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Chase Freedom Unlimited Card Benefits You Can Use – Forbes Advisor

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The Chase Freedom Unlimited® Card remains one of Chase’s best no-annual-fee card offers for earning Chase Ultimate Rewards®. A great way to enter the world of Chase Points, the Freedom Unlimited also offers a stack of other valuable perks – the card offers one of the best values ​​in a card with no annual fee available. Check out these benefits of the Chase Freedom Unlimited Card.

Chase Freedom Unlimited Welcome Offer

Those who receive a shiny new Chase Freedom Unlimited card can earn 1.5% cash back bonus on everything they buy in the first year as a cardholder up to $20,000 in spend, which represents up to $300 cash back in the first year. Note that Chase sometimes offers different welcome bonuses through different channels, so be sure to check which one suits you best.

Keep in mind that the welcome offer is only available to people who do not already own the Freedom Unlimited card or who have not earned the same new cardholder bonus in the last 24 months. Chase’s 5/24 rules also generally prohibit those who have opened too many new personal card accounts with an issuer in the past 24 months from receiving an approval.

0% intro APR

Cardholders can also enjoy an introductory APR of 0% for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49% – 25.24 % applies.

If you plan to fund a purchase or transfer a balance from another card using Chase Freedom Unlimited, make sure you have a plan to pay off the balance before the end of the APR introductory period so to avoid accumulating interest. Those looking for a balance transfer should calculate the cost to ensure a transfer makes sense.

No annual fee

Many Chase cards charge high annual fees and while some are as low as $49, others go as high as $550. The benefits of these cards may make them worthwhile, but the Freedom Unlimited card charges no annual fee, making it a great choice for those who don’t want to worry about the rewards they earn or the value of the benefits they get. ‘they’ benefit will offset the cost of the annual membership fee.

Chase Freedom Unlimited Cash Back Earning Rates

Chase Freedom Unlimited® cardholders earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on qualifying restaurants and pharmacies, and 1.5% on all other purchases.

For example, if you spend $200 at a restaurant, you’ll get 3% of your total purchase back or 600 Chase Ultimate Rewards points, redeemable for $6 in cash back.

Rewards earned with Freedom Unlimited do not expire and there is no minimum to redeem for cash back. Every dollar earned can be redeemed through Chase’s Ultimate Rewards program to pay for travel or purchase eligible products or services.

Cardholders receive points at the end of each monthly billing cycle and are totaled less any returns or refunds. Keep in mind that only purchases of eligible products and services earn points. Other transactions, including balance transfers, cash advances, or interest payments, are not eligible to earn cash back.

Redeem Points with Chase Freedom Unlimited

A significant benefit to earning rewards with the Chase Freedom Unlimited® card is access to the Chase Ultimate Rewards program provided by the card. We often recommend pairing Chase Freedom Unlimited with another Ultimate Rewards winning card to maximize reward potential within the Chase Rewards System.

Chase travel portal

When redeeming points for purchases with Chase Travel, the dollar value of points uses a similar conversion: one point is worth one penny. So a $300 flight found in the travel portal would require 30,000 points.

The Chase travel portal offers more than flights – cardholders can also book hotel stays, car rentals and activities such as golf or cruises. Cardholders can book travel using 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, statement credit, gift cards and products or services available in the Ultimate Rewards program. Even Amazon shoppers can redeem cash back on purchases after linking a Freedom Unlimited card to an Amazon account. Please note that not all refund methods are the same; the value of a point changes with its redemption. Redeeming points for purchases may not have the same value as cash and cash may not have the same value as a travel redemption.

Transferring Points to Another Chase Card

Cardholders with another Chase Ultimate Rewards card can transfer points to and from the other card. This is an attractive option for those looking to maximize rewards, especially since some cards offer high redemptions.

Not only can you earn points with the Freedom Unlimited card, but you can also increase their value by transferring them to a card like the Chase Sapphire Preferred® card where a point is worth 1.25 cents on the Chase Travel Portal. This means that the $300 flight requiring 30,000 points via the Unlimited Freedom card will now only require 24,000 points. Those with the Chase Sapphire Reserve card can achieve a value of 1.5 cents per point.

Other Valuable Benefits

In addition to its lucrative rewards, especially for a card with no annual fee, the Chase Freedom Unlimited® Card offers an impressive amount of benefits.

Protections related to purchases

The Chase Freedom Unlimited® Card provides purchase protection against damage or theft of up to $500 per claim for the first 120 days of purchase. Cardholders are also eligible for extended warranty protections to extend the eligible manufacturer’s warranty by one year.

Travel Protection and Collision Damage Waiver

Cardholders paying for trips with the Chase Freedom Unlimited® Card are eligible for Trip Cancellation/Interruption Insurance when an eligible trip is canceled or cut short due to illness, extreme weather, or other circumstances. eligible.

If cardholders use the Freedom Unlimited card to cover the full cost of a car rental and waive the rental company’s collision damage waiver, they may also be eligible for secondary theft and collision damage.

Card services

Like many other major credit cards, the Chase Freedom Unlimited® Card includes convenient card services and benefits, including 24/7 fraud protection, fraud alerts and liability protection zero. Remember to report fraudulent charges immediately to be covered for unauthorized purchases. Fraud alerts will notify you of any unusual activity and you should respond to them promptly.


The Chase Freedom Unlimited® Card can be an ideal everyday card for those looking to earn money or an attractive welcome offer. The card also offers the ability to fund large purchases or perform a balance transfer with a low introductory APR and includes several additional travel and shopping benefits.

Cardholders with an eligible Chase Ultimate Rewards card can also earn more value for their points by transferring earned points from Freedom Unlimited to a card with a better redemption rate, such as the Chase Sapphire Preferred® card, Chase Sapphire Reserve® and Ink Business Preferred. ® Credit card.

Those looking to maximize rewards within the Chase system should consider pairing two Chase cards to earn the most bonus rewards on as many spends as possible. Remember, your credit card account must be in good standing to be eligible for all benefits.