Chase Freedom Unlimited Card - Cash Back Calculator

Chase Freedom Unlimited Card

1.5% All Purchases

Calculate the cash value of the Chase Freedom Unlimited Card based on spend and compare those results side by side against any credit card.


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The Chase Freedom Unlimited Card works wonders for anyone looking for an easy 1.5% cash back earning card. It also makes for a great back up card for miscellaneous categories that other Chase cards such as the Chase Freedom or any Ultimate Rewards Point earning credit card may not cover since cash back and points can be interchanged if you have a point earning Chase card. I would recommend picking this up if you're serious about earning cash back or points with Chase Bank.

Bonus Categories

The Chase Freedom Unlimited Card earns cash back at a flat rate per $1 spent. There is no limit to the amount of cash back you can earn spending on this card.

1.5% All Purchases

The Chase Freedom Unlimited Card is marketed as an unlimited 1.5% cash back card when in reality it's earns 1.5x Ultimate Rewards Points per $1 spent. That sets this card apart from other '1.5% cash back' cards as Ultimate Rewards Points can have more than a 1.5% return. Owners of the Chase Ink Business Preferred Card and Chase Sapphire Preferred Card will earn the 25% boost to the value of points redeemed on the Chase Travel Portal giving this card a return of 1.875%. You can take it a step farther with the luxury Chase Sapphire Reserve which earns a 50% boost giving the Chase Freedom Unlimited Card a return of 2.25% per $1 spent! As you can see, the ability to earn Chase Points and/or Chase cash back can provide lots of options. If you own any of those three Ultimate Rewards Point Cards, you'll even be able to transfer them to any of Chase's 10+ Ultimate Rewards Point Travel Partners which includes airlines such as British Airways and United Airlines as well as hotels such as Marriott and Hyatt.

Perks and Benefits

Standard Chase Benefits

There are no perks or benefits specific to the Chase Freedom Unlimited Card itself, but it does feature the standard Chase benefits everyone loves including zero liability protection, purchase protection, extended warranty, fraud protection, and fraud alerts.

Sign Up Bonus

The standard Chase Freedom Unlimited Card sign up bonus is $150 bonus (or 15,000 Ultimate Rewards Points) after you spend $500 on purchases in the first 3 months from account opening. For Ink Business Preferred and Chase Sapphire Preferred card holders, this bonus is worth $187. For anyone holding the elite Chase Sapphire Reserve, this bonus is worth $225.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

There is no annual fee for the Chase Freedom Unlimited Card. You will always come out with a positive return when running everyday spend through the card.

Authorized User Fee

The Chase Freedom Unlimited Card does not charge an authorized user fee. I recommend adding friends and family to the card if you want to rack up cash back and Ultimate Rewards Points faster!

Foreign Transaction Fee

Unfortunately, the Chase Freedom Unlimited Card has a 3% foreign transaction fee. This fee will eat away the rewards at double the rate in which they are earned. Do not use this card for purchases outside of the United States!

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
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Page Last Updated: 2018-11-07

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


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