The Chase Freedom Unlimited Card remains one of Chase’s best card offerings, earning Chase Ultimate Rewards® with no annual fee. Freedom Unlimited is a great way to enter the world of Chase Points, and it comes with a host of other valuable benefits – the card offers some of the best value cards with no annual fee. Check out these Chase Freedom Unlimited card deals.
Chase Freedom Unlimited Welcome Offer
Those who get the shiny new Chase Freedom Unlimited Card can earn a 1.5% cash back bonus when they spend up to $20,000 in their first year as a cardholder – that’s up to $300 a year in cash back in the first year. Note that Chase sometimes offers different welcome bonuses through different channels, so be sure to check which one works best for you.
Remember, the welcome offer is only available to those who don’t already have a Freedom Unlimited card or who haven’t earned the same new card membership rewards in the past 24 months. Chase’s 5/24 rule also generally prohibits approval for those who have opened too many new personal card accounts with any issuer in the past 24 months.
0% introductory APR
Cardholders can also enjoy an introductory APR of 0% on purchases and fund transfers for the first 15 months of account opening, after which a variable APR of 16.49% – 25.24% applies.
If you plan to use Chase Freedom Unlimited for purchases or to transfer your balance from another card, make sure you have a plan to repay the balance before the end of the APR induction period to avoid interest. Those seeking balance transfers should calculate the cost of doing so to ensure the transfer makes sense.
No annual fee
Many Chase cards have high annual fees, some as low as $49 and some as high as $550. The benefits included in these cards may make them worth the money, but the Freedom Unlimited card has no annual fee and it’s a great option for those who don’t want to worry about the rewards they get or the value of the card benefits they get selection received. Re-entitlements will offset the cost of the annual fee.
Chase Liberty Unlimited Yield Cash Back
Chase Freedom Unlimited® cardmembers receive 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back at eligible restaurants and pharmacies, and 1.5% on all other purchases.
For example, if you spend $200 at a restaurant, you’ll earn 3% of your total purchase or 600 Chase Ultimate Rewards points – redeemable for $6 in cash.
Chase Travel Portal
When redeeming points at Chase Travel, the point value in U.S. dollars is converted in a similar fashion: 1 point is worth 1 cent. So finding a $300 flight in a travel portal would require 30,000 points.
Chase Travel Portal offers more than just flights – cardholders can also book hotel stays, car rentals, and activities like golf and cruises. Cardholders can book travel with points through the online portal or by calling the number on the back of the card.
Cash back earnings can also be redeemed for cash, store credit, gift cards, and products or services offered in the Ultimate Rewards program. Even Amazon shoppers can redeem their Freedom Unlimited card for cash back after linking it to their Amazon account. Please note that not all redemption methods are created equal; the value of points changes when redeemed. Purchase points may not be as valuable as cash, and cash and cash may not be as valuable as travel exchanges.
Transfer points to another chase card
Cardholders with another Chase Ultimate Rewards Trading Card can transfer points between the other cards. It’s an attractive option for those looking to get the most bang for their buck, especially since some cards offer more redemption.
Not only can you earn points with the Freedom Unlimited card, but you can also add to its value by transferring it to a card like the Chase Sapphire Preferred® Card, where points are worth 1.25 cents on the Chase Travel Portal. That means a $300 flight that would have cost 30,000 points via the Unlimited Freedom card now costs just 24,000 points. Chase Sapphire Reserve cardholders receive 1.5 cents in value per point.
More valuable benefits
In addition to great rewards, especially for cards with no annual fee, the Chase Freedom Unlimited® Card offers an impressive array of benefits.
Safeguards Related to Procurement
The Chase Freedom Unlimited® Card provides damage or theft protection for up to $500 per claim within the first 120 days of purchase. Cardholders are also eligible for Extended Warranty Protection, which extends the eligible manufacturer’s warranty for an additional year.
Travel protection and comprehensive insurance
Cardholders paying for travel with the Chase Freedom Unlimited® Card may benefit from Trip Cancellation/Interruption Insurance if eligible travel is canceled or shortened due to illness, severe weather or other eligible circumstances.
Cardholders may also be eligible for second auto theft and collision damage coverage when they use the Freedom Unlimited card to pay the full cost of their car rental and waive the rental company’s collision insurance.
Like many other major credit cards, the Chase Freedom Unlimited® Card offers card service and convenience benefits, including 24/7 fraud protection, fraud alerts, and zero liability protection. Remember to report fraudulent charges immediately to cover unauthorized purchases. Fraud alerts will notify you of any unusual activity, and you should respond promptly.
The Chase Freedom Unlimited® Card is the ideal everyday card for those looking to earn cash back or attractive welcome offers. The card also offers the ability to fund larger purchases or make balance transfers at a lower introductory APR, and includes some additional travel and shopping perks.
Cardholders with an eligible Chase Ultimate Rewards trading card can also earn points by transferring Freedom Unlimited points to cards with higher redemption rates such as the Chase Sapphire Preferred® Card, Chase Sapphire Reserve® and Ink Business Preferred More Points Value® Credit Card.
Those looking to maximize rewards in the Chase system should consider pairing two Chase cards for maximum reward rewards for as many spends as possible. Remember, your credit card account must be in good standing to be eligible for all benefits.