Chase Freedom Unlimited Card Calculator

Card Details & Chase Cash Back Calculator
5% Lyft
1.5% Other Purchases

Review the benefits of the Chase Freedom Unlimited, calculate how much cash back you can earn based on spend, and compare results side by side top cards.

The Chase Freedom Unlimited Card is a 1.5% cash back earning card. Outside of being a great card to pair with other Chase cash back cards such as the Chase Freedom, this card works wonders for those with an Ultimate Rewards credit card. This is because Chase allows you to convert cash back into Ultimate Rewards Points at a 1 cent for 1 point ratio. That means you can pair this card with the Chase Sapphire Reserve or Chase Sapphire Preferred to make sure you're never earning less than a 1.5% return on any purchases. So regardless of whether you want to pair this with a cash back or Ultimate Rewards credit card, this is an essential card to have if you plan on earning rewards with Chase credit cards.

Bonus Categories

The Chase Freedom Unlimited Card is a flat rate cash back card. It earns an unlimited 1.5% cash back per $1 ran through the card. As part of the Chase-Lyft partnership, the Chase Freedom Unlimited Card earns 5% cash back on Lyft purchases. There's no limit to the amount of cash back you can earn spending with Lyft or spending on the card overall.

  • 5% Lyft
    • All Chase cash back and Ultimate Rewards credit cards feature Lyft as a bonus category.
    • Part of the Chase-Lyft partnership which lasts until March 2022.
  • 1.5% All Purchases

Perks & Benefits

The Chase Freedom Unlimited Card features benefits with DoorDash along with the standard Chase protections.

  • DoorDash Benefits
    • 3 months of DashPass membership; 50% off DashPass after membership expires (auto enrolled).
  • Purchase Coverage
    • Purchase Protection
    • Extended Warranty Protection
    • Fraud Protection

Sign Up Bonus (SUB)

The standard Chase Freedom Unlimited Card sign up bonus is $150 bonus after you spend $500 on purchases in the first 3 months from account opening which is a pretty solid bonus for a no-annual fee card.

If you have an Ultimate Rewards credit card, this bonus is equal to 15,000 Ultimate Rewards Points which is worth $187 or $225 depending on which Ultimate Rewards credit card you have. It can also be worth 15,000 airline miles or hotel points when transferred to Chase's airline and hotel partners.

Chase sometimes offers a $200 sign up bonus on this card after the same $500 in spend across the card within 3 months from account opening.


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 or 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. I do not recommend using this card for international purchases.

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 other rewards card side-by-side by clicking on the Compare A Card button.
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Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
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Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
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Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
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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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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