Chase Freedom Unlimited Credit Card Review

Don't want to deal with the hassle of enrolling in 5% cash back categories each quarter? The Chase Freedom Unlimited earns 3% cash back in your first year on up to $20,000 in purchases.

Chase Freedom Unlimited

Key Features

  • Annual fee: $0

  • Welcome bonus: Earn 3% on all purchases in your first cardmember year on up to $20,000 in spend. After that, earn 1.5% on all purchases.

  • Foreign transaction fees: 3%

Review: Is the Chase Freedom Unlimited Worth It?

On April 5, 2019, the new standard Chase Freedom Unlimited welcome offer is earn 3% cash back on up to $20,000 in your first cardmember year. After that, earn an unlimited 1.5% cash back on all purchases.

The primary benefit of the Chase Freedom Unlimited is that you don't have to worry about keeping track or activating categories. 

Even though the points earned on the Chase Freedom Unlimited are advertised as cash back, you earn Ultimate Rewards.

If you have any other Chase card that earns Ultimate Rewards points, the Chase Freedom Unlimited compliments the card(s) as a catch-all for non-category purchases. 

Ultimate Rewards points earned on the Chase Freedom Unlimited card can be transferred to the Chase Sapphire Preferred, Chase Sapphire Reserve or Chase Ink Preferred card for higher travel redemption.

Who should get the Chase Freedom Unlimited?

  • Students or anyone who wants a solid starter card to build their credit history.

  • If you have a high amount of non-category spend like marketing ads, hardware supplies, or bills.

  • Anyone who is interested in redeeming points for travel and has one of the following cards:

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities. 

UGC disclosure: 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.”