are often worth at least 1.7 cents each towards free nights, but they’re sometimes worth far more. One hidden bonus: award nights are not subject to resort fees.
IHG
JetBlueJetBlue points offer the most value when cheap ticket prices are available and when award taxes are high relative to the overall cost of the ticket (more details can be found here). The JetBlue Plus Card and the JetBlue Business Card offer a 10% rebate on awards, so you can get more value by holding one of these cards.
Marriott Bonvoy5th Night Free awards
Singapore Airlines KrisFlyerUse to book Singapore Airlines First Class awards (generally reserved for their own members) or for Star Alliance awards. Low change fees and no close-in booking fees make this a very good program for booking United Airlines flights.
Southwest Rapid RewardsAward flights are fully refundable. Point values vary due to certain taxes not being charged on awards, but tend to average around 1.5 cents per point.
United MileagePlusEven though Singapore Airlines miles have a number of advantages over United miles for booking Star Alliance flights, United has advantages too. For one, it is possible to book most Star Alliance awards online at United.com. Additionally, United awards sometimes cost fewer miles with United than with Singapore (especially premium awards on United’s own flights). And, most importantly, United never charges fuel surcharges for awards. In some cases, United is far cheaper than Singapore Airlines for this reason alone.
Virgin Atlantic Flying ClubVirgin Atlantic miles can be usefully thought of as a way to get a discount off Virgin Atlantic flights (high fuel surcharges make the flights far from free), but there are some better uses. Use miles to upgrade paid flights or to fly partner airlines. A fantastic use is to fly ANA in business or first class thanks to Virgin’s generous ANA partner award chart. Or, if you can find saver level Delta awards for nonstop international travel, you can often book through Virgin Atlantic far cheaper than with Delta directly. Virgin Atlantic also offers great award prices for Air France premium economy awards.

Other ways to redeem points

Through the Ultimate Rewards portal you can redeem points for cash back, gift cards, merchandise, or experiences.  With this approach you'll usually get 1 cent per point value.  One exception is that Chase occasionally offers gift cards at a discount so you may be able to get better than 1 cent per point value during a gift card sale.
You can also use points to pay some merchants directly (Amazon.com, for example or via Chase Pay).  Don't do this.  These options offer very poor value. Further, they may compromise the security of your account (i.e. if someone hacks into your Amazon account, they might spend your Ultimate Rewards points - causing you a headache in getting your points reinstated).

Chase Freedom Unlimited Manage Points

Combine Points Across Cards

If you are the primary account holder with multiple cards, you can freely combine Ultimate Rewards back and forth between your accounts.  Your points can then be redeemed according to the card to which you move them.  For example, if you have the no-fee Ink Business Cash card and the ultra-premium Sapphire Reserve card, you can earn 5X points per dollar on office supply purchases (or on gift cards purchased at office supply stores) with the Ink Card and then move those points to your Sapphire Reserve account to redeem them for 1.5 cents per point towards travel.
If you intend to cancel a Chase Ultimate Rewards card, you should first combine your points with a card you intend to keep active. Once you cancel, you will forfeit any unused points in that account (See: My 90,000 Ultimate Rewards Points mistake). A product change should not affect your balance, but some people prefer moving points before a product change as well just to be safe.

Share Points Across Cardholders

Chase allows customers to transfer Ultimate Rewards points to any other account in that customer's name or to one additional household member or joint business owner (for free).
share Chase Ultimate Rewards with friends Why this is valuable:
  • You earn points with the card offering the best return on purchases and then use points with the card offering the best redemption rate.
  • Only one member of your household needs to maintain a premium card for transferring to partners or booking travel (though note that the primary cardholder can only transfer points to partner loyalty programs in the name of the primary cardholder or authorized users).

Transfer difficulties? Create a loop

If you have trouble transferring between accounts, some users have been able to combine points between their own accounts — like from Bob’s Ink Business Cash to Bob’s Sapphire Reserve — via secure message.
However, you may run into an issue if you try to connect more than one of your cards to a single card that belongs to someone else. Chase allows you to combine/transfer to someone else who lives in your household (or a co-owner of your business for business cards), but I’ve had complications with this from time to time.
For example, let’s say that Joe and Suzy live in the same household and are joint owners of a business and have the following accounts:

Joe first combines points from his Freedom Unlimited to Suzy’s Sapphire Reserve. Later, he logs into his Ink Business Cash account and tries to combine points with Suzy’s Sapphire Reserve. Joe may run into an error adding Suzy’s Sapphire Reserve card to combine points. This has happened in our household several times. In that case, Joe should log into his Freedom Unlimited account and remove Suzy as a household member (click “remove saved card). About 24 hours later, he should be able to add Suzy to his Ink Business Cash in order to combine his points to her account.
The easy solution I’ve found is to create a loop. In the example scenario they should transfer like this:
Joe’s Freedom Unlimited —> Joe’s Ink Business Cash —> Suzy’s Sapphire Reserve —> Joe’s Freedom Unlimited
Creating a loop chain has solved that problem in my household. As noted, it took 24 hours after removing accounts to re-add them to other cards, so be aware of that limitation.

How to Keep Points Alive

Thankfully, it is very easy to keep Chase Ultimate Rewards points alive: simply keep the points in an open Ultimate Rewards account and they will not expire. Note that if you close an Ultimate Rewards card, you will lose any points associated with that card. You should first combine points to move points away from the card you intend to close and to another card that will remain open as per the sharing section above before canceling. See: My 90,000 point Ultimate Rewards mistake. See also: A checklist for cancelling credit cards.

Chase Freedom Unlimited Lifecycle

How to meet minimum spend requirements

Once you are approved for a Chase card, you have three months to meet the required spend in order to get the signup bonus. If your usual spend isn’t enough, consider using the Plastiq bill pay service to use your card to pay bills that can’t usually be paid by credit card (rent, mortgage, contractors, etc.). Click here to find many more options for increasing credit card spend.

Keep, cancel, or product change?

Is this card worth keeping in the long run? Yep. With no annual fee and strong earning power, why not? If you decide to cancel anyway, make sure to first redeem any remaining points or move them to another Ultimate Rewards card.

Related Cards

Ultimate Rewards Consumer Cards

Chase Freedom Flex
20K points + 5X grocery + 15 months 0% APR
Earn 20,000 points (worth $200 cash back) after $500 spend in 3 months + 5x Ultimate Rewards points (worth 5% cash back) on grocery purchases for 1st year (on up to $12K in purchases, excludes Target & Walmart). 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.

No Annual Fee

This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.

FM Mini Review: Great for 5X and 3x categories and World Mastercard benefits. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.


Card Type: Mastercard World

Base
Travel
Dine
Shop
Other

Earning rate: 5x travel booked through Chase ⚬ 5X Lyft ⚬ 3x dining ⚬ 3x drugstores ⚬ 5X in rotating categories on up to $1,500 spend per quarter. Q4 2020: 5X Walmart & Paypal

Noteworthy perks: Free DashPass for up to 3 months upon activation ⚬ Cell phone protection ⚬ Lyft credits

See also: Chase Ultimate Rewards Complete Guide

Chase Freedom Unlimited
20K points + 5X grocery + 15 months 0% APR
Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5x Ultimate Rewards points (worth 5% cash back) on grocery purchases for 1st year (on up to $12K in purchases, excludes Target & Walmart). 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.

No Annual Fee

This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.

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

FM Mini Review: Great for 3x categories and 1.5X everywhere else. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.


Card Type: Visa Signature or Platinum

Base
Travel
Dine
Other

Earning rate: 5x travel booked through Chase ⚬ 5X Lyft ⚬ 3x dining ⚬ 3x drugstores ⚬ 1.5X everywhere else

Noteworthy perks: Free DashPass for up to 3 months upon activation

See also: Chase Ultimate Rewards Complete Guide

Chase Sapphire Preferred Card
80K Points
80K after $4K spend in the first 3 months

$95 Annual Fee

This card is subject to Chase's 5/24 rule (click here for details).

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

FM Mini Review: Great signup bonus. Solid option to pair with fee-free Ultimate Rewards cards such as the Freedom cards, Ink Business Cash, and Ink Business Unlimited in order to unlock ability to transfer points to airline and hotel partners.


Card Type: Visa Signature

Base
Travel
Dine
Other

Earning rate: 2X Travel and Dining ⚬ 5X Lyft (through March 2022)

Noteworthy perks: Primary auto rental collision damage waiver ⚬ Free DashPass for at least 1 year (activate by 12/31/21)

See also: Chase Ultimate Rewards Complete Guide

Chase Sapphire Reserve Card

FM Mini Review: Excellent all-around card for frequent traveler. Best when paired with no-fee Chase Freedom Flex, no-fee Freedom Unlimited & no-fee Chase Ink Cash


Card Type: Visa Infinite

Base
Travel
Dine
Other

Earning rate: 3X Travel and Dining ⚬ 10X Lyft (through March 2022)

Noteworthy perks: $300 Annual Travel Credit ⚬ Points worth 1.5 cents each towards travel ⚬ Primary auto rental collision damage waiver ⚬ Priority Pass Select lounge access ⚬ $100 Global Entry fee credit ⚬ $60 annual DoorDash credit in 2020 & 2021 ⚬ Free DashPass for at least 1 year (activate by 12/31/21) ⚬ One year Lyft Pink membership ⚬ Earn 10X on Lyft spend

See also: Chase Ultimate Rewards Complete Guide

Ultimate Rewards Business Cards

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

No Annual Fee

See: How to sign up for Chase Ink cards

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

FM Mini Review: This one should be in everyone's wallet. Incredible signup bonus for a no-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.


Card Type: Visa Signature Business

Base
Dine
Gas
Phone
Office
Other

Earning rate: 5X office supplies ⚬ 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ⚬ 2X gas and restaurants ⚬ 5X Lyft

See also: Chase Ultimate Rewards Complete Guide

Chase Ink Business Preferred Card
100K points
100K after $15K spend in 3 months

$95 Annual Fee

See: How to sign up for Chase Ink cards

Recent better offer: 80K after $5K spend. Many preferred the 80K offer due to the much lower spend requirement

FM Mini Review: Great card for signup bonus and 3X categories. Also consider the fee-free Ink Business Cash for its 5X categories, and the fee-free Ink Business Unlimited to earn 1.5X everywhere.


Card Type: Visa Signature Business

Base
Travel
Phone
Biz
Other

Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ⚬ 5X Lyft

Noteworthy perks: ⚬ Points worth 25% more when redeemed for travel ⚬ Cell phone protection against theft or damage

See also: Chase Ultimate Rewards Complete Guide

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

No Annual Fee

FM Mini Review: Great signup bonus for a fee-free card. Good option for earning 1.5X everywhere. Good companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred.


Card Type: Visa Signature Business

Base
Other

Earning rate: 1.5X on all purchases ⚬ 5X Lyft

See also: Chase Ultimate Rewards Complete Guide

Subscribe
Notify of
guest

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

42 Comments
oldest
newest most voted
Inline Feedbacks
View all comments