Earning Rates

The Chase Freedom Unlimited Card earns Ultimate Rewards points that can be redeemed for cash back and other rewards. It earns points at the following rates:

  • 5% cash back on travel purchased through Chase Travel.
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services.
  • 3% cash back on drugstore purchases.
  • 1.5% cash back on all other purchases.

Rewards Value & Calculator

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Key Benefits

Here are the main benefits of the Chase Freedom Unlimited:

  • Travel & Purchase Coverage: Trip Cancellation Insurance, Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection, and Extended Warranty Protection.

Transfer Partners & Conversion Calculator

Points earned with the Chase Freedom Unlimited Card cannot be transferred directly to other programs, but you can transfer them to an eligible Ultimate Rewards credit card first and then transfer them to Chase's airline and hotel partners.

Eligible cards include:

This means that pairing the Chase Freedom Unlimited with any of the cards above will allow you to redeem your points for more than the average value towards travel. This can easily make your points worth 1.25 cents or more per point!

Fees

Annual Fee

The Chase Freedom Unlimited Card has a $0 annual fee.

With several solid 3% back categories and a base earning of 1.5% back on all other purchases, this is very well worth having.

Authorized User Fee

There is no fee to add additional users to the Chase Freedom Flex. Adding family and friends as authorized users can help build rewards faster.

Foreign Transaction Fee

The Chase Freedom Unlimited has a 3% foreign transaction fee. That makes this a bad choice for international travel and spending.