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The Chase Freedom Unlimited card is unique among Chase’s Ultimate Rewards cards in that you earn a minimum of 1.5x for all spend while also earning 3x-5x within bonus categories, including dining and drugstores. The card has no annual fee and earns Chase Ultimate Rewards, which can be very powerful when paired with the right cards. Let’s take a deeper look.
Chase Freedom Unlimited Current Welcome Offer
| Card Offer |
|---|
Up to 30K points / $300 cash back ⓘ Affiliate Earn an additional 1.5% on all purchases (up to $20K spent in the first year) - worth up to $300 cash back.No Annual Fee This card is likely subject to Chase's 5/24 rule (click here for details). Recent better offer: Unlimited Double Cash Back for 12 month (expired 1/11/24) |
Chase Freedom Unlimited Review
Outside of getting it for an enticing welcome offer, the Chase Freedom Unlimited can be a pretty attractive card…within the right context. There’s better cashback cards out there, but if the Freedom Unlimited is paired with a premium card that unlocks the ability to transfer to partners (either the Ink Business Preferred, Sapphire Preferred or Sapphire Reserve), the points that it earns become significantly more valuable. In that context, we value Ultimate Rewards at 1.5 cents each, so the Freedom Unlimited effectively brings in between 2.25% (1.5 cents per point X 1.5 points per dollar) and 7.5% in rewards. Pretty good for a card with no annual fee.
- Annual Fee: None
- Authorized User Annual Fee: Free
- Foreign Transaction Fee: 3%
- What points are worth: The Freedom Unlimited card is advertised as a cashback card, but it actually earns Chase Ultimate Rewards. Our current Reasonable Redemption Values pegs their value at 1.5 cents each. Note that this assumes the cardholder also has a premium card that unlocks the ability to transfer to partners (either the Ink Business Preferred, Sapphire Preferred or Sapphire Reserve). Without one of those cards, points are only worth 1 cent each towards cashback, which can be taken as a statement credit, via check or ACH transfer.
- Best Use for Points: When combined with a premium card, Chase Ultimate Rewards can be transferred to travel partners at a 1:1 ratio and this will usually yield the most value. Our favorite hotel transfer partner is undoubtedly Hyatt, where redemptions can often exceed 2-3 cents per point. Airline partners are good, if not great, and include Air Canada Aeroplan, Air France/KLM Flying Blue and British Airways Avios, as well as domestic programs like United Mileage Plus, Southwest Rapid Rewards and JetBlue. Freedom Unlimited cardholders can redeem Ultimate Rewards for travel through the Chase Portal at a value of 1 cent each. Those who also have an Ink Business Preferred or Sapphire Preferred in the family can combine points with those cards and redeem them for travel through the Chase Portal at 1.25 cents each. Sapphire Reserve cardholders can do the same thing and redeem points at 1.5 cents each through the portal.
- Earning Categories:
- 5X on travel booked through Chase Travel
- 5x on Lyft rides (through March 2025)
- 3x at restaurants and drugstores
- 1.5x everywhere else
- Credits:
- $10 monthly credit for non-restaurant DoorDash orders
- Free DashPass for up to 3 months upon activation
- Travel Protections:
- Auto Rental Coverage: Secondary auto rental CDW (collision damage waiver). Provides reimbursement for theft and collision damage for rental cars in the U.S. and abroad. Within the US, the card’s coverage is secondary to your personal insurance (assuming you have it). Outside of the US, it’s primary.
- Trip Cancellation/Interruption Insurance: 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 Protections:
- Extended Warranty: One additional year, on eligible warranties of three years or less (US warranties only).
- Damage and Theft Protection: Covers new purchases for 120 days against damage or theft up to $500 per claim/$50,000 per account.
- Who’s this card for? Those who also carry a premium Ultimate Rewards card such as the Sapphire Reserve, Sapphire Preferred or Ink Business Preferred. Folks looking for a straight cashback card can do better.
- Is the Freedom Unlimited a keeper? Yes, but not without a premium Ultimate Rewards card.
Chase Freedom Unlimited Pros and Cons
Pros
- Earns 1.5x Ultimate Rewards everywhere
- Great 3x categories for a card with no annual fee
- Good transfer partners, especially for folks looking for domestic airline and hotel programs
- Miles can be shared across cards and cardholders
- Unusually for a fee-free card, provides travel and purchase protections
Cons
- 3% foreign transaction fee
- Must be paired with a “premium” card in order to transfer to partners
- Not the most exciting group of airline partners
Chase Transfer Partners
| Rewards Program | Chase Transfer Ratio | Best Uses |
|---|---|---|
| Aer Lingus Avios | 1 to 1 | Fuel surcharges are sometimes lower when booking with Aer Lingus rather than British Airways, Qatar, or Iberia. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| Air Canada Aeroplan | 1 to 1 | Redeem for Star Alliance flights and/or flights with Air Canada partners (such as Etihad). No fuel surcharges; $39 CAD award booking fee; 5,000 points to add stopover on one-way award. See: Air Canada Aeroplan: Everything you need to know. |
| Air France KLM Flying Blue | 1 to 1 | Monthly Air France Promo Awards often represent very good value. Air France miles can be used to book Sky Team awards, including Delta awards. Air France often offers very good business class award pricing between the US and Europe & Israel. |
| British Airways Avios | 1 to 1 | While flights on British Airways itself often incur outrageously high fuel surcharges, many BA partners charge low or no fuel surcharges. Excellent value can often be had in redeeming BA points for short distance flights outside the US. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| Emirates Skywards | 1 to 1 | The best use of Emirates miles has been to fly Emirates itself. Unfortunately fuel surcharges can be extremely steep. One workaround is to book select routes such as JFK to Milan or Newark to Athens. See: How to find and book Emirates first class awards. |
| Finnair Plus+ | 1 to 1 via BA | Finnair points are now "Avios" and points can be moved to/from other Avios programs. Finnair uses zone based award charts rather than distance based. As a result, Finnair sometimes has better (and sometimes worse) pricing than other Avios programs. |
| Hyatt | 1 to 1 | Use for Hyatt free nights, free suite nights, lounge upgrades, or suite upgrades. Hyatt points are often worth more than 2 cents each. Bonus: award nights are not subject to resort fees. |
| Iberia Avios | 1 to 1 | On their own flights, Iberia offers low award prices and a very reasonable 25 Euro cancellation fee. Partner awards can offer good value under some circumstances as well, but these are usually nonrefundable. Fuel surcharges are sometimes lower when booking with Iberia rather than British Airways, Aer Lingus, or Qatar. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| IHG | 1 to 1 | IHG dynamically prices their awards and sometimes offer very good value. IHG Premier and IHG Premier Business cards offer the fourth night free on award stays. |
| JetBlue | 1 to 1 | JetBlue 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 Bonvoy | 1 to 1 | 5th Night Free awards. Opportunities to get outsized value exist but can be hard to find. |
| Qatar Privilege Club Avios | 1 to 1 via BA | Qatar has reasonable award prices for flying Qatar itself. Points are now transferable 1 to 1 to British Airways (and from there to Aer Lingus or Iberia). It is now also possible to book JetBlue flights with Qatar Avios. |
| Singapore Airlines KrisFlyer | 1 to 1 | Use to book Singapore Airlines First Class awards (generally reserved for their own members), Alaska Airlines economy awards, or for Star Alliance awards (including United Airlines). |
| Southwest Rapid Rewards | 1 to 1 | Award 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 MileagePlus | 1 to 1 | United offers free award changes and free cancelations. Like Avianca and Aeroplan, United never charges fuel surcharges for awards. Unfortunately, United charges many more miles for international first class awards. Good uses of miles include United's Excursionist Perk awards and (sometimes) dynamically priced United economy awards. |
| Virgin Atlantic Flying Club | 1 to 1 | Virgin Atlantic offers a few excellent sweet spot awards. See: Best uses for Virgin Atlantic points (Sweet Spot Spotlight). |
Related Cards
Ultimate Rewards Consumer Cards
| Card Offer and Details |
|---|
20K points ⓘ Non-Affiliate Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 monthNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. 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. Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 5X in rotating categories on up to $1,500 spend per quarter (Q4 2024: McDonalds, PayPal, Pet Stores & Selectr Charities) Card Info: Mastercard World issued by Chase. This card imposes foreign transaction fees. Noteworthy perks: Free DashPass for up to 3 months upon activation ✦ Cell phone protection ✦ Lyft credits ✦ $10 monthly credit for non-restaurant DoorDash orders See also: Chase Ultimate Rewards Complete Guide |
Up to 30K points / $300 cash back ⓘ Affiliate Earn an additional 1.5% on all purchases (up to $20K spent in the first year) - worth up to $300 cash back.No Annual Fee This card is likely subject to Chase's 5/24 rule (click here for details). Recent better offer: Unlimited Double Cash Back for 12 month (expired 1/11/24) FM Mini Review: Great for 3x categories and 1.5X everywhere else. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card review Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 1.5X everywhere else Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees. Noteworthy perks: Free DashPass for up to 3 months upon activation ✦ $10 monthly credit for non-restaurant DoorDash orders See also: Chase Ultimate Rewards Complete Guide |
None This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Great for 5X categories. Good companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Earning rate: 5X Lyft through March 2025; 5X in rotating categories on up to $1,500 spend per quarter (Q4 2024: McDonalds, PayPal, Pet Stores & Selectr Charities). Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees. Noteworthy perks: Free DashPass for up to 3 months upon activation ✦ $10 quarterly Instacart credit ✦ 3 months free Instacart+ See also: Chase Ultimate Rewards Complete Guide |
60K Points ⓘ Affiliate 60K after $4K spend in 3 months$95 Annual Fee Alternate Offer: There may be elevated offers available by applying in-branch A similar offer with the first year annual fee waived may be found in-branch. YMMV. Recent better offer: 60K points + $300 travel credit (Expired 11/14/24) FM Mini Review: Great signup bonus. Unlocks ability to transfer points to hotel & airline partners. Solid option to pair with fee-free Ultimate Rewards cards such as the Freedom cards, Ink Business Cash, and Ink Business Unlimited. Earning rate: 5X Travel booked through Chase Travel℠ (2X all other travel) ✦ 3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 5X Lyft (through March 2025) ✦ 10% annual point bonus Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: Primary auto rental collision damage waiver ✦ $10 monthly credit for non-restaurant DoorDash orders ✦ Free DashPass through 2027 ✦ Transfer points to airline & hotel partners ✦ $50 back for hotel stays booked through Chase per cardmember year in the form of a statement credit |
60K Points ⓘ Affiliate 60K after $4K spend in 3 months$550 Annual Fee Alternate Offer: 70K after $4K spend showing on some accounts when logged-in to Chase Recent better offer: Expired 12/1/22: 80K after $4K spend 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 Click here for our complete card review Earning rate: 10X hotels & car rentals booked through Chase Travel℠ ✦ 10X Chase Dining ✦ 5X flights booked through Chase ✦ 3X Travel and Dining ✦ 10X Lyft (through March 2025) Card Info: Visa Infinite issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: $300 Annual Travel Credit ✦ Points worth 1.5 cents each towards travel when booked through the Chase Travel(SM) Portal✦ Transfer points to airline & hotel partners ✦ Primary auto rental collision damage waiver ✦ Priority Pass Select lounge access ✦ Access Sapphire Lounges for yourself and 2 guests for free ✦ Access select Air Canada Maple Leaf lounges when flying Star Alliance ✦ Up to $120 Global Entry fee credit ✦ Free DashPass through 2027 See also: Chase Ultimate Rewards Complete Guide |
Ultimate Rewards Business Cards
| Card Offer and Details |
|---|
None This card is no longer available$0 introductory annual fee for the first year, then $95 Earning rate: ✦ 5X office supplies, 5X cellular/landline/cable ✦ 2X gas and hotels ✦ 5X Lyft through March 2025 Card Info: Visa Signature Business issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: ✦ Points worth 25% more when redeemed for travel ✦ Transfer points to airline & hotel partners See also: Chase Ultimate Rewards Complete Guide |
Up to 75K points ⓘ Affiliate 35K after $3K spend in 3 months and an additional 40K points after $6K spend in 6 months. No Annual Fee Alternate Offer: If you have a household member with an Ink card, you may prefer the referral offer whereby the referrer can earn 40,000 points and the new account holder can earn 75,000 points after $6,000 in purchases in the first 3 months since it will yield more total points. Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24 FM Mini Review: This one should be in everyone's wallet. Incredible welcome bonus for a no-annual-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card review Earning rate: 5X office supplies and cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ✦ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ✦ 5X Lyft through March 2025 Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees. See also: Chase Ultimate Rewards Complete Guide |
90K points ⓘ Affiliate 90K after $8K spend in 3 months$95 Annual Fee Alternate Offer: There is an in-branch offer of 120K points after $8K in purchases in the first 3 months. Recent better offer: 120K after $8K spend (expired 9/4/24) FM Mini Review: Great card for welcome bonus and 3X categories. Also consider theInk Business Cash for its 5X categories, and the Ink Business Unlimited to earn 1.5X everywhere. Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ✦ 5X Lyft through March 2025 Card Info: Visa Signature Business issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: ✦ Points worth 25% more when redeemed for travel ✦ Transfer points to airline & hotel partners ✦ Cell phone protection against theft or damage See also: Chase Ultimate Rewards Complete Guide |
75K points ⓘ Affiliate 75K after $6K spend in 3 monthsNo Annual Fee Alternate Offer: You may be able to get an offer of 120,000 points after $6,000 in purchases via a Business Relationship Manager. FM Mini Review: Great welcome 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. Click here for our complete card review Earning rate: 1.5X on all purchases ✦ 5X Lyft through through March 2025 Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees. See also: Chase Ultimate Rewards Complete Guide |
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A good starter card to round out your Chase Eco-system, but goes in the sock drawer once you get an Amex Blue Biz or Citi Dbl Cash
This is, without a doubt, the best dining credit card on the market (minus the mobile wallet bonus cards like USBAR and Kroger).
Why? Not only does this have a pretty broad definition of what counts as dining (including bars) unlike the Amex Gold, with the amount of times you encounter a restaurant that hasn’t bothered to set their coding properly or has an unusual category like bakeries (which aren’t generally considered a dining category), this card guarantees a 1.5% (2.25% with portal) floor for any restaurant purchase.
Any time I encounter a brand new restaurant, I use this card as a test purchase and depending on the cash back, I know what cards I can use next time to maximize rewards.
So, I’m not seeing the benefit of having this plus one of the Chase premium (Preferred or Reserve). Why not just do everything on the premium card?
On the spending side, the premium cards only get 1x everywhere, whereas the Freedom Unlimited gets 1.5 x everywhere + 3x drugstore. For dining spend, the Unlimited is just as good as the Reserve, the Sapphire Preferred *technically* gets 3.1x on dining. The benefit is you can transfer the points you earned on the Freedom Unlimited to the premium cards, which both makes them transferable to travel partners, as well as able to utilize the 1.25x or 1.5x redemption rates on the Sapphire Preferred and Reserve respectively when booking travel through Chase’s travel portal, each of which could make your Chase points more valuable than only redeeming on the Freedom Unlimited if it were a standalone not paired with a premium card.
This card gives you 3x for US drugstore spend, and 1.5x for US non-category spend — this is better than both the Preferred and the Reserve, but you can still move the points earned to the Preferred or Reserve.
I’ve had this Freedom Unlimited Visa card as a replacement for the now defunct Chase Starbucks Visa. I do not see how to earn a monthly $10 credit in the door dash app for non-restaurant purchases. Am I doing something incorrectly?
So, if P2 gets this card but has no premium card, can we still transfer her URs to me, either throughout the year, or after the bonus points post at the anniversary? We’re already set up for transfers from her CSP, but I expect we’ll cancel or product change that in the next couple of months.
Can we get a 2nd Freedom Unlimited card if we already have one (like Ink)? Quite some time ago Chase changed my Slate to the FU and I don’t know why. At the time I had assumed the Slate was going away but I still see it offered. So I’ve never gotten a bonus for it to my knowledge
I did this in 2018, when the same offer was available. I was pretty new to this game. It was lucrative (not as lucrative as the Ink Cash, but the Unlimited offer is uncapped).
I took the plunge again about a month ago. So far, so good!
For some reason, Chase automatically product changed me from my old Freedom card to the Freedom Unlimited at the end of October. They sent me an email at the beginning of October notifying me of the change. When I sent them a secure message saying I wanted to keep my old card (for the 5% categories), they basically told me they were changing me to the Unlimited whether I wanted it or not. I already have the Business Unlimited for 1.5% everywhere and a CSP, so this “new” card doesn’t really do anything for me.
How long do you think will the double earnings offer be available?
Can I use Chase freedom unlimited double deal for business expenses? I have $100,000 charge per money to put on credit card. Do you think Chase will deny the double points for business spending? I cant find any exclusion for business spending
There’s no issue with putting business expenses on a personal card, as long as you have the credit limit to support the spend.
I got the freedom unlimited double deal, but nothing after the original splash page has referenced that deal. With it not being paid until after a year, how can I confirm I am getting that deal on the card I received?
You can send a secure message to Chase and they’ll confirm that the offer is attached to your account.