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Chase Get Freedom Unlimited Credit Cards - Best to Get Freedom Unlimited Card
get freedom unlimited

The Chase Freedom Unlimited(r) card comes with an incredible rate of return for the card that is free to acquire. You'll get 5% cash back on purchases made via Chase Ultimate Rewards(r), 3.3% cashback on dining out and at drugstores that are eligible and 1.5 percent on other purchases. If you combine Chase Freedom Unlimited with a premium card, Chase Freedom Unlimited with a premium Chase card, you'll be able to combine your points to earn higher value.

The points, also known as Chase Ultimate Rewards(r), which you earn through this Freedom Unlimited card are redeemable for 1 cent per points or through or through the Chase Ultimate Rewards(r) travel portal or as an account credit on your statement. If you also own an elite Chase credit card, such as Chase Sapphire Reserve(r) or the Chase Sapphire Preferred(r) card or Chase Sapphire Reserve(r)--then the points could mix the Chase Ultimate Rewards(r) points to then redeem them at higher rates and transfer them into one of the travel partners to earn possibly greater value.


If, for instance, you are a member of two cards, such as your Chase Freedom Unlimited along with Sapphire Reserve, for example. Sapphire Reserve, your points will be worth more than 50% when you redeem them for travel using the Chase Travel Portal. That means the 5% earned for travel booked through Chase can be effectively worth 7.5 percent back to traveling, while your dining out at restaurants and shopping at drugstores are worth 4.5 percent and your regular expenditures will earn you an impressive 2.25 percent. This is the highest rate of earnings in the industry.


Pros


Minimum 1.5 percent back on each purchase. You can earn up to 5percent or 33% back on selected categories.

There is no annual cost.

It is perfect for everyday, unbonused spending.

It is a great value when it is paired with a top Chase card.

Cons


There is an foreign transaction fee of 3%, therefore the card should not be used overseas.

Benefits and perks of a limited card.



Earn Rewards


The Chase Freedom Unlimited credit card provides a unique reward structure nearly everyone will take advantage of. This is the way it operates:


Get $200 cash back when you make a purchase of $500 within the first three months after the account opening

Earn 5% cash back for up to $2,000 you spend in grocery stores during in your first year (not comprising Target(r) as well as Walmart(r) items)

Earn 3% back when eating out at restaurants, as well as delivery and takeout that is eligible

Earn 5% back on your travel that you book through Chase Ultimate Rewards(r)

Earn 5 percent return on Lyft rides until March 2022.


Earn 3 percent back on your drugstore purchases

Unlimited 1.5 percent cash back on other purchases

Cash back rewards never expire so you keep your bank account remains open. There's also no minimum requirement to redeem rewards in cash back.


Maximizing Rewards On Bonus Categories


Chase Freedom Unlimited's reward categories cover a wide range of expenses that you'll encounter every day, so there are many ways to maximize the value of your everyday spending:


Get 5% cash back up to $12,000 worth of groceries during your first year as an account holder. You can maximize the reward by spending at least $500 per month on food to earn $600 cashback over twelve months of this particular category. Be aware that Chase's grocery category doesn't cover superstores such as Walmart and Target or warehouse clubs such as Costco. The offer is only valid for a brief period You may wish to change to a card that pays more in the grocery store than the normal 1.5 percent within the first one year.

Compare the prices of travel expenses before making a booking. When you book travel via Chase's Ultimate Rewards portal You'll receive an additional 5% on hotel bookings as well as flights or car rentals and much other things. Based on the travel plans you have however, you could lower your cost by as much as 5% booking through other travel websites or directly through the travel company.

Create the Chase Freedom Unlimited the preferred payment option on your Lyft application. Every time you make use of the ridesharing service, you'll receive 5% cashback.

Make use of your card each meal you eat outincluding delivery and takeaway orders to earn 3 percent back at restaurants.

Earn 3% when you purchase prescriptions or other items at the local pharmacy. If you can collect coupons from the drugstore (like the one offered by CVS the profitable ExtraBucks programme, as an example) it can be a great opportunity to save money.


Maximizing Rewards On Every Other Purchase


Although Get Chase Freedom Unlimited's bonus categories are numerous One of its major selling points is its flat 1.5 percent rate for all spending that is not bonus -- more than the 1 % return many other cash-back credit cards give.


An additional .5 percent might seem like a small leap, but in the long run it can amount to a significant amount of money. As an example, let's say you make a total of $12,000 per year which is about $1,000 per month on credit card purchases that are not bonus. If you used a card other than this one this would be equal to $120 in cash back. With this card, you'll receive an additional $60 in total, which is $180 cash back, non-bonus every year.


This makes it a good alternative for expenses that don't fall into the bonuses you earn on this card or another such as bills for utilities and subscriptions, online shopping and many more. Always, be sure to limit your spending to what you're able to pay when the balance on your account is due. The interest accrued on unpaid balances due to this card's high APR is far more than the 1.5 savings you make.



Great Bonus Categories


For as long as you own your Get Freedom Unlimited card, you can earn 5percent back on purchases made on travel through Chase Ultimate Rewards as well as 3% back on drugstore and restaurant purchases as well as 1.5 percent cash-back on other transactions.


This means that this Get Freedom Unlimited card an excellent card to take advantage of multiple bonus categories which include spending on everyday items. Earning 1.5 percent is more than conventional credit cards however, unless you have an account that earns higher rates that is the case, you should make use of this card.


If you're in search of a credit card with no annual fee that will give you a good return on your daily spending The Chase Freedom Unlimited(r) is a great option. You'll earn at minimum 1.5 percent on purchases without spending caps as well as the card's numerous bonus categories could give your earnings a huge increase.


The Chase Freedom Unlimited(r) comes with the welcome bonus of 200 dollars when you make a purchase of $500 within the first three months following the date of account opening. Additionally, new card holders can earn 5% cashback (5x points) in grocery stores (excluding Target and Walmart) for up to $12,000 of spending in the first year following your account's creation (then the rate increases to 1x).


While it's advertised as a credit card with cash-back benefits but it actually rewards you through Chase Ultimate Rewards points, that are worth one cent each time you use them to get cash back. The welcome bonus of $200 is worth 20,000 points. 1.5 percent return on cash is 1.5 cents per dollar and it goes on.


Learn more: The top Chase credit cards.


In addition to the bonus that you'll also get 5% cashback (5x points) for travel booked through Chase and 3percent in back (3x points) on dining out and in drugstores as well as 1.5 percent return (1.5x points) for all other purchases. In addition to earning cash back by redeeming points and other rewards, you can also make use of them to book travel via on the Chase portal, exchange them for gifts cards or use points on Amazon as well as other merchants that are participating.


If you're deciding for the Chase Freedom Unlimited(r) take the time to take a look at its sister card that's The Chase Freedom Flex(sm) which comes with the same welcome offer and does not charge the annual cost. Also, there's another option, which is the Citi(r) Double Cash Card to think about -- although it does not offer an initial bonus, you'll earn 2% cashback on any purchase (1 percent when you purchase the item, and 1% after paying).

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Final Thoughts


With 5% cash back on travel purchases through The Chase Travel Portal, 3 percent back on dining or drugstore transactions, as well as 1.5x earning on other purchases and purchases, the Chase Freedom Unlimited card is a fantastic alternative to make any purchases you make within the categories of bonus that you have set or for those that don't belong in a higher bonus category than another card.


If you're pairing it the card with other Ultimate Rewards credit card, and you redeem for more than one penny per point, however, your points are likely to be worth more than 2percent when you make a redemption. As you've guessed already that transferring your points to Chase's hotel and airline partners is the most effective choice!


If you've read the details of the benefits and benefits, you've a better understanding of the reason Freedom Unlimited card will make an excellent accessory to your wallet.


Since there is no annual fee keeping your card for the long run is beneficial not just for your wallet however, it also helps the credit rating (older accounts are more reliable! ).


It's true that the Freedom Unlimited card does fall under the Chase 5/24 rules, so it's not available to everyone. If it is, it's an excellent card to sign up in order to increase your Ultimate Rewards balance.

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