Chase Freedom Unlimited Visa Card Calculator

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.
Last Updated: 2020-09-17

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.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

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.

Sign Up Bonus

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.

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.

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
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Compare A Card
Family Cards
These cards are part of the same family.
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Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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Category 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.
Categories
Order
Options
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.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.
$0

Rakuten Rewards

$20 Bonus
Earn $20 or 2,000 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $20+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
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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