(EXPIRED) Chase Freedom Unlimited 3X everywhere back in-branch

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Update: This deal originally ran a year ago (April 2018). The return of this offer has been rumored for quite a while, and Doctor of Credit reports the deal is back, though it is available in-branch only at the time of writing. On the downside, this time the deal is capped at $20,000 in purchases in the first year. Still, this is a great deal if you’re looking to earn Ultimate Rewards for daily unbonused spend. Read on for Greg’s original recap of the offer a year ago, updated with the new details:

a close up of a credit card


Chase’s usual offer for the no-fee Freedom Unlimited card is for “$150” after $500 spend.  In reality, the “cash back” earned by this card is in the form of Ultimate Rewards points which can be cashed in at a penny each.  So, the normal offer for this card is really for 15,000 points after $500 spend.  And the card normally offers 1.5 points per dollar everywhere, which is pretty darn good since it’s possible to move these points to a premium card in order to get more than 1 cent per point value.

Now Chase has unveiled an optional new signup bonus for this card, which is available in-branch only as of 3/18/19.  Instead of earning 15,000 points, you can earn an extra 1.5 points per dollar on up to $20,000 in purchases for the first year of card membership.  For big spenders, that’s insane!  If you expect to spend more than $10,000 in your first year with the card, then you’ll come out ahead with the new offer instead of the usual offer.

Unfortunately, the Freedom Unlimited card is subject to 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.

The Freedom Unlimited does charge foreign transaction fees, so leave it at home when traveling internationally.  But within the US, 3X everywhere cannot be beat.

Ultimate Rewards points can be redeemed as follows:

  • Cash or merchandise (1 cent per point value).  Through this option, the Freedom Unlimited earns 3% cash back ton all spend first year.
  • 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).  Through this option, the Freedom Unlimited earns 3.75% back towards travel on all spend first year.
  • Move points to the Chase Sapphire Reserve Card and purchase travel through the Chase Ultimate Rewards travel site (1.5 cents per point value). Through this option, the Freedom Unlimited earns 4.5% back towards travel on all spend first year.
  • 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). Through this option, the Freedom Unlimited earns 3 miles per dollar on all spend first year.

Consider these options for increasing your 3X spend in the first year:

  • Use the card for all spend first year: This is obvious, but needs to be said for completeness.  Use the card for all day to day spend.  You can even put away your Sapphire Reserve except when traveling internationally because your first year Freedom Unlimited will earn the same 3X for restaurants and travel (and everywhere else!)
  • Timeshift Spend: With some utilities and other ongoing expenses it may be possible to pre-pay for charges that you know you’ll incur past the first year.
  • Pay Bills: Obviously if a biller allows credit card payments, that’s a good way to go.  If not, consider using a service like Plastiq to pay bills (including things like rent, mortgage, day care, etc.).  With Plastiq you’ll have to pay a 2.5% fee, but you’ll still come out ahead at 3X.  Better yet, pay your rent for 1.5% with Urbanr.
  • Pay Federal Taxes: The timing on this offer doesn’t make this a great option for many of us, but it’s still a great option for paying estimated taxes or for next year’s taxes.  Fees start at 1.89% for credit cards. Over-payments, if any, will be refunded after you file your year end taxes. For full details, please see: Complete guide to paying taxes via credit card, debit card, or gift card.
  • Fund Kiva Loans: Do good and hopefully get your money back. See: Manufacture Spend (and do good) with Kiva and Kivalens.

Additional ideas for increasing credit card spend can be found here: Manufactured Spending Complete Guide.

Hat Tip: Doctor of Credit.

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[…] Chase Freedom Unlimited 3X everywhere back in-branch (This is also available online.) […]

[…] Chase Freedom Unlimited 3X everywhere back in-branch (This is also available online.) […]

[…] Chase Freedom Unlimited 3X everywhere back in-branch (This is also available online.) […]

[…] Chase Freedom Unlimited 3X everywhere back in-branch (This is also available online.) […]

[…] Chase Freedom Unlimited 3X everywhere back in-branch (This is also available online.) […]

[…] Doctor of Credit reported that this offer has returned in-branch, albeit this time with a cap: earn 3x everywhere on the first $20,000 in purchases in the first year. There’s no doubt that 3x Ultimate Rewards on every purchase sounds awesome, but with Chase […]

the other Sam

Been MS’ing on this card (in wife’s name) since last year. No 20k cap if you were approved in April or May of ’18. Super interested in getting one in my name if they lose the 20k limit. Any chance that happens?


It seems to me that the offer is basically 60k signup bonus if I spend $20k………there’s lot of other card signups that kick this to the curb…………I expect the genius of Frequent Miler guys to be more discerning………….no offense……….

El Jefe

Am I better off getting this or just using my Sapphire Reserve for travel and dining and my Amex Everyday Preferred for everything else since we easily hit 3-+ transactions a month. Am I missing something?


I hope they bring the offer back. Since they do have some serious completion now with the Amex Gold and Citi Prestge coming in Jan


Damn! I hope they bring the offer back since they have some serious competition from Wells and Citi Prestige and Amex new gold.


i signed up for the chase freedom unlimited on 5/4. did i make the cut off for the 3x points everywhere?


Hi Greg! I am just wondering if anyone has ever received the 3x card? I applied for it using an appropriate link that showed 3x on it. Received the card and the paperwork for it and it only said 1.5x. I called them and it was escalated to a 2 supervisors. They said they would call back in 24-48 hours. They called and left me a vm and said they will only honor the 1.5x because that is what I signed up under.

A week later my husband signed up for it using the 3x link and we took a screenshot of it before we signed up. We just logged into his Chase portal and it is showing 1.5x! I am in shock! Curious to find out if anyone has actually received this?


I just got my card in the mail today. I also signed up using the 3x application link, but all my ppwk that came with the card says 1.5x also! I haven’t made any purchases yet, but I was nervous when I saw that. I’ll let you know how I fare….

the other Sam

My wife just got her Chase FU in the mail yesterday (applied last week from 3X promo page), and the enclosed literature made no mention of the 3X UR points for the first 12 months, only 1.5X. We SM’d them seeking clarification, and they responded today that they will honor the 3X offer. No screenshot needed – just a quick dig that if they don’t honor it, their card is worth less than the Citi DCB card.


I just rec’d an SM back after I asked them to confirm the 3x on all purch for the first year. She came back and said she did not see that on my account and I needed to send them the ppwk that I received showing that. I sent her my screenshot, hopefully that’s enough…


Final DP: I posted 2 days ago, but I now have my answer. So I sent the screenshot showing the 3x application link, they SM’d back saying the offer was not on my account…only the 1.5x.
I called in and the woman I spoke with was very nice, and she put me on hold to check my offer. She came back and said she did see it on my account and she would make a special note just in case I called in again about it and someone did not see it. She mentioned several times that she saw the “targeted” offer on my account…so I’m not sure if somehow that’s what’s messing things up.
Anyway, she did say I was all set with the 3x, and she seemed believable. So if you get shot down by SM, definitely call in and make them search for it!

Greg The Frequent Miler

Great to hear! Thanks for sharing this


Is this deal still alive? Link just says $150 sign up bonus

Greg The Frequent Miler

It’s dead

[…] I have never gotten a signup bonus on the Freedom Unlimited. When the new 3x offer came out (See: Holy smokes….Chase Freedom Unlimited 3x everywher first year), I saw too much value in it to pass it up. Three percent back for one year with no annual fee is […]