Now Available Online: Freedom Unlimited Card With 1.5X Points Everywhere

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Via Miles to Memories, Chase has activated the online application for the Chase Freedom Unlimited ahead of schedule.  The card is interesting because it offers 1.5% cash back or 1.5 Chase Ultimate Rewards points per $1 on all purchases.

It does NOT have rotating 5X categories like the regular Freedom card.

But like the Freedom, it has no annual fee and the same sign-up bonus of 15,000 Chase Ultimate Rewards points ($150) after you spend $500 within the 1st 3 months of opening your account.

Now Available Online Freedom Unlimited Card With 1.5X Points Everywhere

Earn 1.5X Chase Ultimate Rewards Points on Purchases, Then Move the Points to Your Chase Sapphire Preferred, Ink Plus, or Ink Bold Card. From There You Can Transfer to Partners Like United Airlines to Fly on Star Alliance Airlines Such as This Lufthansa Business Class Flight Emily Took Home From Paris

Until now, the Freedom Unlimited was only available in Chase branches.

Considering the Freedom Unlimited?

Link:   Chase Freedom Unlimited

Link:   Review of the Chase Freedom Unlimited

See my full review of the Freedom Unlimited where I explain:

  • How 1.5 Chase Ultimate Rewards Points Can Be Worth More Than 2% Cash Back
  • Regular Freedom vs Freedom Unlimited – Which Should You Choose?
  • Why and How You Might Decline the Sign-Up Bonus but Save a Credit Pull

In short, many of y’all may do better asking Chase to switch 1 of your current Chase cards that you’re not using much to the Freedom Unlimited.  You will NOT be eligible for the sign-up bonus, but it won’t count as opening a new card.

Because Chase has tightened their application rules.  If you’ve opened ~5 or more cards from any bank in the past 24 months, it’s unlikely you’ll be approved for new Chase cards.

Note:   You can have both the Freedom and Freedom Unlimited cards, because they’re different card products.

My favorite aspect of the Freedom Unlimited is that you can send the Chase Ultimate Rewards points to your Chase Sapphire Preferred, Ink Plus, or Ink Bold, and then to Chase’s travel partners.

Rumor 100,000 Chase Ultimate Reward Point Sign Up Bonus With New Card Coming Soon

For Big Travel With Small Money, Skip the 1.5% Cash Back. Instead Move Your Points to the Chase Sapphire Preferred, Ink Plus, or Ink Bold. That Allows You to Transfer to Great Partners Like Southwest, Hyatt, and United Airlines

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Editorial Disclaimer: Neither the responses below nor the editorial content on this page are provided or commissioned by the bank advertisers, and have not been reviewed, approved or otherwise endorsed by the bank advertisers. Opinions expressed here are the author’s alone, not those of the bank advertisers. It is not the bank advertisers’ responsibility to ensure all posts and/or questions are answered.

7 responses to “Now Available Online: Freedom Unlimited Card With 1.5X Points Everywhere

  1. Well this stinks. I applied for the Chase Sapphire Preferred and got declined. Called the reconsideration number and he said I was declined for having too many credit cards issued to me over the last 1-1/2 years. I got both Citi Cards this year, both SPG cards, the Hilton card, and only have 3 cards with Chase. Both Fico’s are above 800. All balances are zero. What is the deal with Chase.

  2. Dear John,
    Having had a similar experience with Sapphire about 10 months ago, I feel your pain. When Chase says “too many credit cards issued”, they don’t care what bank they’re from. Also, FICO scores and payment history matter for a risk assessment, but not for the reason you were declined.

  3. New to Chase starting a year ago is the 5/24 “rule”. If you’ve had >5 new credit cards in the last 24 months, generally, Chase won’t approve you for their Own cards. And, starting soon, that also applies to cobranded cards (Hyatt, SW, Marriott, Unites, etc).

  4. What’s interesting from John’s comment is the “1-1/2 years” reference by the Chase rep. Could it be that Chase is softening the 5/24 rule to a 5/18 rule?

  5. i am tempted to switch my CSP to to Freedom Unlimited, but since i have CSP for more than 24 mths and i have only opened 2 cards in past 24 mths, do you think it will be risky if i just cancel CSP, apply for Freedom Unlimited for now, and then reapply CSP some point down the road?

  6. Too bad it has 3% Foreign Transaction fee’s.

  7. @John @bandgk @James – Here are some posts explaining what we know of Chase’s new application rules. There’s nothing in writing and folks report some exceptions.

    http://millionmilesecrets.com/2015/06/18/new-rules-for-chase-credit-card-approvals-what-to-do-about-it/

    http://millionmilesecrets.com/2016/01/21/chase-ink-application-rules-may-soon-be-changing/

    http://millionmilesecrets.com/2016/02/11/chase-airline-and-hotel-cards-may-soon-have-tighter-application-rules/

    http://millionmilesecrets.com/2015/06/22/possible-exceptions-to-the-new-chase-approval-rules/

    @greys – It’s hard to say. Keep in mind you can only transfer Chase Ultimate Rewards points to airline and hotel partners if you have the Chase Sapphire Preferred, Chase Ink Plus, or Chase Ink Bold card. So you might want to hang on to that Chase Sapphire Preferred!

    @Sal – Most no-annual-fee cards have foreign transaction fees. Here are a few that don’t:

    http://millionmilesecrets.com/2015/10/26/cards-with-no-annual-fee-and-no-foreign-transaction-fees/#comments

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