7 Freedom Unlimited Benefits That You Didn’t Know About
-
Written by
Stacy Sare Cohen
-
Edited by
Emily Gadd
Begin with an intro APR on purchases and balance transfers. Add 5% cash back on eligible travel and 3% on dining — in or out. Top it off with an attractive welcome bonus and multiple redemption options, and you’ve got the Chase Freedom Unlimited® credit card, a cash-back rewards card with no annual fee and some benefits you didn’t know about that maximize your spending power.
400+ Credit Cards
Analyzed independently across 50+ data points in 30+ product categories
Reviewed
By a team of credit card experts with an average of 9+ years of experience
Trusted by
More than one million monthly readers seeking unbiased credit card guidance
CardCritics™ editorial team is dedicated to providing unbiased credit card reviews, advice and comprehensive comparisons. Our team of credit card experts uses rigorous data-driven methodologies to evaluate every card feature, fee structure and rewards program. In most instances, our experts are longtime members or holders of the very programs and cards they review, so they have firsthand experience maximizing them. We maintain complete editorial independence — our ratings and recommendations are never influenced by advertiser relationships or affiliate partnerships. You can learn more about our editorial standards, transparent review process and how we make money to understand how we help you make informed financial decisions.
1. Welcome Bonus
The Freedom Unlimited card offers a generous welcome bonus of $200 cash back after you spend $500 on purchases in the first three months of account opening
2. Ongoing Rewards
The Freedom Unlimited card holders receive valuable rewards in multiple bonus categories, ranging from 1.5% to 5%.
- 5% cash back on travel services booked through ChaseTravel.
- 3% cash back on restaurant purchases, including dining in, ordering takeout and eligible delivery services.
- 3% back on drugstore purchases
- 1.5% cash back on the rest of your purchases
3. Low Intro APR and No Annual Fee
Some credit cards lure customers in with an introductory 0% APR offer. The term can typically last anytime from six to 21 months. Cardholders don’t pay interest on new purchases or balance transfers during this period. This can be a great incentive if you’re planning on making a large purchase or need to transfer a balance from another credit card.
Terms and conditions vary depending on the card. Cash advances for most cards are usually excluded.
Chase has a 0% APR introductory offer on purchases and balance transfers for the first 15 months the account is open, which is longer than many cards that also offer rewards. After the term ends, the Freedom Unlimited card will incur interest rate charges from 18.74% - 28.24% Variable. The exact interest rate depends on the market, your credit score and other factors.
4. Chase Ultimate Rewards Points
The Freedom Unlimited card is more than a basic cash-back rewards card. Depending on your purchase category, you can earn Chase Ultimate Rewards® points for various point values. These are some ways to redeem your Ultimate Rewards Points with Freedom Unlimited Benefits you might not know about.
- Gift cards: one cent per point
- Amazon purchases: 0.8 cents per point
- Travel reservations booked through Chase Travel: one cent per point
5. Combine Points With Other Chase Cards
Are you a cardholder of other Chase cards, such as Chase Sapphire Reserve® or the Chase Sapphire Preferred® Card, that earn transferable Ultimate Rewards points?
If the answer is yes, Chase’s new Points Boost feature can increase the redemption value of your points up to 1.75 cents per point on the Sapphire Preferred Card or up to 2 cents per point on Sapphire Reserve through the Chase Travel portal.
6. Free DoorDash DashPass Subscription
DoorDash has just extended its partnership with Chase for another three years. What does this mean for you? If you activate this offer by January 31, 2025, you’ll receive a DashPass membership for three months and discounts for the rest of the year.
Starting February 1, 2025, you can receive a free membership for six months. Benefits include one credit up to $10 on grocery, convenience store and non-restaurant deliveries every three months.
Chase card members can also take advantage of a $5.00 in-app credit for food deliveries through January 31, 2025. Beginning February 1, 2025, credits will only apply to restaurant orders. These Freedom Unlimited perks are great for people who want to take the occasional night off to save money on restaurant delivery.
7. Multiple Redemption Options
If you prefer having the cash, you can redeem your rewards for cash back which is the most popular reward at about one cent for every point. However, there are many other ways to redeem your earnings. One option is to directly deposit your rewards into a savings or checking account. You can also apply your earnings as a statement credit.
There’s no minimum to use the Freedom Unlimited benefits, so you can redeem your rewards anytime. Other ways to redeem your rewards include Apple purchases through the Chase portal, on Amazon.com, on travel reservations booked through Chase Travel. You can also use your points to send friends and family gift cards, which is a great convenience around the holidays, or for birthdays and special occasions.
It’s important to note that point values can vary depending on how they’re spent. Always check the terms and conditions of your card or reach out to Freedom Unlimited Benefits customer service.
Bottom Line
If your credit score is 670* or higher, the Chase Freedom Unlimited® Card is a great cash back rewards credit card with no annual fee that offers abundant benefits and perks with a lengthy intro APR period at a time where interest rates are high. If you’re still building your credit, it might be better to look into other options for a better chance of acceptance. To learn more, read our Freedom Unlimited Review.
The information related to the Chase Sapphire Reserve® was collected by CardCritics™ and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardCritics™ does not receive a commission for this product.
Frequently Asked Questions
What benefits come with Chase Freedom Unlimited® card?
The Freedom Unlimited credit card offers 1.5% cash back on every purchase. Other benefits include 5% cash back on travel purchased through Chase Travel, 3% on dining at restaurants and takeout and eligible delivery services, 3% in drugstores that don’t require any special restrictions or codes to enter and a subscription to DoorDash Pass with various savings when you activate.
What is the difference between Chase Freedom and Freedom Unlimited?
The Chase Freedom credit card is no longer available. However, when comparing the two cards, Freedom Unlimited is a better card due to its simple and predictable terms, also making it a budget-friendly card option. To get good rewards, Chase Freedom required arranging your spending to its rotating bonus categories.
Is the Chase Freedom Unlimited® good for travel?
The Freedom Unlimited card is excellent for booking travel, offering 5% cash back on travel booked through the Chase Travel portal. If you spend $10,000 on your flight and hotel accommodations ordered through Chase Travel, you’ll receive $500 cash back. It does charge a foreign transaction fee so when it comes to making purchases outside of the US it is not the best option.
Is Chase Freedom Unlimited® hard to get?
The Freedom Unlimited card might be difficult for people with a low credit score to qualify for because it typically requires a good credit score of 670 or higher. One option is to apply for the Chase Freedom Rise® Credit Card which is a good option for consumers new to credit.
