Chase Freedom Unlimited review: Full details

Year by year lessons Chase FreedomUnlimited® Perfect for beginners and advanced award travelers. Many cards offer 1% purchases on purchases outside of the bonus category, but you can earn 1.5% on unlimited Bonus spending of free. You can also pair this with a card that earns Premium Chase Ultimate Rewards points and convert rewards into fully transferred points. Card Rating*: ⭐⭐⭐

*Card rating It is based on the opinions of TPG editors and is not influenced by the card issuer.

At first glance, Chase Freedom Unlimited may look like a tame cashback card. But there’s more to it than eye contact.

It’s a great card for beginners as there is no annual fee and a simple income structure. Credit score At least 670. It is also a great card pairing for such more premium options Chase SapphirePreferred® Card and Chase Sapphire Reserve®It will be a valuable addition to many larger card portfolios.

Find out what’s so great about this card and whether it deserves a spot in your wallet.

new Chase Freedom Unlimited Cardholders can earn $250 in cashback after spending $500 in three months.

This isn’t the case though Best welcome offer With Freedom Unlimited, it’s easier than winning the regular offer (up to $20,000 in your first year) from a new cardholder who earned 1.5% cashback on every purchase.

That offer is worth a cashback of up to $300, but the current offer offers cashback immediately after meeting minimum spending requirements.

And if you have a card to earn, it’s even more valuable Track the ultimate reward This means that you can transfer points, or caches, to points, and move them to one of Chase’s transfer partners.

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This is a chase card, so don’t forget that it’s eligible Chase’s 5/24 rule.

Related: The best time to apply for these chase cards based on your offer history

The trade-off for cards with no annual fees is that they tend to have fewer perks than they do. More Premium Counterparts. nevertheless, Unlimited freedom There are some great features worth highlighting:

• Car Rental Protection: Following personal insurance in the US, there are car rental insurance covering theft and collision damage rebates
• Travel Cancellation and Discontinued Insurance: If severe weather, illness, or other covered circumstances lead to cancellation or suspension of your travel plan, it will be covered by up to $1,500 per person and up to $6,000 per trip for eligible travel expenses.
• Extended Warranty Protection: The original qualifying warranty of less than 3 years can be extended by an additional year.
• Purchase Protection: Purchases are protected from theft and damage for 120 days from the date of purchase, up to $500 per item.

If you don’t have another card that’s more robust Travel insurance and Shopping protectionThis is the compensation amount for cards with no annual fees.

Related: Why Chase Freedom Unlimited will be the first card in every student’s wallet

in Unlimited freedomnormally earn:

• 5% back on booked trips A chased trip℠
• 3% back on dining (Includes takeout and eligible delivery services)
• Return to the drugstore and 3%
• 1.5% return to all other purchases

While none of the bonus categories are show stoppers, it’s rare to find a card with a bonus category and find a flat rate above 1% for every additional purchase. The bonus category is great, but this card shines thanks to its ability to increase by 50% on Bonus Nonbonus spending.

If you’re looking for a card that earns over 1% on Bonus Nonbonus spending, this is a great choice.

Related: The best card to pair with Freedom Unlimited

You can redeem the cashback you earned Unlimited freedom A savings account per point, as a statement credit or as a direct deposit to most US checking and savings accounts. You can also redeem gift card rewards or use them to book a trip with Chay Travel for the same value.

And if you have the rights Card PairingTurn your rewards into the ultimate reward points for transferable chase, and even more valuable chase’s valuable transfer partners.

Related: Are travel rewards new? This is the perfect beginner card combo

On its own, Unlimited freedom It is a true cashback card and cannot be transferred to your travel partner.

However, if you have it too Chase Sapphire Priority Card, Chase Sapphire Reserve or Ink BusinessPreferred® Credit Cardyou can Combine your rewards Unlock the full list of Chase Hotel and airline partners.

TPG staff especially love the option to transfer our Chase ultimate rewards The Hyatt World.

Some of us, like the senior content director at TPG. Summer hullprefer to book using these rewards High-end Hyatt Otherwise it may be out of budget. Alternatively, other staff would prefer to increase our rewards by using them to do a great job Hyatt Category 1 Properties.

In addition to World of Hyatt, other transfer partners from Chase include valuable options United Airlines Mileage Plus, British Airways Executive Club and Krisflyer from Singapore Airlines. No matter your travel style or preference, you’ll find great options with Chase transfer partners.

Related: How to redeem Chase Altimate Rewards for maximum value

If you want to focus, one option might be better Earn cashback rewards. Like Unlimited freedomthey earn cashback rewards and don’t earn annual fees.

• If you want to earn 5% in the spin category: ChaseFreedomFlex® After being active, earn 5% for up to $1,500 in total purchases in the quarterly bonus category. Like Freedom Unlimited, you will earn rewards that allow you to transfer to your Chase partner with the appropriate card pairing. For more information, please see Complete review of Chase Freedom Flex.
• If you want to earn 3% in different categories: American Express Blue Cash Everyday® Card Earn 3% cashback on US supermarkets, US online retail purchases, US gas stations (up to $6,000 for each category per calendar year, then 1%) and 1% other purchases. Cashback is received as a statement credit or in the form of reward dollars that can be redeemed at Amazon.com checkout. For more information, please see A complete review of Amex Blue Cash every day.
• If you want to make more money from Bonus Nonbonus spending: City Double Cash® Card (look Fees and fees) Earn 2% on all purchases (1% when you buy, 1% when you pay). For more information, please see City Double Cash Full Review.

See the list of additional options Best cashback card and Best card with no annual fee.

Related: Chase Freedom Flex vs. Chase Freedom Unlimited

Since Unlimited freedom There is no annual fee. You can feel great in earning rewards without justifying the amount you pay to maintain each year. If you already have a Chase Ultimate Rewards Points Points Card, you can maximize your chances of earning rewards. However, if you’re focusing solely on cashback rewards, you’re probably going to High profitability card.

Related: How to choose a cashback credit card

Chase Freedom Unlimited A great card for Daily non-Bonus spending And when paired with a more premium chase card, it can offer incredible value. Whether you’re a beginner or pro looking for complementary cards to add to your portfolio, Freedom Unlimited is a great choice.

Apply here: Chase Freedom Unlimited

Related: The Power of Chase Trifecta: Sapphire Reserve, Ink Preferred, and Freedom Unlimited