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Chase Freedom Unlimited®: Earn Expired

$200 Bonus
w/ $500 Spent in First 3-Months
+202 Deal Score
411,606 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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Original Post

Written by
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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Deal
Score
+202
411,606 Views
$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 May 2020
L4: Apprentice
> bubble2 489 Posts
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kb24ed
09-19-2020 at 04:51 PM.
09-19-2020 at 04:51 PM.
Question: Is taking the $200 reward in "cash" the best choice or are there other good choices?
Reply
Joined Sep 2014
L5: Journeyman
> bubble2 1,503 Posts
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bootymonger
09-19-2020 at 04:59 PM.
09-19-2020 at 04:59 PM.
Quote from picubed :
Is the 5% grocery cash back applicable only during the first year or do you get 5% upto $12k every year?
It would be awesome if they did what you ask, but it's just the first year (up to $12k in purchases), then 1.5%. That's an intro promo just like the $200 for $500 spent in three months. One and done. If you have a Chase Freedom (the non-Unlimited one, now Freedom Flex), they have rotating 5% back (for up to $1500 spent, so up to $75 back in points that sometimes are worth more than $1 depending on how you spend them) in certain categories. One of the categories is groceries at least once a year.
Quote from DanielD5904 :
How is this different from the Flex card?
You can read more about Flex here:
https://thepointsguy.com/news/act...rnings/​
Reply
Joined Sep 2014
L5: Journeyman
> bubble2 1,503 Posts
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bootymonger
09-19-2020 at 05:03 PM.
09-19-2020 at 05:03 PM.
Quote from kb24ed :
Question: Is taking the $200 reward in "cash" the best choice or are there other good choices?
If you don't mind paying an annual fee to get a Sapphire card, you can do all kinds of things to get more value than a straight "cash" redemption. Even if you don't travel or use a Sapphire card, you can get gift cards to some chains for 10% off (e.g., $45 in points for a $50 gift card). However, if you don't like to play games, there's nothing wrong with cashing them out. You can read more about points tricks here: https://thepointsguy.com/guide/sw...e-rewards/
1
Reply
Last edited by bootymonger September 20, 2020 at 11:15 AM.
Joined Nov 2012
L5: Journeyman
> bubble2 907 Posts
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picubed
09-19-2020 at 05:04 PM.
09-19-2020 at 05:04 PM.
Thanks for clarifying this.

Quote from bootymonger :
It would be awesome if they did what you ask, but it's just the first year (up to $12k in purchases), then 1.5%. That's an intro promo just like the $200 for $500 spent in three months. One and done. If you have a Chase Freedom (the non-Unlimited one, now Freedom Flex), they have rotating 5% back (for up to $1500 spent, so up to $75 back in points that sometimes are worth more than $1 depending on how you spend them) in certain categories. One of the categories is groceries at least once a year.

You can read more about Flex here:
https://thepointsguy.com/news/act...rnings/​
Reply
Joined Sep 2009
L10: Grand Master
> bubble2 15,329 Posts
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Knightshade
09-19-2020 at 05:54 PM.
09-19-2020 at 05:54 PM.
Quote from kb24ed :
Question: Is taking the $200 reward in "cash" the best choice or are there other good choices?

There's lots of higher value options but all involve owning one of the sapphire cards- either CSP which would let you get $250 in value from the same amount of reward via either the travel portal or the pay yourself back option on some categories... or the CSR which would let you get $300 via the travel portal or the pay yourself back option.

Additionally either (or the annual fee ink card that allows point transfers) would allow even higher value redemptions via point transfers to airlines or hyatt hotels... but probably not super useful during a pandemic lockdown.
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Joined Dec 2007
L10: Grand Master
> bubble2 10,951 Posts
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CosmologicalConstant
09-20-2020 at 07:48 AM.
09-20-2020 at 07:48 AM.
Quote from kb24ed :
Question: Is taking the $200 reward in "cash" the best choice or are there other good choices?
If you have good credit, and can spend $4K in 3 months, consider instead, the one in the link below which, under a special promo to Nov 8, provides 80,000 bonus points (with 4K spend in 3 months and $95 annual fee), which is worth $800 cash or $1,000 when used as a statement credit for travel expenses.
https://slickdeals.net/f/14343218-chase-sapphire-preferred-card-spend-4k-on-purchases-earn-80-000-points?
How to attain $4k spend in 3 months if your spending is ordinarily not that high:

a) Prepay the bills that your ordinarily pay (for example gas and electricity, phone, cable, etc). As an example, if you ordinarily spend $200/month for this, prepay for it for 3 to 4 months in one shot.

b) Buy a Visa gift card.

c) Black Friday/Christmas shopping (3 months from when you are approved will take you to spending right through Christmas and more likely New Year since Chase gives, I believe, 100 days to attain the 4K spend)

Others may have other ideas but here is something for you to ruminate on....
https://slickdeals.net/f/14343218-chase-sapphire-preferred-card-spend-4k-on-purchases-earn-80-000-points?
1
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Joined Dec 2006
L2: Beginner
> bubble2 66 Posts
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drugstorecowboy
09-20-2020 at 12:25 PM.
09-20-2020 at 12:25 PM.
Quote from Knightshade :
If you think the card is a sock-drawer 1.5% CB card you don't understand the card.

It's a 1.5x UR card.

Which if used properly can be worth quite a bit more than 1.5%.

For example CSR holders can currently redeem UR for 1.5 cents per point for grocery stores, home improvement stores and dining establishments

Meaning the 1.5 UR you'd earn on this for "regular" non-category purchases would effectively be 2.25% cash-back against all those categories.

When there's not pandemic travel restrictions you can do the same on travel at the LOW end of value- often you can get quite a bit more than the 2.25% cash back equivalent for other travel options involving transferring points to travel partners.


(obviously stacking that with the 5x on grocery spend for the first year makes it insanely great the first year- but even after that it's solid for this reason)







We've opened dozens of cards in the last several years for signup bonuses, we don't regularly use more than maybe 3-5 cards at any given time though.

My credit score has remained comfortably above 800 the entire time.

It's free money, and a decent bit of it if done right.


That said- take the time to read, and learn, the rules of the various banks so you understand what cards, in what order, is optimal.


For example I'd normally say to stick to the Ink Unlimited card (which won't eat a 5/24 slot) instead of wasting a 5/24 slot on this card which (normally) is the same card effectively.

But with the 5x promo for a year it might well be worth it, especially during a pandemic when you might be spending more on groceries anyway (and especially if your grocery stores sell a decent # of gift cards to OTHER places you tend to spend so you can get 5x on that too)
Is there a site you use to to find out about all these signup bonuses or is it SD?
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Joined Sep 2009
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> bubble2 15,329 Posts
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Knightshade
09-20-2020 at 01:11 PM.
09-20-2020 at 01:11 PM.
Quote from drugstorecowboy :
Is there a site you use to to find out about all these signup bonuses or is it SD?

There's a bunch, this is probably the best summary of the "best" ones available at any point, but far from a comprehensive list of all of em.

https://www.doctorofcredit.com/be...n-bonuses/

If you plan to churn signups though the first thing you'll want to do is learn the rules for each of the major issuing banks...

Do things in the right order you can knock out a dozen or two signup bonuses a year (or more if you can sustain the spend).

Do things in the wrong order and you can quickly find yourself stuck unable to open new cards at all after a while.
Reply
Joined Oct 2016
L6: Expert
> bubble2 1,449 Posts
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LaughinGass
09-20-2020 at 09:59 PM.
09-20-2020 at 09:59 PM.
FWIW, +$100 referral bonus if you refer your spouse or other household members.
Reply
Joined Aug 2018
L1: Learner
> bubble2 2 Posts
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hassaniraj
09-21-2020 at 10:58 AM.
09-21-2020 at 10:58 AM.
Can I upgrade from freedom to freedom flex?
Reply
Joined Jul 2018
New User
> bubble2 1 Posts
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DollDollabill
09-21-2020 at 04:36 PM.
09-21-2020 at 04:36 PM.
Did anyone get approved for High credit? I got approved for 11k, income at 55,000 and credit score 798 Wondering how to get 15k+ line
Reply
Joined Jul 2009
L5: Journeyman
> bubble2 921 Posts
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yugioh2
09-21-2020 at 04:45 PM.
09-21-2020 at 04:45 PM.
Quote from hassaniraj :
Can I upgrade from freedom to freedom flex?

Yes. It's just a simple product change. Since you are going from Freedom (Visa) to Freedom Flex (Mastercard), you will receive a different card and number.

Important: you will NOT be eligible for the new cardmember bonus here
Reply
Joined Apr 2014
L6: Expert
> bubble2 1,335 Posts
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spike888
09-21-2020 at 05:07 PM.
09-21-2020 at 05:07 PM.
Just remember flex is Mastercard and Unlimited is Visa so if you go to Costco stick with Visa
Reply
Joined Sep 2009
L10: Grand Master
> bubble2 15,329 Posts
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Knightshade
09-21-2020 at 06:11 PM.
09-21-2020 at 06:11 PM.
Quote from spike888 :
Just remember flex is Mastercard and Unlimited is Visa so if you go to Costco stick with Visa

Or just use your mastercard (or discover when they run 5% CB on warehouse clubs) to buy a costco giftcard at costco.com and use the gift card in store.
Reply

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Joined Jul 2020
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> bubble2 85 Posts
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Jayn221
09-21-2020 at 06:21 PM.
09-21-2020 at 06:21 PM.
i have been approved for the chase unlimited card according to my chase app(shows up under "just for you" in my chase app)if i use someone else's referral link, does anyone know if there is gonna be another credit inquiry(if there ever was one)? or will the referral link redirect me to my approval ? just curious how this works
Reply
Last edited by Jayn221 September 21, 2020 at 06:34 PM.
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