Chase Freedom Unlimited Card (UR) Calculator

Card Details & Chase Points Calculator
5x Chase Ultimate Rewards Travel Portal
5x Lyft
3x Dining
3x Drugstore
1.5x Non-Category

Calculate how many Ultimate Rewards Points you can earn with the Chase Freedom Unlimited Card based on the new categories being added September 2020.


The Chase Freedom Unlimited earns a high amount of cash back on purchases made through the Chase Ultimate Rewards portal as well as a great amount on dining and drugstore purchases. Since it has no annual fee and you can convert cash back to Ultimate Rewards Points, it's a great card to have if you're looking to maximize your earnings in the program.

This is the Ultimate Rewards Points Calculator for this credit card. If you want to calculate cash back, you can use the Chase Freedom Unlimited Cash Back Calculator.

Bonus Categories

The Chase Freedom Unlimited Card has four bonus categories which are travel purchases through the Chase Ultimate Rewards portal, dining, drugstore, and Lyft. There's no limit to the amount of cash back you can earn spending in these categories and no limit to the amount of cash back you can earn with the card overall.

  • 5x Chase Travel
    • Travel must be purchased through the Chase Ultimate Rewards Portal.
  • 5x 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.
  • 3x Dining
  • 3x Drugstore
  • 1.5x Non-Category

Perks & Benefits

The Chase Freedom Unlimited includes DoorDash benefits and Chase's usual line-up of travel and purchase protections.

Sign Up Bonus (SUB)

The sign up bonus for the Chase Freedom Unlimited Card is $200 after spending $500 within the first 3 months of account opening. This is equal to 20,000 Ultimate Rewards Points which can be worth $250-$300 depending on the Ultimate Rewards Card you own. It can also be transferred to partners for 20,000 airline miles or hotel rewards points which can give you significantly more value.

You'll also earn 5x on grocery store purchases (does not include Walmart or Target) on up to $12,000 spent in the first year. This is a superb return depending on how you redeem your points.

Fees

Annual Fee

The Chase Freedom Unlimited Card does not have an annual fee which is great considering the earning rates of the card.

Authorized User Fee

There is no fee to add authorized users to the Chase Freedom Unlimited Card. I recommend adding friends and family to the card to easily help build up your rewards.

Foreign Transaction Fee

The Chase Freedom Unlimited Card has a 3% foreign transaction fee making it a bad choice for international spending.

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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Categories Spending
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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Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
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.
Copy Spend
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.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
$0
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
$0
Total Return
The percent you are earning based on spend, earnings, and fees.

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