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May 6, 2018

Chase Freedom Unlimited Rewards

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Chase Freedom Unlimited lets you rack up rewards fast. Learn smart ways to earn tons of points and your redemption options.

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Overview

How to Earn Points Fast

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  • Spend $20,000 within your first year. Earn unlimited 1.5% cash back on all purchases.

  • Buy things with your card. You get cashback on every purchase. 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.

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.

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: The information for the Chase Freedom Unlimited® has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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Chase Freedom Unlimited Benefits


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Compare Chase Freedom Unlimited to:

Compare Chase Freedom Unlimited vs Chase Sapphire Preferred
Apply for Chase Sapphire Preferred Card
At Chase's Secure Site
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.99% - 22.99% Variable
$95

Compare Chase Freedom Unlimited vs Blue Cash Everyday
Apply for Blue Cash Everyday Card from American Express
At American Express' Secure Site
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsurancePurchase Protection$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
N/A
13.99% - 23.99% Variable
$0

Chase Freedom Unlimited Credit Score

Chase Freedom Unlimited usually requires a good credit score (680+). But this is not the only deciding factor. Find out how to improve your odds.

About CreditDonkey®
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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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