Cash Back Calculator: Chase Freedom Unlimited

One of the best no-annual fee cash back credit cards on the market is the Chase Freedom Unlimited. Calculate cash back and review the benefits.

The Chase Freedom Unlimited® is one of the best no-annual fee credit cards on the market due to it earning a high return across Chase Travel, dining, and drugstore spending while still offering a base of 1.5% cash back on all other categories. It's a great all-in-one card if you're new to earning rewards or if you want to focus your spend on one credit card. The Chase Freedom Unlimited also pairs well with the Ultimate Rewards credit cards as you'll be able to redeemable rewards at greater value.

Alternate Calculator: If you want to calculate rewards as Ultimate Rewards Points, you can use the Chase Freedom Unlimited Card Points Calculator.
Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

The Chase Freedom Unlimited Card features four categories that earn bonus cash back with Chase. Those categories are Chase Travel, dining, and drugstore. There's no limit to the amount of bonus 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.

As part of the Chase-Lyft partnership lasting until early 2022, the Chase Freedom Unlimited also earns bonus cash back on Lyft spending.

  • 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 offers DoorDash benefits along with your standard Chase credit card benefits which includes great travel protection.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

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.
Compare A Card
Edit Card
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
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Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
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Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Change Order
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.
Type at least 3 characters.
Currently Selected:
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.
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Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
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This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
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Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
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Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
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Unsure of what type of rewards card you're looking for? Use CardMatch™ to get matched with offers, which may include special and/or prequalifed offers, on cards you're more likely to qualify for. You never know what great offers you might receive!


Is the Chase Freedom Unlimited a good credit card?

Yes. It's one of the best no annual fee credit cards on the market thanks to it's high earning rate across several categories and 1.5% back on all other purchases.

Is the Chase Freedom Unlimited good for travel?

Yes. The card earns a very rewarding 5% cash back on travel purchases made through the Chase Travel portal. On top of that, it offers 3% back on dining purchases which a popular category when traveling.

How does Chase Freedom Unlimited Points work?

Cash back earned with the Chase Freedom Unlimited is recorded as Ultimate Rewards Points with each point being worth 1 cent each when redeemed for cash.

How much are Chase Freedom Unlimited points worth?

If you only hold any of Chase's personal or business cash back credit cards, points will be worth 1 cent each. As a holder of the Chase Sapphire Preferred or Ink Business Preferred, points are worth up to 1.25 cents and as a holder of the Chase Sapphire Reserve, points are worth up to 1.5 cents each.

Updated 2021-04-01 By Robert Flowers III

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