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Home » Chase Freedom Unlimited®: An essential 1.5% everywhere card

Chase Freedom Unlimited®: An essential 1.5% everywhere card

Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.

Chase Freedom Unlimited card art
Chase Freedom Unlimited®

The Chase Freedom Unlimited® offers cardmembers 1.5% rewards on all purchases. It is the essential “everywhere else card” in the Chase Ultimate Rewards® ecosystem.

Although the Chase Freedom Unlimited® is marketed as a “1.5% everywhere” card, it offers plenty of bonus spending categories. You get 5% on travel purchased through Chase Travel℠, 3% on dining at restaurants including eligible takeout and delivery, and 3% on drugstore purchases. Although rewards are marketed as cash back, the card earns Chase Ultimate Rewards® points behind the scenes, which can be transferred to a premium Ultimate Rewards® card and redeemed for greater value.

For a card with no annual fee, the Chase Freedom Unlimited® comes with a healthy set of benefits, including purchase protection, extended warranty, secondary auto rental collision damage waiver insurance, and trip cancellation/interruption insurance.

Chase Freedom Unlimited® Welcome bonuses

Before you apply through the links below, be sure to see our coverage of the best welcome bonus on this card. There may be a better offer in-branch.

Our take on the welcome bonuses: The $200 after $500 offer is the standard offer on this card. The 1.5% additional cash back offer can technically be maximized for more rewards, but you’ll need to spend $20,000 on the card over the course of the year to get the full value.

Offer #1: Chase Freedom Unlimited®: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

The link above is a referral link. If you use this link, someone in our community may earn points. We always show you the best offer, regardless of our ability to earn a commission.

Offer #2: card_name: bonus_miles_full

The link above is our affiliate link. We are showing you this offer in addition to the 5% offer above because there are some people who might prefer this offer.

Chase Freedom Unlimited® card art

Chase Freedom Unlimited® at a glance:
Annual fee: $0
Rewards: 5% travel through Chase Travel℠. 3% dining. 3% drugstore. 1.5% all other purchases

What you need to know about Chase Freedom Unlimited®

Here’s what you need to know about the Chase Freedom Unlimited® Card.

Rewards

Travel purchased through Chase Travel℠5%
Lyft rides through March 31, 20255%

Dining at restaurants, including eligible takeout and delivery
3%

Drugstore purchases
3%
All other purchases1.5%

Rewards are earned as Chase Ultimate Rewards® points, which can be redeemed for cash back at one cent per point. You can get more than one cent per point of value from Ultimate Rewards® if you hold an additional premium credit card. See below for more details.

Benefits

Consumer insurance benefits
Purchase protection
Chase extended warranty protection
Travel benefits
Secondary auto rental collision damage waiver insurance
Trip cancellation/interruption insurance

Third-party merchant benefits
Complimentary 3 months of DashPass
Complimentary 3 months of Instacart+

Other important terms

  • No annual fee
  • 3% foreign transaction fee

Chase Freedom Unlimited® welcome bonus

Chase Freedom Unlimited® Welcome bonuses

Before you apply through the links below, be sure to see our coverage of the best welcome bonus on this card. There may be a better offer in-branch.

Our take on the welcome bonuses: The $200 after $500 offer is the standard offer on this card. The 1.5% additional cash back offer can technically be maximized for more rewards, but you’ll need to spend $20,000 on the card over the course of the year to get the full value.

Offer #1: Chase Freedom Unlimited®: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

The link above is a referral link. If you use this link, someone in our community may earn points. We always show you the best offer, regardless of our ability to earn a commission.

Offer #2: card_name: bonus_miles_full

The link above is our affiliate link. We are showing you this offer in addition to the 5% offer above because there are some people who might prefer this offer.

Chase Freedom Unlimited® card art

Chase Freedom Unlimited® at a glance:
Annual fee: $0
Rewards: 5% travel through Chase Travel℠. 3% dining. 3% drugstore. 1.5% all other purchases

Chase Freedom Unlimited® rewards

The Chase Freedom Unlimited offers increased rewards in select categories including Lyft, gas, travel through Chase Travel℠, dining, and drug store purchases. Details are below.

5%Travel purchased through Chase Travel℠
5%Lyft rides (through March 31, 2025)
3%Dining, including eligible takeout and delivery
3%Drugstore purchases
1.5%All other purchases
Rewards of the Chase Freedom Unlimited®

The Ultimate Rewards® points you earn with your card can be transferred between your cards. If you hold multiple cards that earn Ultimate Rewards®, you can earn points on one card and use the enhanced redemption options of another card.

Here are the best Ultimate Rewards® redemption options by card:

Cards with no annual feePremium cardsHigh-tier premium cards
Chase Freedom Flex card art Chase Freedom Unlimited® card art
Ink Business Cash® Credit Card card art Ink Business Unlimited® Credit Card card art
Chase Sapphire Preferred® Card card art Ink Business Preferred® Credit Card card artChase Sapphire Reserve® card art
Chase Freedom Flex
Chase Freedom Unlimited®
Ink Business Cash®
Ink Business Unlimited®

Chase Sapphire Preferred®
Ink Business Preferred®
Chase Sapphire Reserve®
Cash back
1 cent per point
Travel through Chase Travel℠100% of cash value125% of cash value$150 of cash value
Transfers to travel partners
See list of transfer partners below.
Gift cards
1 cent per point, with occasional sales on select brands
Useful reward redemption options on Ultimate Rewards® credit cards

The Ink Business Premier® Credit Card is marketed as an Ultimate Rewards® card, but it doesn’t allow you to transfer points to other cards, so it is not included in this table.

Ultimate Rewards Transfer partners

Point transfers to Ultimate Rewards® transfer partners are widely believed to be the best way to get the most value from your Chase points. When you transfer points to a partner, your Ultimate Rewards® become point in that partner’s loyalty program. You can then redeem your points for awards offered by a partner loyalty program. Point transfers cannot be reversed, so be sure you know what you’re going to use your points for before transferring them.

Here are the airlines and hotels you can transfer to if you hold a premium Ultimate Rewards® credit card:

Transfer partnerProgram highlights
Air Canada AeroplanEasy-to-use Star Alliance awards, with the option to spend extra miles to make flights cancelable.
Air France-KLM Flying BlueGreat for monthly Flying Blue promo awards.
Avios
Aer Lingus AerClub
British Airways Executive Club
Iberia Plus
Distance-based programs with good value on shorter flights like USA-Ireland (AerClub) and short-haul flights on Oneworld partners (Executive Club).
Emirates SkywardsOne of the few ways to book Emirates first class with points.
JetBlue TrueBlueReward prices tied to cash prices of tickets, usually around 1.3 cents per point.
Singapore Airlines KrisFlyerOne of the few ways to book Singapore first class tickets with points.
United MileagePlusGood value off-peak international economy awards. Generous award change/cancel policies.
Virgin Atlantic Flying ClubSome opportunities to book good-value premium cabin awards with partners.
IHG One RewardsOffers a fourth night free on point redemptions if you hold an IHG-branded credit card, but generally not a good use of Ultimate Rewards® points.
Marriott BonvoyMay be a reasonable use if you need just a few points to top off an award, but generally not a good use of Ultimate Rewards® points.
World of HyattOffers excellent redemption value at some properties due to its award chart.
Airline and hotel transfer partners of Ultimate Rewards®
Redemptions options you shouldn’t use

The table above shows you the best Ultimate Rewards® redemption options. But there are some ways to redeem points that provide less value. Here are the redemption options you should avoid:

  • Most gift card redemptions only offer 1 cent per point. You’re not getting any additional value and you’re giving up the flexibility of cash when you redeem for gift cards. Only redeem for gift cards when select brands are on sale.
  • Pay with points usually offers less value than 1 cent per point. You can get more value from your points through a cash back redemption.
  • Shop with Apple only offers 1 cent per point. If you use your points for cash back and charge your Apple purchases to your card, you can earn rewards for your purchases.
  • Chase Dining only offers 1 cent per point. Use your points for cash back instead and get rewards on your dining purchases.

Chase Ultimate Rewards® card synergies

Chase Ultimate Rewards® points can always be redeemed for cash back rewards at one cent each. This makes 10,000 points worth $100. But your points can become even more valuable when you hold a premium Ultimate Rewards® credit card.

If you hold a Chase Sapphire Preferred® Card, Chase Sapphire Reserve, or Ink Business Preferred card, you have access to a handful of redemption options that can increase the value of your points:

  • Point transfers to airline and hotel partners
  • Increased value when you redeem for travel through Chase Travel℠
  • Pay Yourself Back options

To use the points you earned from your non-premium Ultimate Rewards® credit card for one of these redemptions, simply transfer your Ultimate Rewards® points to your premium Ultimate Rewards® credit card.

Card Benefits

In addition to earning rewards on a variety of bonus categories, the Chase Freedom Unlimited® comes with a slate of additional benefits. Details on relevant benefits are below.

Consumer and purchase insurance benefits

Consumer insurance benefits protect the things you buy with your card. These benefits often include things like extended warranty and purchase protection. Here are the benefits offered on the Chase Freedom Unlimited®.

Benefit nameDescriptionImportant limitations
Chase extended warrantyExtends the coverage of the manufacturer’s warranty on items you buy by one additional year.Applies to warranties of three years or less.
Maximum coverage: $10,000 per item and $50,000 per account.
Purchase protectionCovers damaged or stolen items within 120 days of purchase.Maximum coverage: $500 per claim and $50,000 per account.
Consumer and purchase insurance benefits on the Chase Freedom Unlimited®.

Travel insurance benefits

Travel insurance benefits protect you when you are on the traveling or away from home and include things like baggage delay insurance, trip cancellation/interruption protection and lost luggage insurance. Travel insurance benefits are generally secondary to other insurance you have and you usually must book travel with your card to benefit from your card’s protections.

Here are the travel insurance benefits provided by the Chase Freedom Unlimited®.

Benefit nameDescriptionImportant limitations
Auto rental collision damage waiverCovers damage loss or damage to a rental vehicle when you reserve and pay for your rental with your card.Rentals must be 31 days or less.
Does not cover liability or damage to other vehicles/property.
Secondary coverage.
Trip cancellation/interruption insuranceRefunds the non-refundable amount of common carrier passenger fares charged to your card when a trip is canceled for a covered reason.Maximum coverage: $6,000 or the amount of the common carrier fare.
Travel insurance benefits of the Chase Freedom Unlimited®.

All credit card benefits have coverage limits, exclusions and limitations. See your card’s Guide to Benefits for specific details on what is covered.

How to apply:

Chase Freedom Unlimited® Welcome bonuses

Before you apply through the links below, be sure to see our coverage of the best welcome bonus on this card. There may be a better offer in-branch.

Our take on the welcome bonuses: The $200 after $500 offer is the standard offer on this card. The 1.5% additional cash back offer can technically be maximized for more rewards, but you’ll need to spend $20,000 on the card over the course of the year to get the full value.

Offer #1: Chase Freedom Unlimited®: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

The link above is a referral link. If you use this link, someone in our community may earn points. We always show you the best offer, regardless of our ability to earn a commission.

Offer #2: card_name: bonus_miles_full

The link above is our affiliate link. We are showing you this offer in addition to the 5% offer above because there are some people who might prefer this offer.

Chase Freedom Unlimited® card art

Chase Freedom Unlimited® at a glance:
Annual fee: $0
Rewards: 5% travel through Chase Travel℠. 3% dining. 3% drugstore. 1.5% all other purchases

A few notes on applying for Chase cards

  • Chase generally won’t approve you if your credit report is showing 5 or more new credit card accounts opened in the last 24 months. This rule is knows as the 5/24 rule. If you’re unsure if you are “under 5/24” you should check your 5/24 status before applying for a Chase card. Note that recently this rule seems to have softened. See our coverage about Chase 5/24 for more.
  • How often you can earn a welcome bonus on a Chase card varies by card family.
    • Most cards allow you to earn a welcome bonus if it has been at least 24 months since your last received a welcome bonus on the same card.
    • Chase Sapphire-branded cards, such as the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, you can only earn a welcome bonus once every 48 months. (We published a separate article to help you determine if you can get a Sapphire welcome bonus.)
  • You can only hold one Chase Sapphire-branded card at a time.
  • If you apply for a Chase card and the bank offers a higher bonus within 90 days, you can send Chase a secure message or call them to have your welcome offer matched.
  • Chase business cards do not report to personal credit reports as long as they are current.

Should you keep the card after the first year?

The Chase Freedom Unlimited® has an annual fee of $0. Even if you don’t use the card, keeping it open and occasionally putting spending on a no-annual-fee credit card can help you build your credit. However, there are still a number of reasons to keep the Chase Freedom Unlimited open. Here are the benefits that might make this card worth keeping after the first year.

  • Increased earnings in bonus categories like travel, dining, and drugstore purchases
  • Purchase protection and extended warranty benefit
  • Decent earnings on everyday spending

Frequently asked questions

Does the Chase Freedom Unlimited® offer cell phone protection?

The Chase Freedom Unlimited does not offer cell phone protection. That benefit is available on the Chase Freedom Flex card.

Is the Chase Freedom Unlimited a Visa or Mastercard?

The Chase Freedom Unlimited is issued as a Visa card. The similarly-name 5% rotating category card, the Chase Freedom Flex, is issued as a Mastercard.

Can the Chase Freedom Unlimited®’s points be transferred to airlines?

If you also hold a premium Ultimate Rewards® credit card, like the Chase Sapphire Preferred® Card, you can transfer the points you earn with the Chase Freedom to airline and hotel partners.

Am I automatically enrolled in the DashPass membership on the Chase Freedom Unlimited card?

No. You must enroll in the complimentary DashPass membership.

Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.