Chase Freedom Unlimited‎ Credit Card Review

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The Chase Freedom Unlimited®‎ earns 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases on all purchases, charges no annual fee, and is one of our key recommendations for folks building out a portfolio of Ultimate Rewards earning cards.

Chase Freedom Unlimited®
Chase Freedom Unlimited®
Annual Fee$0
Welcome Bonus Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
The everyday workhorse of the Ultimate Rewards family of cards earns 1.5% cash back on every purchase, every day of the week. While the Freedom Unlimited earns cash back on its own, the points earned become even more valuable when you hold an Ultimate Rewards card with the ability to transfer points to partners.
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • Earn 5% on travel purchased through Chase
  • Earn 3% on dining at restaurants
  • Earn 3% on drugstore purchases
  • Earn 1.5% on all purchases

Why earn just 1.5% cashback over the long term when there's a host of cards offering 2% or more back on everyday purchases? The answer lies in the Freedom Unlimited‎ belonging to the Ultimate Rewards family of credit cards.

Get More Value with Ultimate Rewards

The Freedom Unlimited‎ works best as a companion card to Ultimate Rewards earning cards like the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card, which receive just 1 point per dollar on everything except travel and dining purchases. Place your spending on whichever card earns more points for each purchase, and get an excellent return for every dollar you spend.

Ultimate Rewards Hero Image

When it's time to redeem, you can get even more value from the points you earned with the Freedom Unlimited by combining them with a premium card.

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Feature Benefits

With no annual fee, the Freedom Unlimited doesn’t include the same long list of benefits as some of its Ultimate Rewards stablemates, but you still get an excellent package of features for a card you can hold for the long term without any out-of-pocket expense. Highlights include:

  • Ability to combine points with other cards in the Ultimate Rewards stable and redeem for higher value – See our post on building the ultimate travel rewards combo for more details.
  • Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases.
  • No annual fee
  • No minimum required to redeem cashback and your Cash Back Rewards do not expire as long as your account is in good standing
  • 0% Intro APR on Purchases for 15 months. After the intro period, a variable APR of 14.99% - 23.74% will apply.

Signup Bonus

The Chase Freedom Unlimited®‎‎ earns a $200 bonus after you spend $500 on purchases in your first 3 months from account opening. While this is far from the most lucrative welcome offer, this card's long-term earning potential makes it a rewards heavyweight.

Application Restrictions

Chase features some of the more limiting application restrictions of the major credit card providers. Limitations include:

  • 5/24 policy – If you've been approved for five or more new credit cards in the previous 24 months from any provider, it's highly unlikely you'll be approved for the Freedom Unlimited.
  • 90-day policy – You can only receive one personal and one business card from Chase every 90 days.

For more details, check out our post covering application restrictions for major credit card providers.

Final Thoughts

The Freedom Unlimited is not likely the first card you’ll apply for, especially if you’re looking to fill out Chase rewards cards under the 5/24 policy. But as a companion card to other Ultimate Rewards earning cards like the Sapphire Preferred, Sapphire Reserve, or Ink Preferred, the Freedom Unlimited provides a fantastic return on non-bonus spend, allowing you to maximize the points earned on purchases that don’t fall under bonus categories on other cards.

In addition to a $200 bonus, the card features an excellent intro APR on purchases, and you’ll never have to pay an annual fee as long as you hold the card. Keep in mind; the Freedom Unlimited is subject to Chase’s 5/24 policy, so you’re better off applying for Chase’s premium Ultimate Rewards cards before using a valuable 5/24 slot for this card.

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    Wish Chase Freedom cards can transfer points to partners directly.

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    Demetris Demetriou says:

    Too bad I use Walmart grocery pick up and this card does not seem to count that as grocery.

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    Do you get $200 statement credit or 20000 UR points ?

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      Technically, you earn 20,000 points. If you only have the Chase Freedom Unlimited, these can be redeemed for a statement credit at a rate of 1 cent each. However, you can turn these points into transferrable UR points if you “combine” the points into your Chase Sapphire Reserve, Chase Sapphire Preferred, or Ink Business Preferred card account.

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    I got the Freedom Unlimited in May, and hit the bonus recently. I wrote a SM to Chase and then called to request a bonus match to this exceptional offer, and was told that the offer is targeted to only some existing cardholders. I had put all of my grocery spend on my Sapphire Preferred to hit the bonus, and now that I’ve hit all of the bonuses, I have switched my in-store grocery spend to the Freedom Unlimited. Hopefully with a couple months’ worth of spending data in groceries, I can make another request to be bonus matched before this offer disappears.

    This is an incredible offer, but I wished that Chase would offer it retroactively to all cardholders who were issued the card in the last 90 days (and are still in the signup bonus period).

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    What does it mean “if used as a stand alone card”?

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      JT Genter says:

      If you only have the Chase Freedom Unlimited, it works as a cashback card. However, if you combine it with a Chase Sapphire Preferred or Chase Sapphire Reserve, the Freedom Unlimited effectively earns points. That’s because you can transfer the cashback from the Freedom Unlimited to the CSR or CSP.

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      When the card isn’t paired with a Sapphire card it’s a Cashback card but if you also hold a Sapphire card, you can combine points for greater value.

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    Estefania Yael Saban Zimmerman says:

    Thanks for the amazing notice

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    Wow! Any word on when this offer ends? I’m moving in the next couple weeks and I can’t have it mailed to my current address but can’t have it mailed to my house yet nor do I want to get declined for not matching my credit report.

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      No end date has been communicated to us so far. I recently moved right after applying for a card, and USPS mail forwarding got my card to me—albeit a few weeks later than expected.

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        Problem is I’m military overseas and my mailing and billing address is an APO box and USPS mail forwarding doesn’t apply. Now with COVID mail takes about two months to get here which would then get forwarded to our new address making the whole thing about a 4 month turnaround. I guess I need to wait.

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          Ah understood. Historically, offers like this tend to stick around for about 60 days, so you probably have some time. We generally don’t find out until right before the change, but we’ll definitely let you know if the end date is announced in advance. Thank you for your service.

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            Everyone in the working world does a service for someone. Thank you Erik for making my life – and the lives of however many tens or hundreds of thousands of readers you have – easier.

            I’ll check followup via email but I check the site daily anyway so I’ll keep an eye out for an update on this offer. Pairing this with the CSR would be a big deal.

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          Wow. I cringe at your wait time. I mean, c’mon. When you’re serving us, we really need to figure out how to do a much better job of getting you your mail, as quick as humanly possible. I’d have no problem giving up a day for mine stateside for you all to be prioritized.

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    The so-called “no forex fee” these days actually once again hide the forex surcharges. AMEX is doing it again for example, though it was sued for such practice and paid its card members rebates almost 15 years ago.

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    Now, curious if they’d be willing to upgrade an existing Chase Freedom Unlimited to add that 5% grocery bonus category. That would inspire me to use it more than just every once in a while.

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      The only data point I’ve seen is recent applications. But being that it’s a signup bonus, I would doubt longtime cardholders could ask for it.

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    Had Chase Freedom for many years. Will think about unlimited as a second card.

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    Great rewards until they change the rules…

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    they should get rid of 5/24 if they want more sign-ups.

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    MB Sorensen says:

    I have the Freedom Unlimited card (and CSR and Freedom and Ink). Can I apply for another one? Is it possible to have two of the same product with Chase?

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      JT Genter says:

      No. The terms note that “This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.”

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    Chase ink unlimited earns the same I believe

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    Wish freedom unlimited can use rewards freely as Sapphire cards do.

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    florencia says:

    How can the 800 prize be accumulated? What are the consumptions that must be made to accumulate this amount?

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    Any idea if retroactive for recent applications? My wife just got this card a couple weeks ago without this offer

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    George p Pandis says:

    I have the CSP, i think this will be a good addition to my reward earnings.

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    Are grocery delivery services included in the 12K grocery spend? Instacart, Shipt, etc.?

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      Hey David, it will take a little while until we start getting data on this, but my guess would be yes. Several delivery services coded as grocery for the Sapphire cards when Chase ran the 3x/5x promo. Hopefully, the Freedom Unlimited offer follows suit.

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    these are Amazing cards!! Jump in a get them now!!!