We’ve sung the praises of the Chase Sapphire cards quite a bit…
But what if you’re looking for a no-fuss card with rewards that you can depend on? Meet your new bestie — the Chase Freedom Unlimited®.
This card is all about flexibility, everyday rewards, and no annual fees. If you’re someone who wants a steady stream of points without overcomplicating things, this is a solid option for you.
Let’s dive into what makes the Freedom Unlimited stand out.
Here’s everything we’ll dive into:
Pros and Cons
Let’s get into it, shall we?
Pros:
Earn 5% cash back on travel purchased through Chase Cash Back Rewards
Earn 3% cash back on dining, including takeout and delivery, and on drugstore purchases.
Earn 1.5% cash back on all other purchases—no categories, no caps.
Cashback can be redeemed for statement credits, gift cards, or even travel through Chase (although…this is not your best option)
Low-risk choice for beginners and a great addition for seasoned cardholders
Cons:
No flashy perks like lounge access or travel credits
The 5% travel and 3% dining rewards make this a great all-rounder but not a luxury travel card
Why We Love the Chase Freedom Unlimited
For starters, this card is ridiculously simple. The card earns at least 1.5% on everything—no need to track bonus categories or fuss over spending thresholds. And if you’re already in the Chase Ultimate Rewards ecosystem, these points can become even more valuable when paired with a premium card like the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®.
The welcome offer sweetens the deal, especially if you’re planning big purchases within the first year. And the fact that there’s no annual fee? That’s just the cherry on top!
Pairing the Freedom Unlimited with Other Chase Cards
This card isn’t meant to be a standalone hero—it’s a team player. If you have a Chase Sapphire card, you can transfer your Freedom Unlimited rewards to that account and unlock even more value by using Chase’s travel partners. Think of it as the peanut butter to your Sapphire’s jelly.
Here’s how that works. The 1.5% cash back from the Freedom Unlimited becomes transferable to travel partners when paired with a Sapphire card. That means your everyday grocery runs or Amazon purchases can eventually turn into flights, hotel stays, or even first-class upgrades when you use a little strategy.
This pairing also helps maximize category bonuses. Use your Sapphire card for dining and travel purchases to earn 3x or 5x points and let the Freedom Unlimited handle everything else with its 1.5x rate. Together, they create a dynamic duo that ensures you’re earning the most points possible on every single purchase.
If you’re already dabbling in Chase Ultimate Rewards, the Freedom Unlimited is the perfect card to fill in the gaps and supercharge your points-earning potential.
To Wrap Things Up
The Freedom Unlimited is a no-brainer for anyone looking to earn on every dollar they spend without paying an annual fee. Whether you’re new to the world of rewards cards or want a simple way to maximize your everyday spending, this card delivers.
Now, the ball’s in your court. Is this the right fit for your wallet? Only you can decide, but we’re giving it two enthusiastic thumbs up!
