Chase Freedom Unlimited Review–The Best 1.5% Cash Back Card On The Market

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Chase Freedom Unlimited Review--The Best 1.5% Cash Back Card On The Market
ChooseFI has partnered with CardRatings for our coverage of credit card products. ChooseFI and CardRatings may receive a commission from card issuers.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.  See our disclosures for more info.

ChooseFI Favorite: top rewards card for beginners

Chase Sapphire Preferred Card​

ChooseFI’s top pick for travel rewards! The Chase Sapphire Preferred Card has a 60,000 point sign-up bonus (after spending $4,000 in the first 3 months). The points are ultra-flexible and transfer to 13 airlines and hotels. $95 annual fee.

ChooseFI Favorite: top rewards card for beginners

Chase Sapphire Preferred Card​

ChooseFI’s top pick for travel rewards! The Chase Sapphire Preferred Card has a 60,000 point sign-up bonus (after spending $4,000 in the first 3 months). The points are ultra-flexible and transfer to 13 airlines and hotels. $95 annual fee.

The Chase Freedom Unlimited card is a straight-forward, no annual fee, cash back credit card.

If you’re a fan of Chase’s other credit cards, but want one for everyday use, the Chase Freedom Unlimited credit card is the one for you.

Here’s a quick overview of what the Chase Freedom Unlimited offers:

  • $500 sign up bonus if you spend $500 in the first three months.
  • No annual fee
  • 1.5% cash back on all purchases after the first year

Chase Freedom Unlimited features

The Chase Freedom Unlimited is the perfect card for anyone who wants a straightforward cash back credit card. Here are the details.

Annual fee

There’s no annual fee for using the Chase Freedom Unlimited credit card.

Rewards

The Chase Freedom Unlimited offers 1.5% cash back on all your purchases. These are unlimited rewards, meaning there’s no limit to the amount of rewards points you can earn, plus, your rewards never expire! So save them up for that family vacation you’ve been dying to go on.

You can also redeem your rewards at any time. There are no minimum rewards required to start redeeming.

Sign-up bonus

Chase Freedom Unlimited card offers a bonus of $150 if you spend $500 in the first three months of having the card.

Contactless pay

If you want to check out quickly using your Chase Freedom Unlimited credit card, you can set up contactless and all you’ll have to do is tap your card at any checkout counter that has the contactless symbol.

Extra features offered by the Chase Freedom Unlimited

Invite a friend

If you already have the Chase Freedom Unlimited card, you can suggest it to friends, and you’ll receive $100 for everyone them who signs up for the card.

You can earn up to $500 a year by doing this.

Free credit score

Chase has joined many of the credit card companies that offer you a free credit score, updated weekly. All you have to do is click on the ‘Your Credit Score’ section once you’ve logged into your Chase account.

Security

The Chase Freedom Unlimited card (and all Chase cards) offer great security features to keep your account safe. They offer the following:

  • Fraud protection
  • Fraud alerts
  • Zero liability protection–meaning you’ll never have to pay for any fraudulent charges made with your card
  • Purchase protection–This covers any new purchases for 120 days against damage or theft up to $500 per claim

Redemption option #1–Cash

If you get the Chase Freedom Unlimited credit card, you likely want simple cash back. So, we’ll start the redemption process by talking about how you can redeem your rewards for straight cash back.

Like other Chase credit cards, the Chase Freedom Unlimited earns Chase Ultimate Rewards points. Unlike other cards, however, there’s no minimum needed to start redeeming rewards. To get cash back, you can choose to receive a statement credit or do direct deposit into most U.S. banks.

Click here to compare this card to other cash back cards.

Redemption option #2–Book Travel

While we don’t recommend the Chase Freedom Unlimited as the best travel rewards credit card, you can redeem your rewards through Chase’s travel portal.

If you looking to earn more travel rewards than the Chase Freedom Unlimited can offer, check out the Chase Sapphire Preferred or Chase Sapphire Reserve.

If you book through Chase Ultimate Rewards, your points can go towards:

  • Flights
  • Hotel stays
  • Car rentals
  • Vacation rentals
  • Cruises

Chase’s portal makes it easy to find flights and lodging, and they’ll tell you next to each flight/hotel/etc. how many points equals a free flight/stay.

You can transfer points to the following airlines:

  • British Airways Avios
  • Aer Lingus AerClub
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • JetBlue TrueBlue
  • United MileagePlus
  • Virgin Atlantic Flying Club
  • World Of Hyatt
  • IHG Rewards Club
  • Marriott Rewards
  • The Ritz-Carlton Rewards
  • Flying Blue
  • Iberia Plus

If you’d like to learn more about Chase Ultimate Rewards here’s a full explanation.

Redemption option #3–Amazon

If you’re a frequent Amazon shopper, you can use your rewards through Amazon. All you have to do is link your Chase card to Amazon and you can use your points at checkout.

Your points can even count towards shipping and tax. 

Redemption option #4–Apple

You can now use your Chase Freedom Unlimited rewards through Apple to pay for any purchases. Currently, 100 Chase points is equal to $1 at Apple.

Redemption option #5–Gift cards

Finally, if you want a simpler way to use your points, you can get your points credited to your account, or you can buy gift cards.

Click here to compare this card and find the card that’s best for you.

Why you should use the Chase Freedom Unlimited credit card

If you’re looking for a card that doesn’t require much work, the Chase Freedom Unlimited card is perfect. It has no activation requirement, like the Chase Freedom card, so you start earning cash back as soon as you get your card.

Many credit cards also limit the amount of rewards you can earn, but the Chase Freedom Unlimited card lets you earn unlimited rewards. And finally, there’s no annual fee!

Click here to compare this card and find the card that’s best for you.

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ChooseFI has partnered with CardRatings for our coverage of credit card products. ChooseFI and CardRatings may receive a commission from card issuers.
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