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A Simple No-Annual-Fee Credit Card That Offers Benefits for Everyone: The Chase Freedom Unlimited

A Simple No-Annual-Fee Credit Card That Offers Benefits for Everyone: The Chase Freedom Unlimited

DevonA Simple No-Annual-Fee Credit Card That Offers Benefits for Everyone: The Chase Freedom UnlimitedMillion Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

The Chase Freedom Unlimited® shines as one of the most useful no-annual-fee credit cards because it fits folks from all walks of life.  Not only does it earn 1.5% cash back (1.5X Chase Ultimate Rewards points per $1) with every purchase, but also you can pair it with annual-fee Chase Ultimate Rewards cards for even bigger value.

When you spend $500 on purchases on the Chase Freedom Unlimited in your first 3 months from account opening, you can earn a $150 cash bonus (15,000 Chase Ultimate Rewards points).  

But this card isn’t just about the bonus and easy earning from spending.  There are also plenty of benefits that come with the Chase Freedom Unlimited, like extended warranty, purchase protection, and more!

The Chase Freedom Unlimited Comes With Great Benefits and a Welcome Bonus!

Chase Freedom Unlimited $150 Bonus (15,000-Point) Offer

Apply Here:   Chase Freedom Unlimited

Our Review of the Chase Freedom Unlimited

 

When you sign-up for the no-annual-fee Chase Freedom Unlimited card, you’ll earn $150 (15,000 Chase Ultimate Rewards points) after you spend $500 on purchases in your first 3 months from account opening.

You can also earn an additional $25 (2,500 Chase Ultimate Rewards points) for adding your first authorized user and making your first purchase within this same 3-month period.

That’s a potential to earn $175 (17,500 Chase Ultimate Rewards points) after meeting the spending requirements!

No matter what, you’ll earn unlimited 1.5% back (1.5X Chase Ultimate Rewards points per $1) on all purchases.

You can redeem your points for cash back, gift cards, or travel through the Chase Ultimate Rewards travel portal at a rate of 1 cent per point.

Chase Freedom Unlimited® Benefits and Current Offer
You Can Redeem Your Points for Cash Back, Gift Cards, and Travel

Extensive Benefits From a Simple No-Annual-Fee Card

Unlimited 1.5% back (1.5X Chase Ultimate Rewards Points per $1) on ALL Purchases

Without spending and category limits to hold you back, you will earn 1.5% cash back (1.5X Chase Ultimate Rewards points per $1) on every purchase using this card.  So simple!

My fiancee doesn’t have a credit card and believes almost every one of these popular myths!  However, with some transparency and showing her how I use my credit cards, she filled out her first application for the Chase Freedom Unlimited.  I recommended this card for her because she wants to be rewarded every time she makes a purchase.

Pair the Freedom Unlimited With Other Eligible Chase Cards for Big Travel With Small Money!

On their own, points linked to the Freedom Unlimited are worth 1 cent each.  But if you have any of the below Chase Ultimate Rewards point earning credit cards, you can get significantly more value:

Many folks pair their Chase Freedom Unlimited with the Chase Sapphire Preferred (our favorite card for beginners).  When you transfer your points linked to your Freedom Unlimited to the Sapphire Preferred, they’ll increase in value from 1 cent each to 1.25 cents each towards travel booked through the Chase Ultimate Rewards Travel Portal!  The same is true if you move your points to the Chase Ink Business Preferred.

Even better, if you have the Chase Sapphire Reserve, you can combine your points to that card and they’ll be worth 1.5 cents each towards paid travel through the portal.

Chase Freedom Unlimited® Benefits and Current Offer

Once linked to an annual-fee Chase Ultimate Rewards card, you can also transfer your points to Chase’s excellent airline and hotel partners for award travel, like United Airlines, Hyatt, and Southwest!

Extended Warranty

Eligible purchases with your Chase Freedom Unlimited extend the manufacturer’s warranty of the product by 1 year!

With this coverage, you’ll get an additional year of warranty on eligible warranties of 3 years or less, up to a maximum of $10,000 per claim, and a maximum of $50,000 per account.

To be eligible for coverage, you must charge some portion of the item’s purchase price to your card or use reward points earned on your card toward the purchase.  Check out page 11 in the Chase Freedom Unlimited Guide to Benefits to see what items qualify.

Chase Freedom Unlimited® Benefits and Current Offer
Chase Freedom Unlimited Purchases Extend Manufacturer Warranties by 1 Year

This benefit is secondary to any service contract or extended warranty you may have purchased or received.

Purchase Protection

You’ll get automatic purchase protection coverage when you shop with the Chase Freedom Unlimited, which covers you in the event of damage or theft.

If an eligible item you purchase is lost or stolen within 120 days, this coverage will replace, repair, or reimburse you up to a maximum of $500 for each claim and up to $50,000 total for your account.

Gifted items receive purchase protection too!  Consider this during the holiday season when you are shopping.

Pro tip:   You still get purchase protection when you make purchases using your Chase Ultimate Rewards points!  You can check the Chase Freedom Unlimited Guide to Benefits starting on page 6 for restrictions and exclusions about this coverage.

Auto Rental Collision Damage Waiver (Auto Rental CDW)

When you decline the rental agency’s Collision Damage Waiver (CDW) / Loss Damage Waiver (LDW), you’ll get secondary coverage when you pay for your car rental with the Chase Freedom Unlimited.  Coverage is global and is eligible with most private passenger vehicles.  Covered losses are:

  • Physical damage and theft of the vehicle
  • Valid loss-of-use charges while the damaged vehicle is out of service
  • Reasonable and customary towing charges
Chase Freedom Unlimited® Benefits and Current Offer
Auto Rental Coverage Comes Complimentary With Your Chase Freedom Unlimited Rental Purchases

You can find much more information starting on page 2 in the Chase Guide To Benefits.  Remember, this is complimentary for just having your Chase Freedom Unlimited card active and using it to pay for your rental reservation!

Roadside Dispatch

To be honest, I didn’t know the Chase Freedom Unlimited card had this benefit until now!  To use the roadside assistance, call 800-847-2869, listed on page 29 of the Guide to Benefits.

For a flat fee per service call, the program provides:

  • Towing – Up to 5 miles included
  • Tire Changing – You provide your own spare
  • Jump Starting
  • Lockout Service
  • Fuel Delivery – Up to 5 gallons (cost of fuel not included)
  • Winching – Within 100 feet of paved or maintained road

The Chase Guide To Benefits doesn’t state what the flat fee is, so I called the phone number above.  A nice gentleman answered and informed me the flat fee is ~$70!  While somewhat expensive, if you do need this service, take care in knowing there’s a team ready to assist you with any of the above.

Bottom Line

We always recommend no-annual-fee cards like the Chase Freedom Unlimited because of the value they bring to your wallet!  Plus, no-annual-fee cards are free to keep forever, which can increase the average age of your accounts and boost your credit score.

The Chase Freedom Unlimited is currently offering a $150 cash bonus (15,000 Chase Ultimate Rewards points) after you spend $500 on purchases in your first 3 months from account opening.  And you’ll earn 1.5% cash back (1.5X Chase Ultimate Rewards points per $1) on every purchase with no limits.

On top of an easy-to-earn bonus and simple rewards earning, the benefits that come complimentary with the Freedom Unlimited like extended warranty, purchase protection, and auto rental coverage are useful for all types of folks.

Have you used any of the extra perks with the Freedom Unlimited?  Please share in the comments!

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Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • 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
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • 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

More Info

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I believe that if you have the Freedom Unlimited linked to Chase Sapphire Reserve, you would want to use the Reserve if you need Roadside Dispatch. Then you wouldn’t have to pay the $70 fee. I’m pretty sure the Reserve is free for the first $50 4 times a year.

Author

Hi! According the link below, you are correct! It’d be much more beneficial to have the Chase Sapphire Reserve when using Roadside Assistance.

https://www.chase.com/content/chasecom/en/card-benefits/benefit-details/Sapphire_Reserve/sapphire-roadside-assistance-mc.html