7 Reasons We Like the Chase Freedom Unlimited Card
The Chase Freedom Unlimited® card was one of my very first credit cards, and it still holds a valuable spot in my wallet today. It offers a $150 bonus (15,000 Chase Ultimate Rewards points) after spending $500 on purchases in the first 3 months of account opening.
And you don’t have to worry about keeping track of bonus spending categories, because with the Chase Freedom Unlimited, you’ll earn 1.5% cash back (1.5X Chase Ultimate Rewards points per $1) on every purchase with no limits!
Here are the top reasons I love the Chase Freedom Unlimited.
7 Reasons the Chase Freedom Unlimited Is One of my Go-To Cards
Apply Here: Chase Freedom Unlimited Card
1. Low Minimum Spend for Sign-Up Bonus
The Chase Freedom Unlimited offers a solid sign-up bonus that has stayed pretty consistent throughout the years. After spending $500 on purchases in the first 3 months from account opening, you’ll earn a $150 bonus (15,000 Chase Ultimate Rewards points).
While this bonus isn’t as high as some other Chase Ultimate Rewards cards, like the Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred, the small minimum spending requirement makes the Freedom Unlimited accessible to lots of folks.
2. Bonus Points for Adding an Authorized User
You will earn an additional $25 cash back (2,500 Chase Ultimate Rewards points) by making your first purchase and adding an authorized user to your account within the first 3 months of account opening. That’s a super easy way to earn more rewards!
But be certain the person you are adding is trustworthy, because you’ll be responsible for any purchases they make.
3. No Annual Fee
This is a big reason this card has remained in my wallet over the years – there is no annual fee! So you can keep it forever for free!
Keeping a card like the Freedom Unlimited open over time will also help increase your credit score. Part of your score is based on length of your credit history so keeping some cards open long term is a smart idea.
4. Earn Lots of Chase Ultimate Rewards Points
The Chase Freedom Unlimited card earns 1.5% cash back (1.5X Chase Ultimate Rewards points per $1) on all purchases. There are no special categories and no limit to the number of points you can earn.
You can redeem your Chase Ultimate Rewards points for cash back or for paid travel through the Chase Ultimate Rewards Travel Portal at a rate of 1 cent per point. So 1,000 Chase Ultimate Rewards points, for example, are worth $10 in cash back or travel.
But read on for a way to make the points you earn from the Chase Freedom Unlimited worth even more!
5. Access the Chase Ultimate Rewards Travel Portal (No Blackout Dates!)
You can use the points earned from this card for flights, hotels, rental cars, and more through the Chase Ultimate Rewards Travel Portal. And you can pay fully or partially with points!
How cool is it that you can earn free travel just by using the right credit card for your everyday purchases?
6. Pair With a Premium Card for Even Better Deals
If you also have an annual-fee Chase card like the Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred, you can combine your points to those cards to make them even more valuable!
These cards have a higher redemption rate for booking travel through the Chase Ultimate Rewards Travel Portal, so they can help make your points go further.
When booking travel through the online portal, your points will be worth 25% to 50% more after you transfer them to a premium card:
- Chase Sapphire Preferred: 1.25 cents per point
- Chase Sapphire Reserve: 1.5 cents per point
- Chase Ink Business Preferred: 1.25 cents per point
When you have one of these premium cards, you will also have the ability to transfer your points to any of Chase’s airline and hotel partners. Transferring your points to travel partners can get you even more value, especially when you redeem them for otherwise-pricey award flights or hotel stays.
Once you combine your points with an annual-fee Chase Ultimate Rewards card, you can transfer them to:
- Aer Lingus
- British Airways
- Flying Blue (Air France / KLM)
- Korean Air
- Singapore Airlines
- United Airlines
- Virgin Atlantic
- Ritz Carlton
7. It’s a Great Card for Beginners
Here at Million Mile Secrets we like Big Travel with Small Money, but we also like to keep things simple! I personally think Chase points are the easiest type of points to use, and I recommend starting with them if you are just getting into our hobby (that’s what I started with!).
Our favorite card for beginners is the Chase Sapphire Preferred. And the Freedom Unlimited isn’t too far behind! Especially if you’re looking to supercharge your Chase Ultimate Rewards points earning with the Chase trifecta.
The Freedom Unlimited earns 1.5X points per $1 on all purchases, so there aren’t any special categories to remember. You have the option to redeem your points for cash back, or you can use your points towards travel in the online portal. It doesn’t get much simpler than that!
If you are just getting started in the miles and points world, another reason to consider the Freedom Unlimited early on is Chase’s “5/24” rule. If you have opened 5 or more cards in the last 24 months (not counting Chase small business cards and certain other business cards), it’s unlikely you’ll be approved for most Chase cards, including the Freedom Unlimited.
Because Chase has some of the best travel credit cards, it’s smart to start with those so you don’t get shut out because of 5/24.
The Chase Freedom Unlimited is great for beginners and seasoned miles and points experts alike. Many of us on the Million Mile Secrets team have this card in our wallets!
It’s a simple card to use, but it has huge earning potential. With the Chase Freedom Unlimited, you can earn a $150 cash back bonus (15,000 Chase Ultimate Rewards points) after spending $500 on purchases in your first 3 months from account opening. And there’s no annual fee, which makes it free to keep forever and potentially increase your credit score.
If you’d rather not keep track of category bonuses, the Freedom Unlimited is a terrific choice. You’ll earn 1.5% cash back (1.5X Chase Ultimate Rewards points per $1) on all purchases with no limit.
Apply Here: Chase Freedom Unlimited Card