Slickdeals is community-supported.Ā  We may get paid by brands for deals, including promoted items.
Forum Thread Advertiser Disclosure

Chase Freedom UnlimitedĀ®: Every Dollar In Cash Back Rewards You Earn Is a Dollar Chase Will Match In the First Year

+2 Deal Score
6,671 Views
This offer is no longer available.

Offer Ending Soon - SPECIAL OFFER: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match with the Chase Freedom UnlimitedĀ® card. No annual fee.

Card Details:
  • SPECIAL OFFER: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match.
  • Unlimited 1.5% cash back is just the beginning of what you can earn. You'll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 5% cash back on travel purchased through Chase Ultimate RewardsĀ®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.
  • 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 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!
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom UnlimitedĀ® 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 UnlimitedĀ®

Slickdeals may be compensated by Chase.
Created 10-12-2023 at 01:11 PM by EfficientGame645
If you take advantage of an offer on our site, Slickdeals may receive a commission.
Deal
Score
+2
6,671 Views
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.

Your comment cannot be blank.

Sign up for a Slickdeals account to remove this ad.

Joined Sep 2009
L10: Grand Master
> bubble2 15,329 Posts
4,338 Reputation
Knightshade
12-27-2023 at 08:26 AM.
12-27-2023 at 08:26 AM.
Quote from lleung1980 :
Is there a way to calculate which cashback is better? 3% cash back or 3x points for dinning?

I don't understand your question.


This cards rewards come as UR points. Which you can use for 1 cent cash back (or better- statement credits) if you wish to use them that way.

or can potentially use the points for much high value in various ways for travel (most of which require having a better chase card in addition to this one)
Reply
Joined Mar 2012
L5: Journeyman
> bubble2 840 Posts
38 Reputation
lleung1980
12-28-2023 at 06:13 AM.
12-28-2023 at 06:13 AM.
Quote from Knightshade :
I don't understand your question.


This cards rewards come as UR points. Which you can use for 1 cent cash back (or better- statement credits) if you wish to use them that way.

or can potentially use the points for much high value in various ways for travel (most of which require having a better chase card in addition to this one)
So this card gets 3% cash back for dining, and the CSP gets 3x points for dining. I know if I spend $100, I will get 300 points from CSP, but the freedom card get 3%, how much is that equal to UR points? Is that a way to calculate that?
Reply
Joined Sep 2009
L10: Grand Master
> bubble2 15,329 Posts
4,338 Reputation
Knightshade
12-28-2023 at 06:45 AM.
12-28-2023 at 06:45 AM.
Quote from lleung1980 :
So this card gets 3% cash back for dining, and the CSP gets 3x points for dining. I know if I spend $100, I will get 300 points from CSP, but the freedom card get 3%, how much is that equal to UR points? Is that a way to calculate that?

Again you're misunderstanding how the cards work.

Both this card and CSP actually give UR as their reward currency (despite chase using "cash back" language on this one).

So there is no difference in your example.

1 UR point= 1 cent in cash or statement credit terms.


If you ONLY held this specific card, then 3x UR (which is what you'd actually get in your example) is 3% cash-- because that's practically the only way you can use those points.

But if you ALSO hold at least one AF chase card you can transfer your UR from this one to that one and use them for higher (often much higher) value for travel purposes.
1
Reply
Joined Mar 2012
L5: Journeyman
> bubble2 840 Posts
38 Reputation
lleung1980
12-28-2023 at 08:01 AM.
12-28-2023 at 08:01 AM.
Quote from Knightshade :
Again you're misunderstanding how the cards work.

Both this card and CSP actually give UR as their reward currency (despite chase using "cash back" language on this one).

So there is no difference in your example.

1 UR point= 1 cent in cash or statement credit terms.


If you ONLY held this specific card, then 3x UR (which is what you'd actually get in your example) is 3% cash-- because that's practically the only way you can use those points.

But if you ALSO hold at least one AF chase card you can transfer your UR from this one to that one and use them for higher (often much higher) value for travel purposes.

I know that I'm not getting real cash back for the 3%. Instead, I'm getting UR points as a way of cash back. But what is that 3% equal to UR points? For example, I spent $100 in dining, I get 3% CB in UR points. How many point is that?

if 1UR point is
1
Reply
Last edited by lleung1980 December 28, 2023 at 08:03 AM.
Joined Nov 2008
L5: Journeyman
> bubble2 736 Posts
504 Reputation
magic168
12-28-2023 at 08:36 AM.
12-28-2023 at 08:36 AM.
Quote from lleung1980 :
I know that I'm not getting real cash back for the 3%. Instead, I'm getting UR points as a way of cash back. But what is that 3% equal to UR points? For example, I spent $100 in dining, I get 3% CB in UR points. How many point is that?

if 1UR point is

Jeebus have you never used any point based system before? This is kinda nuts to me as a question but I'll try to be helpful. Each UR point is basically a penny. So 3% back on $100 is $3 worth of UR points. Since each UR point is worth about a penny, you'll have earned 300 UR points. Or the inverse of that is that every dollar you spend on dining, you'll get 3 UR points.
Reply
Joined Mar 2012
L5: Journeyman
> bubble2 840 Posts
38 Reputation
lleung1980
12-28-2023 at 08:52 AM.
12-28-2023 at 08:52 AM.
Quote from magic168 :
Jeebus have you never used any point based system before? This is kinda nuts to me as a question but I'll try to be helpful. Each UR point is basically a penny. So 3% back on $100 is $3 worth of UR points. Since each UR point is worth about a penny, you'll have earned 300 UR points. Or the inverse of that is that every dollar you spend on dining, you'll get 3 UR points.
I could not find any UR point value from the Chase website; how would I know that it is worth a penny? I'm just asking how many points I will get from the 3% cashback
1
Reply
Joined Nov 2008
L5: Journeyman
> bubble2 736 Posts
504 Reputation
magic168
12-28-2023 at 09:11 AM.
12-28-2023 at 09:11 AM.
I give up. You're asking the same question over and over. And multiple people have tried to help. How do people know how much it's worth? Because many people have UR cards already? Or if you don't trust the people on here you can always actually call chase and ask?
Reply

Sign up for a Slickdeals account to remove this ad.

Joined Feb 2005
L4: Apprentice
> bubble2 408 Posts
164 Reputation
tiger0
12-28-2023 at 09:26 AM.
12-28-2023 at 09:26 AM.
For those veteran card churners -- isnt the Discover match better because you could get up to 10% back on certain categories (5% x2)?
Reply
Joined Sep 2009
L10: Grand Master
> bubble2 15,329 Posts
4,338 Reputation
Knightshade
12-28-2023 at 09:58 AM.
12-28-2023 at 09:58 AM.
Quote from tiger0 :
For those veteran card churners -- isnt the Discover match better because you could get up to 10% back on certain categories (5% x2)?
"in certain categories" is the first problem.

This applies to everything.

Second problem is for folks who travel they'd probably rather put their category-specific spend on Chase Freedom (not unlimited) cards and earn 5x UR than they would want 10% cash... though the categories don't always overlap of course. For non travellers Discover match would be the better deal first year in category-specific spending (after the first year if you're a non-traveler it might be worth obtaining high enough BoA status to get 5.25% back in a couple categories with some Custom cash cards)
Reply
Joined Dec 2010
L10: Grand Master
> bubble2 6,739 Posts
22,934 Reputation
bluking
01-08-2024 at 11:39 AM.
01-08-2024 at 11:39 AM.
Quote from lleung1980 :
I know that I'm not getting real cash back for the 3%. Instead, I'm getting UR points as a way of cash back. But what is that 3% equal to UR points? For example, I spent $100 in dining, I get 3% CB in UR points. How many point is that?

if 1UR point is
If you spend $1 in dining on this card your get 3 UR points. HTH.
Reply
Joined Sep 2022
New User
> bubble2 11 Posts
10 Reputation
DictorWolf
01-10-2024 at 02:38 PM.
01-10-2024 at 02:38 PM.
Hello. I received the card and installed the application. I couldn't FIND where in the app it says that I have this "DOUBLE CASHBACK" offer. I hope it works later this year.
Reply
Page 2 of 2
Start the Conversation
 
Link Copied

The link has been copied to the clipboard.