Signup For Chase Freedom Unlimited® And Earn 3-6.5 Points Per Dollar For A Year!
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Special signup offer:
Open a Chase Freedom Unlimited with this link and earn an extra 1.5% cash back, in the form of 1.5 bonus points per dollar everywhere for a year, up to $300 cash back in the form of 30,000 bonus points. You can max that out with $20K of spending in your first year.
Officially this card offers 1.5% cash back, 3% cash back, and 5% cash back categories, but you’ll actually receive 1.5, 3, or 5 Ultimate Rewards points per dollar. Those points can be used for cash back, but they can also be used for travel where they can be worth much more than that. With this offer, you will earn 3, 4.5, or 6.5 points per dollar for your first year after the 1.5x bonus, up to 30K bonus points!
Annual fee:
None
Signup bonus terms:
You won’t get approved for a Freedom Unlimited Visa if you currently have a Freedom Unlimited Visa or if you received a signup bonus on a Freedom Unlimited card in the past 24 months.
If you have a current Freedom Unlimited Visa, you can call or message Chase to convert it to another card and then apply for this offer after waiting a few days.
5/24:
Some Chase cards are subject to 5/24 restrictions, meaning that you might not be approved if you have been approved for 5 or more consumer credit cards in the past 24 months. Enforcement of 5/24 has been patchy for the past year and the only way to know if you can get approved is by trying to apply.
Note that the Chase system automatically counts cards like authorized user cards and store cards as cards that count towards 5/24, but if you explain to Chase that those cards are merely authorized user cards or store cards they can manually approve you for a new card.
You can check your credit report for free at the federally authorized annualcreditreport.com to check how many accounts are shows as being open in the past 24 months.
Card earnings:
The Chase Freedom Unlimited® Card is an amazing all-around no annual fee credit card. It’s marketed as earning 1.5%-5% cash back, but it actually earns 1.5-5 Ultimate Rewards points per dollar everywhere. As each point can be worth 1.5-2 cents (or more) each, that’s like earning 2.25%-10% back everywhere!
With this bonus 1.5 points per dollar offer, you’ll earn 3-6.5 Ultimate Rewards points per dollar everywhere!
- 1.5 Ultimate Rewards points per dollar everywhere, marketed as 1.5% cash back.
- Earn 3 points per dollar everywhere during your first year, up to 30K bonus points.
- 3 Ultimate Rewards points per dollar on drugstore purchases, marketed as 3% cash back.
- Earn 4.5 points per dollar during your first year, up to 30K bonus points.
- 3 Ultimate Rewards points per dollar on dining purchases, marketed as 3% cash back. This includes dining in, takeout, and restaurant delivery apps.
- Earn 4.5 points per dollar during your first year, up to 30K bonus points.
- 5 points per dollar on all travel purchased through the Chase Travel, marketed as 5% cash back.
- Earn 6.5 points per dollar during your first year, up to 30K bonus points.
- 5 points per dollar on Lyft spending through 3/31/25, marketed as 5% cash back.
- Earn 6.5 points per dollar during your first year, up to 30K bonus points.
0% APR:
0% intro APR on purchases and balance transfers within 15 months of account opening. After that, 20.49%–29.24% variable APR.Potentially, that means you can stick your payments aside from the minimum payment into a 5.05% savings account and pay the card back after a year with no penalties or interest.
Card benefits:
- Trip Cancellation/Trip Interruption Insurance
- Purchase protection for items damaged or stolen within 120 days
- Extended warranty protection
- 3 months of Doordash Dashpass
Increased points value:
You can cash out your points for 1% cash back. I hope that you won’t do that.
If you or someone in your household has an Ink Business Preferred® Credit Card Card or Chase Sapphire Preferred® Card you can redeem Chase Ultimate Rewards points earned from any card at a value of 1.25 cents towards paid travel.
If you or someone in your household has a Chase Sapphire Reserve® you can get a value of 1.5 cents per point towards paid travel.
The Freedom Unlimited card can’t transfer points directly into miles, but Chase allows you to transfer points to cards where they can be transferred into miles or redeemed for a greater value. My aim is to receive a value of 2 cents per point via transfers to miles, meaning you earn up up to 20% back for your purchases in the first year.
Airline and hotel points transferability:
If you or someone in your household has a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred you can transfer Chase Ultimate Rewards points into valuable airline and hotel mileage currencies.
Card convertibility:
You can call Chase to convert this card or any of the following cards into another card from the list below:
- Chase Sapphire Preferred® Card ($95 annual fee)
- Chase Sapphire Reserve® Card ($550 annual fee)
- Chase Freedom Unlimited® Card ($0 annual fee)
- Chase Freedom Card ($0 annual fee)
- Chase Freedom Flex Mastercard ($0 annual fee)
Note that some reps will only allow card conversions after you have had the card for 12 months.
Ultimate Comparison Chart Of Chase Ultimate Rewards Cards
| Freedom Flex | Chase Freedom Unlimited® | Chase Sapphire Preferred® Card | Chase Sapphire Reserve® | Ink Business Cash® Credit Card | Ink Business Unlimited® Credit Card | Ink Business Preferred® Credit Card | |
|---|---|---|---|---|---|---|---|
| Signup bonus | 20K points for spending $500 in 3 months | 1.5 bonus Chase Ultimate Rewards points per dollar within 12 months on up to $20K of spending. | 60K points for spending $4,000 in 3 months | 60K points for spending $4,000 in 3 months | Earn 35K points when you spend $3,000 on purchases in first 3 months, and an additional 40K points when you spend $6,000 on purchases in the first 6 months | 75K points for spending $6,000 in 3 months. | 100K points for spending $8,000 in 3 months. |
| Annual Fee | $0 | $0 | $95 | $550 | $0 | $0 | $95 |
| Additional Cardholder Fee | $0 | $0 | $0 | $75 | $0 | $0 | $0 |
| Allows you to transfer Chase points from any card to airline miles | No | No | Yes | Yes | No | No | Yes |
| Annual Travel Credit (Airfare, hotels, car rentals, Uber, etc) | $0 | $0 | $0 | $300 | $0 | $0 | $0 |
| Annual Hotel Credit booked through Chase Travel | $0 | $0 | $50 | $0 | $0 | $0 | $0 |
| 10% Anniversary points bonus | No | No | Yes | No | No | No | No |
| $100 Global Entry/Pre-Check Fee Refund | None | None | None | Once every 4 years for Primary cardholder | None | None | None |
| Instacart Credit | $10 quarterly credit | $10 quarterly credit | $15 quarterly credit | $15 monthly credit | None | None | None |
| Instacart+ Membership | 3 free months | 3 free months | 6 free months | 12 free months | None | None | None |
| Doordash Credit | None | None | None | $5 monthly credit, stack up to $15 | None | None | None |
| Doordash Dashpass Membership | 3 free months | 3 free months | Free through 12/31/24 | Free through 12/31/24 | None | None | None |
| Priority Pass membership | None | None | None | Primary and secondary cardholders can bring 2 guests into a lounge | None | None | None |
| Value of points towards paid airfare, hotels, car rentals, cruises, and activities | 1 cent | 1 cent | 1.25 cents | 1.5 cents | 1 cent | 1 cent | 1.25 cents |
| Chase Pay Yourself Back | None | None | None | Redeem points at a value of 1.25 cents on rotating categories | None | None | None |
| Points earned on everyday spending | 1 per dollar | 1.5 per dollar | 1.1 per dollar | 1 per dollar | 1 per dollar | 1.5 per dollar | 1 per dollar |
| Points earned on travel (Airfare, hotels, car rentals, Uber, etc) | 1 per dollar (5 during bonus quarters) | 1.5 per dollar | 2.1 per dollar | 3 per dollar | 1 per dollar | 1.5 per dollar | 3 per dollar ($150K cap) |
| Points earned on air travel booked via Chase Travel | 5 per dollar | 5 per dollar | 5.1 per dollar | 5 per dollar | 1 per dollar | 1.5 per dollar | 3 per dollar ($150K cap) |
| Points earned on non-air travel booked via Chase Travel | 5 per dollar | 5 per dollar | 5.1 per dollar | 10 per dollar | 1 per dollar | 1.5 per dollar | 3 per dollar ($150K cap) |
| Points earned on dining | 3 per dollar | 3 per dollar | 3.1 per dollar | 3 per dollar | 2 per dollar ($25K cap on 2x categories) | 1.5 per dollar | 1 per dollar |
| Points earned on streaming | 1 per dollar (5 during bonus quarters) | 1.5 per dollar | 3.1 per dollar | 1 per dollar | 1 per dollar | 1.5 per dollar | 1 per dollar |
| Points earned on online grocery | 1 per dollar (5 during bonus quarters) | 1.5 per dollar | 3.1 per dollar | 1 per dollar | 1 per dollar | 1.5 per dollar | 1 per dollar |
| Points earned on advertising with social media sites and search engines | 1 per dollar | 1.5 per dollar | 1 per dollar | 1 per dollar | 1 per dollar | 1.5 per dollar | 3 per dollar ($150K cap) |
| Points earned on shipping | 1 per dollar | 1.5 per dollar | 1 per dollar | 1 per dollar | 1 per dollar | 1.5 per dollar | 3 per dollar ($150K cap) |
| Points earned on internet, cable and phone services | 1 per dollar | 1.5 per dollar | 1 per dollar | 1 per dollar | 5 per dollar ($25K cap on 5x categories) | 1.5 per dollar | 3 per dollar ($150K cap) |
| Points earned on office supply spending | 1 per dollar | 1.5 per dollar | 1 per dollar | 1 per dollar | 5 per dollar ($25K cap on 5x categories) | 1.5 per dollar | 1 per dollar |
| Points earned on drugstores | 3 per dollar | 3 per dollar | 1 per dollar | 1 per dollar | 1 per dollar | 1.5 per dollar | 1 per dollar |
| Points earned on $250+ Peloton purchases | 1 per dollar | 1.5 per dollar | 5 per dollar through 3/31/25 | 10 per dollar through 3/31/25 | 1 per dollar | 1.5 per dollar | 1 per dollar |
| Points earned on Lyft purchases | 5 per dollar through 3/31/25 | 5 per dollar through 3/31/25 | 5 per dollar through 3/31/25 | 10 per dollar through 3/31/25 | 5 per dollar through 3/31/25 | 5 per dollar through 3/31/25 | 5 per dollar through 3/31/25 |
| Points earned on gas stations | 1 per dollar (5 during bonus quarters) | 1.5 per dollar | 1 per dollar | 1 per dollar | 2 per dollar ($25K cap on 2x categories) | 1.5 per dollar | 1 per dollar |
| Points earned on rotating quarterly categories | 5 per dollar ($1,500 quarterly cap) | N/A | N/A | N/A | N/A | N/A | N/A |
| Intro APR | 0% intro APR on purchases and balance transfers within 15 months of account opening. After that, 20.49%–29.24% variable APR. | 0% intro APR on purchases and balance transfers within 15 months of account opening. After that, 20.49%–29.24% variable APR. | No | No | 0% intro APR on purchases within 12 months of account opening, with no negative effect on personal credit. After that, 18.49%–24.49% variable APR. | 0% intro APR on purchases within 12 months of account opening, with no negative effect on personal credit. After that, 18.49%–24.49% variable APR. | No |
| Foreign transaction fee | 3% | 3% | 0% | 0% | 3% | 3% | 0% |
| Cell Phone Damage and Theft Protection | $800 of coverage with a $50 deductible. | None | None | None | None | None | $600 of coverage with a $100 deductible. |
| US Car Rental CDW Coverage | Secondary | Secondary | Primary | Primary | Primary on rentals primarily for a business purpose, secondary on rentals for personal reasons | Primary on rentals primarily for a business purpose, secondary on rentals for personal reasons | Primary on rentals primarily for a business purpose, secondary on rentals for personal reasons |
| Worldwide Car Rental CDW Coverage | Primary | Primary | Primary | Primary | Primary | Primary | Primary |
| Roadside Assistance | Available for a $59.95 charge | Available for a $59.95 charge | Available for a $59.95 charge | Free battery boost, flat tire service, 2 gallons of fuel delivery, towing, or lockout assistance | Available for a $59.95 charge | Available for a $59.95 charge | Available for a $59.95 charge |
| Purchase Protection for items damaged or stolen within 120 days | $500 per item | $500 per item | $500 per item | $10,000 per item | $10,000 per item | $10,000 per item | $10,000 per item |
| Extended Warranty Protection | 1 extra year for items up to $10,000 | 1 extra year for items up to $10,000 | 1 extra year for items up to $10,000 | 1 extra year for items up to $10,000 | 1 extra year for items up to $10,000 | 1 extra year for items up to $10,000 | 1 extra year for items up to $10,000 |
| Trip Cancellation/Trip Interruption Insurance | $1,500 per person, up to $6,000 per trip with multiple travelers | $1,500 per person, up to $6,000 per trip with multiple travelers | $10,000 per trip or $20,000 per trip with multiple travelers | $10,000 per trip or $20,000 per trip with multiple travelers | None | None | $5,000 per trip or $10,000 per trip with multiple travelers |
| Return Protection | None | None | None | $500/item up to $1,000/year | None | None | None |
| Trip Delay Reimbursement | None | None | $500 per person for reasonable expenses (Hotel, food, toiletries, medicine, etc) required for delays more than 12 hours. | $500 per person for reasonable expenses (Hotel, food, toiletries, medicine, etc) required for delays more than 6 hours. | None | None | $500 per person for reasonable expenses (Hotel, food, toiletries, medicine, etc) required for delays more than 12 hours. |
| Lost Luggage Insurance | None | None | $3,000 per person per trip (limit of $500 per person for jewelry, watches, electronics) | $3,000 per person per trip (limit of $500 per person for jewelry, watches, electronics) | $3,000 per person per trip (limit of $500 per person for jewelry, watches, electronics) | $3,000 per person per trip (limit of $500 per person for jewelry, watches, electronics) | $3,000 per person per trip (limit of $500 per person for jewelry, watches, electronics) |
| Baggage Delay Reimbursement | None | None | $100 per day per person (max of 5 days) for essential items needed (Clothing, toiletries, charger, etc) for delays more than 6 hours. | $100 per day per person (max of 5 days) for essential items needed (Clothing, toiletries, charger, etc) for delays more than 6 hours. | $100 per day per person (max of 3 days) for essential items needed (Clothing, toiletries, charger, etc) for delays more than 6 hours. | $100 per day per person (max of 3 days) for essential items needed (Clothing, toiletries, charger, etc) for delays more than 6 hours. | $100 per day per person (max of 5 days) for essential items needed (Clothing, toiletries, charger, etc) for delays more than 6 hours. |
| Travel Accident Insurance | None | None | $500,000 per person | $1,000,000 per person | $500,000 per person | $500,000 per person | $500,000 per person |
| Visa Savings Edge Rebates | No | No | No | No | Yes | Yes | Yes |
| Emergency Evacuation and Transportation due to injury or illness on a trip | None | None | None | $100,000 for trips between 5-60 days, more than 100 miles from your home | None | None | None |
| Repatriation of Remains Insurance | None | None | None | $1,000 for a coffin and to return your body to your home country if you die on a vacation | None | None | None |
| Emergency Medical and Dental Benefit | None | None | None | $2,500 for medical expenses on trips between 5-60 days, more than 100 miles from your home | None | None | None |
| Subject to 5/24 rules | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Adds to 5/24 count | Yes | Yes | Yes | Yes | No | No | No |
| Download Guide of Benefits | Freedom Flex Link | Link | Link | Link | Link | Link | Link |
Killer Combos:
Stacking multiple Ultimate Rewards cards together can supercharge your earnings by getting you more points per dollar while increasing the value of all your points.
Read more about this strategy in depth in this post.
A Chase Bifecta would consist of a household that has the Sapphire Preferred or Sapphire Reserve and the Ink Business Unlimited® Credit Card. The total effective annual fees would be either $95 with Sapphire Preferred or $250 with Sapphire Reserve after accounting for that card’s $300 annual travel credit. With the Sapphire Preferred+Ink Unlimited you would earn 1.5 points per dollar everywhere, 2.1 points per dollar on all travel after the Sapphire Preferred annual bonus, 3 points per dollar on drugstores, 3.1 points per dollar on dining, streaming, and online grocery shopping after the Sapphire Preferred annual bonus, and 5.1 points per dollar on travel booked via Chase after the Sapphire Preferred annual bonus. You’ll be able to transfer all of your points into airline miles or hotel points.
A Chase Trifecta adds a no annual fee card like the Ink Business Cash® Credit Card or Chase Freedom Flex into the mix, so your total effective annual fee will still be $95 or $250. Both of those cards give options to earn a whopping 5 points per dollar in various categories on top of the 2-3 points per dollar that the Sapphire cards offer and the 1.5-5 points per dollar everywhere else with a Freedom Unlimited card. Read more about Freedom Flex here and read more about Ink Cash here.
A Chase Quadfecta would add both the Ink Cash and Chase Freedom Flex on top of a Sapphire card and an Unlimited card, so your total effective annual fee will still be just $95 or $250. The Quadfecta is the sweet spot and allows you to really supercharge your spending everywhere.
A Chase Quinfecta could add the Ink Preferred to that mix, adding $95 to the annual fee total. This make sense if you spend money on shipping, social media advertising, or search engine advertising, or if you want free cell phone insurance.
Again, all of these cards don’t need to be in one person’s name. 2 people from the same household can split up the requisite cards that make up the Quinfecta, as they can transfer the Ultimate Rewards points back and forth between themselves freely and they can add each other as an authorized user on their cards!
Airline transfer partners:
Combined with a Sapphire card, you can transfer points at a 1:1 ratio to:
- United (Star Alliance)
- Air Canada Aeroplan (Star Alliance)
- Singapore (Star Alliance)
- Air France/KLM Flying Blue
- British Airways (OneWorld)
- Aer Lingus (OneWorld)
- Iberia (OneWorld)
- Qatar (OneWorld, transfer via BA)
- Emirates
- JetBlue
- Southwest
- Virgin Atlantic
Hotel transfer partners:
Combined with a Sapphire card, you can transfer points at a 1:1 ratio to:
- Hyatt
- IHG
- Marriott
- You can also transfer to Hilton at a 1:1.5 ratio by transferring via Virgin Atlantic.
The great thing about Chase Ultimate Rewards is how versatile and valuable they are:
The Ink Preferred Card and Sapphire Preferred cards allow you and anyone in your household to transfer Chase points into miles. They also allow you to use points at a value of 1.25 cents each towards travel.
The Sapphire Reserve also allows you and anyone in your household to transfer Chase points into miles. Plus it allows you to use points at a value of 1.5 cents each towards travel.
The fixed value is excellent and doesn’t require hunting down award space, but those points can be much more valuable by transferring them into airline miles or hotel points. You can get a value of 2 cents or much more when redeeming miles!
The fixed value is excellent and doesn’t require hunting down award space, but those points can be much more valuable by transferring them into airline miles or hotel points. They can easily be worth 2 cents each or much more than that!
- If I want to stay in a 5 star Park Hyatt in the Maldives, Melbourne, NYC, Paris, Sydney, or Tokyo that would cost over $1,000/night, I can instantly transfer 25-40K points to Hyatt to do that, a value of up to 6 cents per point.
- If I need a one-way flight from Cleveland (or Chicago, Detroit, Miami, Montreal, Orlando, Pittsburgh, Toronto, etc) to NYC that can cost $500 each way, I can instantly transfer 7.5K points to British Airways to book a short-haul on American with no last minute booking fees. Or if American doesn’t have availability I can instantly transfer 10K points to United for their short-haul award. That’s a value of up to 7 cents per point.
- Air Canada offers one-way short haul awards for just 6K miles. You can also get stopover awards for 5K miles, build round-the-world awards, and get free lap child awards in the US/Canada and bring lap children to anywhere else in the world for just C$25!
- If I want to stay in a non-chain hotel that costs $300/night and don’t want to pay cash, I can redeem 20K points for the room thanks to my Sapphire Reserve card’s minimum redemption value of 1.5 cents per point or 24K points with the Chase Sapphire Preferred® Card ’s minimum redemption value of 1.25 cents per point
- Flying Blue has award flights to Israel for 25K miles for adults or 18,750 miles for kids.
- If I want to fly in a $25,000 ANA First Class Suite round-trip from the US to Tokyo, I can instantly transfer 145K or 160K points to Virgin Atlantic. That’s a value of up to 23 cents per point. You can now redeem one-way awards for half the price as well!
- If I want to book a $2,281 business class ticket on Air Canada to Tel Aviv I can redeem 152K points for the flight thanks to my Sapphire Reserve card’s minimum redemption value of 1.5 cents per point or 182K points with the Chase Sapphire Preferred® Card ’s minimum redemption value of 1.25 cents per point, plus I’ll earn Qantas miles for more future travel as it’s considered a paid flight instead of an award flight.
- And thousands of other possibilities from Singapore couples suites to booking Southwest awards with 2 free bags and free cancellations, to stealing 2nd base in middle of an MLB game.
Will you signup for the Chase Freedom Unlimited?
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