Earn an extra
1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to
$300 cash back with the
Chase Freedom Unlimited® card. That's
6.5% on travel purchased through Chase Ultimate Rewards®,
4.5% on dining and drugstores, and
3% on all other purchases.
Card Details:- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
Read our review on the
Chase Freedom Unlimited®
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85 Comments
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I also highly recommend the Sears credit card. Got it years ago when buying some appliances at Sears and then didn't use it again before over a year later when they started doing cashback promos outside of Sears purchases. During the height of the pandemic they were having some amazing cashback promos like 20% back on $1000-$1500 monthly spend on gas/grocery/restaurants. The last one they had was 10% on $1000-$1200 spend monthly for Q4 of 2022. They didn't offer that this quarter, so I had to settle for the more limited chase freedom offer.
or is it not?
If you have a premium UR point transfer and value travel/hotels then UR points are worth 2x. So that 1.5% is really worth 3% in this situation
But for people who dislike this extra 1.5% deal, help me follow along.
Isn't "$300 cash back" actually "30k ultimate reward points"?
And each ultimate reward point used even half decently (partner transfers) worth 0.02¢ each?
Which means capping out at an extra 30k points = worth at least $600 in reward redemption for a daily driver card?
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This sign-on bonus isn't particularly nice. It's requires so much spending to get so little. You're better off with the regular bonus of $500 spending for $200 back as Chase Ultimate Rewards points.
This card is great if you have a Sapphire Reserve/Preferred that you can just transfer the points to. The 1.5% turns into 2.25% with a Sapphire Reserve or 1.875% with the Preferred. It also pairs well with the Freedom Flex, which gets 5% back on rotating categories. Just use this card to shop at places that don't get you extra on the Sapphire card or the Flex 5% category (7.5% if you transfer to Sapphire Reserved and spend the points on travel). It does require some memorization of what places give you how much back on each card, but if you aren't a churner then these 3 cards provide the best points system you can use to make the money you are already planning to spend work for you.
or is it not?
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