Chase Freedom Unlimited
- Annual fee
- None
- Earns
- Chase Ultimate Rewards points
- Point value
- 2.05 CPP
- Credits a year
- Up to $390
Welcome offer
Earn 20,000 Chase Ultimate Rewards points after you spend $500 in 3 months
≈ $410 at 2.05 CPP
Earning rates
| Category | Earns | Return |
|---|---|---|
| Travel booked through Chase Travel | 5x | 10.25% |
| Dining | 3x | 6.15% |
| Travel | 1.5x | 3.07% |
| Groceries | 1.5x | 3.07% |
| Gas | 1.5x | 3.07% |
| Everything else | 1.5x | 3.07% |
Return is what each $1 of spend is worth with points valued at 2.05 CPP.
Credits and benefits
- DashPass Membership$10 a month
- DashPass Non-Restaurant Credit$10 a month
- Instacart+ Membership (3 months, ~$30 value)$30 a calendar year
- Instacart Credit$10 a month
Up to $390 a year if you use every credit. Track them in the benefits tracker
Transfer partners for Chase Ultimate Rewards points
| Partner | Ratio | Transfer time |
|---|---|---|
| Aer Lingus | 1:1 | Almost Instant |
| Air Canada Aeroplan | 1:1 | Almost Instant |
| British Airways | 1:1 | Almost Instant |
| Flying Blue AIR FRANCE KLM | 1:1 | 1 hour |
| Hyatt | 4:3 | Almost Instant |
| Iberia | 1:1 | Almost Instant |
| IHG | 1:1 | 1 day |
| JetBlue | 1:1 | Almost Instant |
| Marriott Bonvoy | 1:1 | 2 days |
| Singapore Airlines | 1:1 | 1-2 Days |
| Southwest Airlines | 1:1 | Almost Instant |
| United Airlines | 1:1 | Almost Instant |
| Virgin Atlantic | 1:1 | Almost Instant |
| Wyndham Rewards | 1:1 | 7 days |
Application rules
Subject to Chase 5/24
Chase won't approve it if you've opened 5 or more personal cards from any bank in the last 24 months.
Counts toward 5/24
Opening it takes one of your Chase 5/24 slots.
24 month rule
You can't get the Freedom Unlimited while you have it open, and you won't get its welcome bonus if you received one on this card in the last 24 months.
2 in 30 velocity
Chase usually approves no more than two personal cards in a 30-day period.
Product changes
- Upgrade to Sapphire Preferred · You keep your points and can transfer them to airline and hotel partners, for a $95 fee.
- Upgrade to Sapphire Reserve · You keep your points and get the Reserve's benefits for a $795 fee. It's a Visa Infinite card, so Chase may need your credit limit to be at least $10,000.
- Downgrade to Freedom Flex · You keep your points and switch to quarterly 5% categories instead of a flat 1.5%.
- Downgrade to Chase Freedom · You keep your points and switch to the original Freedom, which is closed to new applicants.
About the Chase Freedom Unlimited
The Chase Freedom Unlimited is a personal Visa card from Chase with no annual fee that earns Chase Ultimate Rewards points. It earns 5x on travel booked through Chase Travel, 3x on dining and 1.5x on everything else. The current welcome offer: earn 20,000 Chase Ultimate Rewards points after you spend $500 in 3 months. It comes with 4 statement credits worth up to $390 a year if you use them all. Points transfer to 14 airline and hotel partners, including Aer Lingus, Air Canada Aeroplan and British Airways. AwardHack values Chase Ultimate Rewards points at 2.05 CPP.
Frequently asked questions
What is the Chase Freedom Unlimited annual fee?
The Chase Freedom Unlimited has no annual fee.
What is the Chase Freedom Unlimited welcome bonus?
Earn 20,000 Chase Ultimate Rewards points after you spend $500 in 3 months. AwardHack values that at about $410.
Does the Chase Freedom Unlimited include airport lounge access?
No, the Chase Freedom Unlimited doesn't include airport lounge access.
Does the Chase Freedom Unlimited count toward Chase 5/24?
Chase won't approve it if you've opened 5 or more personal cards from any bank in the last 24 months. Opening it counts as one of your 5/24 slots.
Where can I transfer Chase Ultimate Rewards points?
To 14 partners: Aer Lingus (1:1), Air Canada Aeroplan (1:1), British Airways (1:1), Flying Blue AIR FRANCE KLM (1:1), Hyatt (4:3), Iberia (1:1), IHG (1:1), JetBlue (1:1), Marriott Bonvoy (1:1), Singapore Airlines (1:1), Southwest Airlines (1:1), United Airlines (1:1), Virgin Atlantic (1:1) and Wyndham Rewards (1:1).
Similar cards
Offers, fees and benefits change often. Check the issuer's site before you apply. AwardHack may earn a referral bonus if you apply through the Apply link.