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INSIDER SECRET: The Chase Freedom Unlimited doesn’t come with a standard sign-up bonus. It comes with an intro offer that gives you DOUBLE the cash back on every purchase for the first year (up to $20,000 in spending). That’s an extra $300 you could earn.
Chase Ultimate Rewards are our favorite type of points. They are perfect to start with when you are just getting into this hobby because they are easy to earn, easy to use, and are very flexible.
Many Million Mile Secrets team members carry the Chase Freedom Unlimited card in their wallet. It offers 3% cash back (3 Chase Ultimate Rewards points per dollar) on all purchases for the first year, up to $20,000 spent, then 1.5% cash back (1.5 Chase Ultimate Rewards points per dollar) on purchases after that.
One great thing about the Chase Freedom Unlimited is that you don’t have to worry about keeping track of bonus spending categories. But there are plenty more reasons why we like this card.
6 Reasons the Chase Freedom Unlimited Is One of My Go-To Cards
Apply Here: Chase Freedom Unlimited®
Read our review of the Chase Freedom Unlimited
1. Earn Lots of Chase Ultimate Rewards Points
The Chase Freedom Unlimited card earns 1.5% cash back (1.5x Chase Ultimate Rewards points per dollar) on all purchases. There are no special categories and no limit to the number of points you can earn.
You can redeem your Chase Ultimate Rewards points for cash back or for paid travel through the Chase Ultimate Rewards Travel Portal at a rate of 1 cent per point. So 1,000 Chase Ultimate Rewards points, for example, are worth $10 in cash back or travel.
But read on for a way to make the points you earn from the Chase Freedom Unlimited worth even more.
2. Up to $300 “Welcome Offer”
The Chase Freedom Unlimited doesn’t come with bonus points after you meet minimum spending requirements. Instead, you’ll receive 3% cash back (3 Chase Ultimate Rewards points per dollar) on all purchases for the first year, up to $20,000 spent (then 1.5% cash back on additional purchases).
That means if you spend $20,000 on the card the first year, you’ll receive $600 cash back (60,000 Chase Ultimate Rewards points). That’s $300 more than you’d normally earn with this card’s 1.5% cash back rate.
3. No Annual Fee
A big reason many of us have kept this card year after year is there is no annual fee. Keeping a card like the Chase Freedom Unlimited open over time can also help increase your credit score. Part of your score is based on length of your credit history, so keeping some cards open long term is a smart idea.
4. Access the Chase Ultimate Rewards Travel Portal (No Blackout Dates)
You can use the points earned from this card for flights, hotels, rental cars and more through the Chase Ultimate Rewards Travel Portal and you can pay fully or partially with points.
How cool is it that you can earn free travel just by using the right credit card for your everyday purchases?
5. Pair With a Premium Card for Even Better Deals
If you also have an annual-fee Chase card like the Chase Sapphire Preferred Card, Chase Sapphire Reserve, or Chase Ink Business Preferred Credit Card, you can combine your points to those cards to make them even more valuable.
These cards have a higher redemption rate for booking travel through the Chase Ultimate Rewards Travel Portal, so they can help make your points go further.
When booking travel through the online portal, your points will be worth 25% to 50% more after you transfer them to a premium card:
- Chase Sapphire Preferred: 1.25 cents per point
- Chase Ink Business Preferred: 1.25 cents per point
- Chase Sapphire Reserve: 1.5 cents per point
When you have one of these premium cards, you will also have the ability to transfer your points to any of Chase’s airline and hotel partners. Transferring your points to travel partners can get you even more value, especially when you redeem them for otherwise-pricey award flights or hotel stays.
Once you combine your points with an annual-fee Chase Ultimate Rewards card, you can transfer them to partners like:
- Aer Lingus
- British Airways
- Flying Blue (Air France / KLM)
- Singapore Airlines
- United Airlines
- Virgin Atlantic
6. It’s a Great Card for Beginners
We’re all about free travel, but we also like to keep things simple. Chase Ultimate Rewards points are among the easiest type of points to use, and we recommend them if you are just getting started in the wonderful world of miles and points.
Our favorite first credit card for beginners is the Chase Sapphire Preferred, and the Chase Freedom Unlimited isn’t too far behind — especially if you’re looking to supercharge your Chase Ultimate Rewards points earning with the Chase trifecta.
Another reason for beginners to consider the Freedom Unlimited early on is the Chase “5/24” rule. If you have opened five or more cards in the last 24 months (not counting Chase small business cards and certain other business cards), it’s unlikely you’ll be approved for most Chase cards, including the Chase Freedom Unlimited.
It’s smart to start with those so you don’t get shut out because of 5/24, because Chase has some of the best credit cards for travel.
The Chase Freedom Unlimited is great for beginners and seasoned miles and points experts alike. Many of us on the MMS team have this card in our wallets.
It’s a simple card to use, but it has huge earning potential. With the Chase Freedom Unlimited, you can earn 3% cash back on all purchases for the first year, up to $20,000 spent, then 1.5% cash back on purchases after that. And there’s no annual fee, which makes it free to keep forever and potentially increase your credit score.
If you’d rather not keep track of category bonuses, the Freedom Unlimited is a terrific choice. Let us know what you think of the card. And you can learn more about Chase Ultimate Rewards points here:
- Chase Ultimate Rewards Review
- Chase Points Value
- Best Way to Use Chase Points
- Chase Transfer Partners
- How to Earn Chase Ultimate Rewards Points
- How to Setup a Chase Ultimate Rewards Account
- How to Use Chase Ultimate Rewards Points
- Do Chase Ultimate Rewards Points Expire?
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