Chasing Freedom Unlimited Overview
No annual fee Chasing Freedom® (See Rates & Fees) Ideal for both occasional and frequent travelers. While many cards offer 1% back on purchases outside of bonus categories, with Freedom Unlimited you can earn 1.5% back on non-bonus purchases. If you pair it with a card that earns premium Chase Ultimate Rewards points, you can convert your rewards into fully transferable points. Card Rating*: ⭐⭐⭐⭐
*Card ratings are based on the opinions of TPG editors and are not influenced by card issuers.
At first glance, the Chase Freedom Unlimited appears to be a regular cash back card. But there is much more to it than meets the eye.
With no annual fee and a simple earnings structure, it’s a great card for beginners, provided their credit score is at least 670. For more advanced options like Chase Sapphire Preferred® Card (See Rates and Fees) and Chase Sapphire Reserve® (See Rates and Fees), making it a valuable addition to many large card portfolios.
Let’s take a look at what makes this card so great and whether it deserves a spot in your wallet.
Advantages and Disadvantages of Chasing Unlimited Freedom
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Chase Freedom Unlimited Welcome Offer
new Chasing unlimited freedom Cardholders can receive $300 in cash back when they spend $500 or more within the first three months of account opening. This offer will end on January 15, 2026 at 9:00 AM ET.
This is the highest offer on the card since March, so now is a great time to apply.
The bonus is even more valuable if you also have a card that earns Chase Ultimate Rewards points, meaning you can convert the cash back into points and transfer them to one of Chase’s transfer partners.
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Since this is a Chase card, remember that it adheres to Chase’s 5/24 rule.
Related: Chase Credit Card: Best time to apply based on offer history
Chasing freedom and unlimited benefits
The downside to cards with no annual fees is that they tend to have fewer benefits than more premium cards. despite this, Unlimited freedom There are some good features worth highlighting:
- Car rental protection: You’ll have rental car insurance that covers reimbursement for theft and collision damage in addition to your personal coverage in the U.S.
- Trip Cancellation and Interruption Insurance: If severe weather, illness, or other covered circumstances cause your travel plans to be canceled or interrupted, eligible travel expenses on your card will be covered up to $1,500 per person and up to $6,000 per trip.
- Extended warranty protection: You can extend your warranty by an additional year on top of your original qualified warranty of three years or less.
- Purchase protection: Your purchase is protected against theft and damage for 120 days from the date of purchase, up to $500 per item.
If you don’t have another card with stronger travel insurance and purchase protection, this is a good amount of coverage for a card with no annual fee.
Related: Why the Chase Freedom Unlimited should be the first card in every student’s wallet
Earn cash back with Chase Freedom Unlimited
along with Unlimited freedomyou’ll typically earn:
- Get 5% back when you book travel with Chase Travel℠
- 3% back on dining (including takeout and eligible delivery services)
- 3% rebate at drug store
- All other purchases receive 1.5% back
While none of the bonus categories are eye-catching, it’s hard to find a card with a bonus category and a flat rate higher than 1% on all additional purchases. The bonus categories are good, but the ability to earn 50% more on non-bonus payouts makes this card shine.
If you’re looking for a card that earns more than 1% back on non-reward spending, this is an excellent choice.
Related: The best cards to pair with Chase Freedom Unlimited
Redeem cash back on Chase Freedom Unlimited
You can redeem the cash back you earn Unlimited freedom As a statement credit or direct deposit to most U.S. checking and savings accounts at a value of 1 cent per point. You can also redeem your rewards for gift cards or use them to book travel with Chase Travel for equal value.
If you have the right card pairing, you can convert your rewards into transferable Chase Ultimate Rewards points and get even more value with Chase’s valuable transfer partners.
Related: New to travel rewards? This is the perfect beginner deck set
Transfer cash back with Chase Freedom Unlimited
alone, Unlimited freedom is a true cash back card that doesn’t allow you to transfer rewards to travel partners.
However, if you also have Chase Sapphire Preferred Cardthis Chase Sapphire Reserve or Ink Business Preferred® Credit Cardyou can combine your rewards and unlock a full list of Chase’s hotel and airline partners.
Information on preferred ink businesses is independently collected by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
TPG staff particularly value the option to transfer Chase Ultimate Rewards points to World of Hyatt.
Some of us, like TPG Senior Director of Content Summer Hull, prefer to use these rewards to book high-end Hyatt hotels that may be out of budget. Other employees prefer to stretch our rewards by taking advantage of great deals at Hyatt Category 1 hotels.
In addition to World of Hyatt, Chase partners with other valuable programs such as British Airways Club, KrisFlyer Singapore and United MileagePlus.
Related: Chase Ultimate Rewards Points: How to Redeem for Maximum Value
What cards can compete with Chase Freedom Unlimited?
However, depending on the majority of your spending, there may be another card that better suits your needs, even if your focus is earning cash back rewards. like Unlimited freedomthese options also earn cash back rewards and have no annual fee:
For other options, check out our lists of the best cash back cards and best cards with no annual fee.
RELATED: Chase Freedom Flex vs. Chase Freedom Unlimited Compare: Rotating Categories or Fixed Cash Back?
Is chasing infinite freedom worth it?
since Unlimited freedom With no annual fee, you can enjoy earning your rewards without having to justify the price you pay to keep them every year. If you already have the Chase Ultimate Rewards Points Card, you can maximize your rewards earning potential. However, if you’re only focused on cash back rewards, you’ll probably want a card with a higher yield.
Related: How to Choose a Cash Back Credit Card
bottom line
this Chasing unlimited freedom is a great card for everyday non-rewards spending and offers incredible value when paired with better Chase cards. Whether you’re a beginner or a pro looking for a supplement card to add to your portfolio, Freedom Unlimited is an excellent choice.
Apply here: Chasing unlimited freedom
