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Chase Freedom Unlimited®: Earn Expired

$200 Bonus
w/ $500 Spent in First 3-Months
+202 Deal Score
411,235 Views
Update: This very popular deal is still available.

Chase is offering a $200 Bonus after you spend $500 on purchases in the first 3 months of account opening for the Chase Freedom Unlimited®. Annual fee is $0. Thanks helper02

Card Details:



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Edited January 13, 2021 at 01:02 PM by
Chase is offering a $200 Bonus after you spend $500 on purchases in the first 3 months of account opening for the Chase Freedom Unlimited®. Annual fee is $0.

Card Details:


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Created 07-23-2020 at 07:11 PM by helper02
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$200 Bonus
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Featured Comments

Not multiple of the same card. 1 Freedom Unlimited and 1 Freedom — yes.



Call the reconsideration line immediately.



Call the reconsideration line immediately.


If you get rejected sometimes there are errors in their automation side or just simply discrepancies. I have always called the reconsideration lines for credit agencies and sometimes even gotten approved over the phone.

At the least it will tell you why you got denied and it will be a learning experience. In this specific case: Always call laugh out loud
That's not how the offer reads:

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.* And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.*
Yes you are. The Chase Freedom and Freedom Unlimited are different cards. Go and apply for it! If you do, please use someone's referral link (they get $100) to share the wealth!

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Joined Dec 2007
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> bubble2 10,951 Posts
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CosmologicalConstant
09-09-2020 at 10:47 AM.
09-09-2020 at 10:47 AM.
Quote from Knightshade :
Rewards plus gives a 10% bonus to point redemption I think I don't simplicity does much for you besides the cheap balance transfer at opening
thanks
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Joined Dec 2007
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> bubble2 10,951 Posts
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CosmologicalConstant
09-09-2020 at 12:42 PM.
09-09-2020 at 12:42 PM.
Quote from Knightshade :
FWIW I've only ever used Citi for extended warranty coverage (which is also through a 3rd party as I think all these coverages are).... but when I did they didn't care about my CC number at all.

They just needed the original dated receipt, and a copy of a citi card statement showing a charge matching the original purchase.

They asked for no evidence that card was even still open (though it was)

I would expect the Chase process to be similar but have no direct experience with it.
In Citi's world, is "conversion" the same as "product change" and will my credit history transfer? It is not stated in their FAQs below. And, why will the credit card number change if it continues to be a Mastercard?


Enjoy access to all these benefits with no annual fee**footnote **

After you convert, your new card will arrive with a new account number. Please remember to notify those who regularly bill your account of the change.

What else is changing if I convert?
When you convert to the Citi Rewards+ Card, you will continue to pay no annual fee.**footnote ** However, for any new transactions after conversion, the no late fees and no penalty rate benefits under your current card will no longer be available and one or more of your APRs will increase after you convert.**footnote ** You also will no longer have access to Citi Easy Dealsâ„ . Please ensure that the address on file with us is current, otherwise important documentation regarding this conversion request may get returned to us resulting in cancellation of conversion or closure of the account.

Convert your card today. Earn and redeem ThankYou® Points for the things you want most.

Frequently Asked Questions
IS MY CONVERSION APPROVED?
A letter will be sent out shortly to confirm your account status.
WHEN WILL I RECEIVE MY NEW CITI REWARDS+ CARD?
Once the conversion is processed your new card will be mailed to you within 10 – 14 business days.
WHAT HAPPENS TO MY OLD CARD?
Please continue to use your current card until your new card arrives. Once you receive your new card, please activate it and then destroy your old card.
WHEN WILL MY ANNUAL FEE BE APPLIED?
When you convert your card, you will continue to enjoy no annual fee.
Any other applicable fees will be applied 51 days after you convert. All other benefits will be applied to your account within 11 days after you convert.
WHAT TYPE OF CARD WILL I RECEIVE?
You will receive a Citi Rewards+ World Mastercard® with Contactless Pay feature. Shop safely with your new contactless-chip enabled card. Just tap your card on the payment reader and go in seconds. To activate contactless feature, insert your new card into any payment reader on your first purchase, then you can tap for subsequent purchases thereafter.
WHAT WILL HAPPEN TO MY ADDITIONAL USERS IF I CONVERT MY ACCOUNT?
Any additional users associated with your current account will be converted to the Citi Rewards+ Card as part of this process.
WHAT IS THE APR IF I CONVERT?
Upon conversion to the Citi Rewards+ Card, one or more of your APRs may change. Please see Terms and Conditions section which includes pricing details and a summary of change in account terms upon conversion.
WILL MY ACCOUNT NUMBER STAY THE SAME?
No, your new card will arrive with a new account number. Please remember to notify those who regularly bill your account of the change.
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Joined Sep 2009
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Knightshade
09-09-2020 at 03:21 PM.
09-09-2020 at 03:21 PM.
Every issuer seems to do conversions a bit differently... with Chase and Amex though my card # didn't change and neither did the history of the card.... Only Citi change I ever did was many years ago changing to a Dividend card (that they don't even issue new anymore) and my credit history stayed with that change at the time.
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Joined Dec 2007
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> bubble2 10,951 Posts
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CosmologicalConstant
09-09-2020 at 03:57 PM.
09-09-2020 at 03:57 PM.
Quote from Knightshade :
Every issuer seems to do conversions a bit differently... with Chase and Amex though my card # didn't change and neither did the history of the card.... Only Citi change I ever did was many years ago changing to a Dividend card (that they don't even issue new anymore) and my credit history stayed with that change at the time.

Ok, here's the trick. When I called Citi, I was told I could only change from Citi Simplicity to Citi Rewards Plus (the same as online), but when I was sent to retention they pretty much told me I could change to anything including teh Double Cash. With Double Cash I could keep my credit card # but it would change for Rewards Plus (though my entire credit history would transfer in both cases). The drawback is that the extended 24 month warranty which is available with Simplicity (and Rewards Plus) is not available for Double Cash. So, now I am confused as to whether to make a change or not and, if so, to which card.

But it is great to know that asking for the "retention" Department at Citi, gives you a lot of options!
Reply
Joined Sep 2009
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> bubble2 15,329 Posts
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Knightshade
09-09-2020 at 07:17 PM.
09-09-2020 at 07:17 PM.
Quote from dravid :
Ok, here's the trick. When I called Citi, I was told I could only change from Citi Simplicity to Citi Rewards Plus (the same as online), but when I was sent to retention they pretty much told me I could change to anything including teh Double Cash. With Double Cash I could keep my credit card # but it would change for Rewards Plus (though my entire credit history would transfer in both cases). The drawback is that the extended 24 month warranty which is available with Simplicity (and Rewards Plus) is not available for Double Cash. So, now I am confused as to whether to make a change or not and, if so, to which card.

But it is great to know that asking for the "retention" Department at Citi, gives you a lot of options!

Better question might be is there a specific reason you're looking to do a conversion instead of opening a new card (and getting a signup bonus for it)?

Citi Premier for example gets you 60k TYP for 4k in spend (plus the points earned via the spend).... and after a year you can always PC that into a "free" rewards plus or a DC if you wish.
Reply
Joined Dec 2007
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> bubble2 10,951 Posts
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CosmologicalConstant
09-09-2020 at 08:23 PM.
09-09-2020 at 08:23 PM.
Quote from Knightshade :
Better question might be is there a specific reason you're looking to do a conversion instead of opening a new card (and getting a signup bonus for it)?

Citi Premier for example gets you 60k TYP for 4k in spend (plus the points earned via the spend).... and after a year you can always PC that into a "free" rewards plus or a DC if you wish.
I have 20+ years of unblemished credit history on the Citi card. I don't want to cancel the card nor do I want to rack up a lot of cards (I already have a few). If it wasn't for this history, I would have cancelled the Simplicity card ages ago. The only benefit, of any significance on the Simplicity card is the 24 month extended warranty. I suppose my other cards which provide +1 year extended warranty could be a substitute.

I just don't want to close my Citi card and at least want it to be of some value.

Separately, do you know if the Chase Flex will have extended warranty and travel protection (trip cancellation insurance, etc) like the Chase Freedom? Also, for the phone insurance that comes with the Flex, do you know for coverage to be effective:

a) Should the phone have been purchase don the Flex card?
b) Should you charge a postpaid or any plan will be find (such as a prepaid plan with Mint Mobile)?
Reply
Last edited by dravid September 9, 2020 at 08:28 PM.
Joined Dec 2014
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> bubble2 707 Posts
ILatria
09-09-2020 at 08:47 PM.
09-09-2020 at 08:47 PM.
Quote from Slimeyface :
Not multiple of the same card. 1 Freedom Unlimited and 1 Freedom — yes.



Call the reconsideration line immediately.



Call the reconsideration line immediately.


If you get rejected sometimes there are errors in their automation side or just simply discrepancies. I have always called the reconsideration lines for credit agencies and sometimes even gotten approved over the phone.

At the least it will tell you why you got denied and it will be a learning experience. In this specific case: Always call laugh out loud

What's the reconsideration line number?
Reply

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Joined Sep 2009
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Knightshade
09-10-2020 at 06:34 AM.
09-10-2020 at 06:34 AM.
Quote from dravid :
I have 20+ years of unblemished credit history on the Citi card. I don't want to cancel the card nor do I want to rack up a lot of cards (I already have a few). If it wasn't for this history, I would have cancelled the Simplicity card ages ago. The only benefit, of any significance on the Simplicity card is the 24 month extended warranty. I suppose my other cards which provide +1 year extended warranty could be a substitute.
I've got dozens of cards open and also a 20+ year perfect credit history with 800+ score.... plus tens of thousands of dollars in free money and travel via the signups that got me those cards Smilie


Quote from dravid :
I just don't want to close my Citi card and at least want it to be of some value.
Fair enough- it seems like it's adding value on the warranty right now at least... if the rewards+ card only gets you 10% back on point redemption though and you're not churning citi points or signing up for any other citi cards with high earning multipliers like premier though then that 10% doesn't do much for you.





Quote from dravid :
Separately, do you know if the Chase Flex will have extended warranty and travel protection (trip cancellation insurance, etc) like the Chase Freedom? Also, for the phone insurance that comes with the Flex, do you know for coverage to be effective:

a) Should the phone have been purchase don the Flex card?
b) Should you charge a postpaid or any plan will be find (such as a prepaid plan with Mint Mobile)?

The phone benefit is a result of it being a World Elite Mastercard, they all have the same coverage there...

Benefit guide here:

https://www.mastercard.us/content...d_2019.pdf

Specifically-

Quote from Benefits guide :
To get coverage:
You must charge your monthly Eligible Cellular Wireless
Telephone bill to your Covered Card. You are eligible for
coverage the first day of the calendar month following the
payment of your Eligible Cellular Wireless Telephone bill to
your Covered Card

Only language I see regarding pre vs post-paid are an exclusion for:

Quote :
Eligible Cellular Wireless Telephones that are received as
part of a pre-paid plan;
So if you brought your own phone to a pre-paid plan it seems like you'd be covered, but not if you got the phone as part of the pre-paid plan.




Regarding warranty I'd expect same coverage as other chase cards.
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Joined Dec 2007
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CosmologicalConstant
09-10-2020 at 07:05 AM.
09-10-2020 at 07:05 AM.
Quote from Knightshade :
I've got dozens of cards open and also a 20+ year perfect credit history with 800+ score.... plus tens of thousands of dollars in free money and travel via the signups that got me those cards Smilie

Fair enough- it seems like it's adding value on the warranty right now at least... if the rewards+ card only gets you 10% back on point redemption though and you're not churning citi points or signing up for any other citi cards with high earning multipliers like premier though then that 10% doesn't do much for you.

The phone benefit is a result of it being a World Elite Mastercard, they all have the same coverage there...

Benefit guide here:

https://www.mastercard.us/content...d_2019.pdf

Specifically-

Only language I see regarding pre vs post-paid are an exclusion for:

So if you brought your own phone to a pre-paid plan it seems like you'd be covered, but not if you got the phone as part of the pre-paid plan.

Regarding warranty I'd expect same coverage as other chase cards.
Wow, superb information and I booked marked your response for future reference!

One area we differ is that you like to have a lot of credit cards (perhaps for all the free sign up points that you can acquire?). Maybe I will get into that game in a later stage of my life. Right now, ideally I'd like to have 2 cards, a Mastercard and Visa and potentially 1 more when a great offer comes by like the 100K Chase Sapphire Reserve that came by a few years ago.

Right now cards that seem appealing but for which I have yet to bite are:
125K offer by Amex
https://slickdeals.net/f/14276708-amex-pre-qual-125-000-points-on-american-express-platinum-with-5-000-spend-in-3-months-can-meet-spending-threshold-paying-rent-via-plastiq?

100K offer by Chase United Club Infinite Card
https://www.theexplorercard.com/c...qq63OaWYWg

I already have a United Explorer Mileage Plus card for which I received a 60K bonus a few months ago. Am I eligible for the 100K offer on the united card? The terms state "This product is not available to either (i) current Cardmembers of any United Club credit card, or (ii) previous Cardmembers of any United Club credit card who received a new Cardmember bonus for this credit card within the last 24 months. If you are an existing United Club Visa Signature Cardmember and would like this product, please call the number on the back of your card to see if you are eligible for a product change".

I assume the United Explorer Mileage Plus card is NOT a Club card and therefore I should be eligible for the 100K bonus of the United Club Infinite Card, correct. Of course, I won't be able to travel for the next possibly 12 months because of corona but I am looking at 100K miles for the $525 fee.
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Joined Sep 2009
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Knightshade
09-10-2020 at 08:09 AM.
09-10-2020 at 08:09 AM.
FWIW most of those dozens of cards just sit in a little lockbox unused. After the signup there's little reason to do anything with em.

Typically for any given month if we're doing a new card signup bonus we put everything on that (outside of things we might want some specific other-card benefit from like a car rental or a longer warranty).... and when NOT doing a new signup we're usually using 2 or 3 specific cards for most things to maximize rewards in given categories, and then 1 other card for any non-category stuff.


In general for folks who don't want to be doing frequent new card signups that's what I recommend- you have 2 or 3 cards with the best possible rewards for the categories you spend the most in, and 1 card with the best rewards for non-cat stuff.

Which those cards should be vary by what sort of rewards you're looking for (travel vs cash for example)- and especially if looking for cash it'll depend on having BoA Plat Honors status since that's the best cashback ecosystem if you do, but not so great if you don't.

(chase is probably the best ecosystem for regular spend/bonus earning for travel rewards, but there's some cases where amex or citi might be better depending what partners you mostly want to travel with).



As to the united card- I believe that's correct and the club cards are treated as their own product so no conflict with the explorer card....

There is that $525 annual fee though.... Worthwhile if you're planning to get a club membership anyway of course, but since you not you probably won't travel for a while no value to that perk.... so might be better choices depending how you value United miles.... for example $95 with a CSP signup gets you 60,000 chase UR, which transfer to United (AND a bunch of other places) 1:1.... so if there's any value in the flexibility of use of points that might be a better (and cheaper AF wise) option.


Over at Amex if you can actually GET the 125k plat offer (it's highly targeted) then yeah that's a good deal (though better once you can actually travel enough to enjoy the centurion lounges)
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avikmo23
09-10-2020 at 11:59 AM.
09-10-2020 at 11:59 AM.
Is 5% only for the first year? What about later years?
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CosmologicalConstant
09-10-2020 at 12:07 PM.
09-10-2020 at 12:07 PM.
Quote from Knightshade :

1. Which those cards should be vary by what sort of rewards you're looking for (travel vs cash for example)- and especially if looking for cash it'll depend on having BoA Plat Honors status since that's the best cashback ecosystem if you do, but not so great if you don't.

2. (chase is probably the best ecosystem for regular spend/bonus earning for travel rewards, but there's some cases where amex or citi might be better depending what partners you mostly want to travel with).

3. There is that $525 annual fee though.... Worthwhile if you're planning to get a club membership anyway of course, but since you not you probably won't travel for a while no value to that perk.... so might be better choices depending how you value United miles.... for example $95 with a CSP signup gets you 60,000 chase UR, which transfer to United (AND a bunch of other places) 1:1.... so if there's any value in the flexibility of use of points that might be a better (and cheaper AF wise) option.

4. Over at Amex if you can actually GET the 125k plat offer (it's highly targeted) then yeah that's a good deal (though better once you can actually travel enough to enjoy the centurion lounges)
Thanks again for all the info. Below are my comments on the 4 points above

#1: if only BoA had cell phone protection. The smart phones are very expensive.
#2 : if only chase had 2% on everything like Citi double cash
#3: I already used the CSP and CSR miles. Will play the game again in the next 12 months.
#4: The play is purely for the miles. I previously qualified for 100k miles but passed since I had zero chance of travel for 12 months. I think I would qualify for 125k but again there is low chance of travel so it would be purely a play of 125K points for Delta Skymiles for $550.
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Knightshade
09-10-2020 at 12:49 PM.
09-10-2020 at 12:49 PM.
Quote from dravid :
Thanks again for all the info. Below are my comments on the 4 points above

#1: if only BoA had cell phone protection. The smart phones are very expensive.
They are- though I've never broken one in 20+ years of ownership, I realize others aren't so lucky.

Still, you could have a card you keep in a drawer that just auto-bills your cell bill and you never even have to think about for that specific purpose- no need to be carrying it or anything.



Quote from dravid :
#2 : if only chase had 2% on everything like Citi double cash
It has 1.5x UR... which if you care about travel value is better than 2% cash.

Though it may or may not be better than 2x Citi TYP if you're able to get value out of those (since you can use the citi DC for TYPs)



Quote from dravid :
#3: I already used the CSP and CSR miles. Will play the game again in the next 12 months.
Those cards are only churnable once every 48 months (and one 1 of em)



Quote from dravid :
#4: The play is purely for the miles. I previously qualified for 100k miles but passed since I had zero chance of travel for 12 months. I think I would qualify for 125k but again there is low chance of travel so it would be purely a play of 125K points for Delta Skymiles for $550.

Have you already churned through the Amex Delta cards? Because you can get a lot of sky pesos that way too (with many cards having low or no fees, though with smaller signups... but AFAIK you can get multiple signups from different Delta cards)
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CosmologicalConstant
09-10-2020 at 01:26 PM.
09-10-2020 at 01:26 PM.
Quote from Knightshade :

#1 Those (Chase) cards are only churnable once every 48 months (and one 1 of em)

#2 Have you already churned through the Amex Delta cards? Because you can get a lot of sky pesos that way too (with many cards having low or no fees, though with smaller signups... but AFAIK you can get multiple signups from different Delta cards)
# 1 Yes. I am aware; my 4th year is coming up.

#2: I did and I think quite a few. Amex seems to think I only had done it once (per their phone rep, which is weird). But, if you think skymiles are really worth skypesos that there is no reason to shell $550 right now.
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Joined Dec 2007
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CosmologicalConstant
09-10-2020 at 01:27 PM.
09-10-2020 at 01:27 PM.
Quote from Knightshade :
s)
Do you have a preference of Chase Freedom Unlimited vs Freedom Flex?
Reply
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