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May 6, 2018

Chase Freedom Unlimited Rewards

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With 1.5% cashback on everything, Chase Freedom Unlimited lets you rack up rewards fast. Learn other ways to earn tons of points and your redemption options.

Overview

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee

How to Earn Points Fast

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  • Spend $500 within first 3 months. Right off the bat, you get a $150 bonus if you spend just $500 in the first 3 months of account opening.

    Apply for Chase Freedom Unlimited

  • Add an authorized user. You'll earn another $25 when you add your first authorized user and they make a purchase within the first 3 months from account opening.

  • Buy things with your card. You get 1.5% cashback on EVERY purchase, and the rewards are unlimited. So you can even make this your primary card.

  • Shop through Chase. Chase has an Ultimate Rewards shopping portal where you can earn bonus points for every $1 spent. There are over 200 popular stores. They offer anywhere from 2 - 20x points per $1.

  • Refer friends. Love your Freedom Unlimited? Refer your friends and family and earn bonus points for each successful referral. You can get $100 for each friend who gets approved, up to $500 a year.

  • Shop through Chase Pay. Chase also has a Chase Pay mobile app. It makes checking out easier at partner merchants (including Starbucks and Best Buy). Once a while, Chase will give you bonus points when you buy through Chase Pay at certain retailers.

How to Redeem Chase Freedom Unlimited Points

Your rewards come in the form of Ultimate Rewards points. Ultimate Rewards is one of the best and most flexible credit card reward programs. You can redeem points for:

  • Get cash back (1 cent/point). Redeem your rewards for cashback in the form of statement credit or direct deposit into your bank account. You'll need at least 2,000 points to convert them to cash.

  • Exchange for gift cards (1 cent/point). Or get gift cards from your favorite retailers. You can choose from over 150 popular stores and restaurants. Gift card amounts vary by merchant, but most start at either 1,500 points for $15 or 2,500 points for a $25 gift card.

  • Book travel (1 cent/point). Book flights, hotels, and car rentals on the Chase travel portal with your points. You can use your points for either all or a portion of your trip.

    Tip: If you have one of the premium cards, like Chase Sapphire Preferred, you can combine your points onto that card for better value. Then you can either transfer the points 1:1 to a travel partner such as United Airlines OR get 20% off when you redeem for travel on the Chase travel portal.

  • Checkout on Amazon (0.8 cent/point). If you link your Chase card and your Amazon account, you can use your points to checkout. But this isn't the best redemption option, as your points have less value. It's better to buy an Amazon gift card with your points.

  • Check out on Chase Pay (0.8 cent/point). You can use your points on Chase Pay app to checkout at partner merchants. Your points are redeemed automatically as statement credit.

Bottom Line

Chase Freedom Unlimited is a great cash back card if you want a flat reward structure on every purchase. Chase also offers plenty of other ways to earn more bonus points.

When it comes to redemption, the best options are cashback or cash-equivalent options at the rate of 1 cent per point. If have one of the Sapphire cards, you can transfer your points onto that account for more value.

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: This content was first published on May 6, 2018. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check Chase website for updated information.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

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Chase Freedom Unlimited
Apply for Chase Freedom Unlimited
At Chase's Secure Site
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
  • Go to issuer's official application, terms, and details
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months
16.99% - 25.74% Variable
$0

Compare Chase Freedom Unlimited to:

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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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