Chase Freedom Unlimited Card Calculator

Card Details & Chase Cash Back Calculator
5% Chase Ultimate Rewards Travel Portal
5% Lyft
3% Dining
3% Drugstore
1.5% Non-Category

Calculate how much cash back you can earn with the Chase Freedom Unlimited Card based on your spend and compare results side by side top credit cards.


The Chase Freedom Unlimited is a great no-annual fee cash back card that earns a high return on Chase Ultimate Rewards Portal spending, dining, and drugstore purchases. The card also earns a solid 1.5% cash back on all non-category purchases which makes it a great option for miscellaneous spend.

If you want to calculate the rewards in Ultimate Rewards Points, you can use the Chase Freedom Unlimited Card (UR) 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.

  • 5% Chase Travel
    • Travel must be purchased through the Chase Ultimate Rewards Portal.
  • 5% Lyft
    • This category is part of the Chase-Lyft partnership. This category ends March 2022. Unknown if it will be extended beyond that.
  • 3% Dining
  • 3% Drugstore
  • 1.5% Non-Category

Perks & Benefits

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

  • DoorDash Benefits
    • 3 months of DashPass membership; 50% off DashPass after membership expires (auto enrolled).
  • Travel & Purchase Coverage
    • Auto Rental Collision Damage Waiver
    • Trip Cancellation/Interruption Insurance
    • Travel and Emergency Assistance Services
    • Purchase Protection
    • Extended Warranty Protection
    • Fraud Protection

Sign Up Bonus (SUB)

The sign up bonus for the Freedom Unlimited Card is $200 after spending $500 within the first 3 months of account opening. You'll also earn 5% cash back on grocery store purchases (does not include Walmart or Target) on up to $12,000 spent in the first year.

Fees

Annual Fee

The Chase Freedom Unlimited Card does not have an annual fee which is superb considering the earning rates of the card and the fact that you can redeem these rewards for 1.25/1.5 cents if you have an Ultimate Rewards Credit 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 which makes it a bad option for international spend.

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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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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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.
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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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