Earn 3X Ultimate Rewards Everywhere with Chase Freedom Unlimited

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Chase Freedom Unlimited 3x offer

Earn 3X Ultimate Rewards Everywhere with Chase Freedom Unlimited

The Chase Freedom Unlimited credit card has a new offer that we first saw last year. There’s no immediate signup bonus, but you get double earning everywhere for a year. You can read our full review here. Now let’s look at the details of the offer, that’s available in branch only.

The Offer

  • Earn 3% cash back on every purchase during your first year, up to $20,000. After that, earn unlimited 1.5% cash back on every purchase.

Offer is available in branch only for now.

Bonus Restrictions

The Chase Freedom Unlimited credit card does fall under the dreaded 5/24 rule. You can not sign up for the card if you have had more than 5 new credit accounts within the last 24 months.

The Chase Freedom Unlimited credit card also has the standard 24 month bonus restriction language:

“This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.”


Earning 3% on all purchases for a year is a pretty sweet offer, even if the signup bonus is removed. However, this time around they put a cap on spending, $20,000.

With Chase Freedom Unlimited cashback gets even better. It becomes 3X Ultimate Rewards points everywhere if you have a Chase premium card that them available to transfer to travel partners. The cards that make this possible are the Ink PreferredInk PlusSapphire Preferred, and Sapphire Reserve. So you can earn a total of 60,000 points through this new signup bonus.

Most people value transferable Ultimate Rewards points at around 1.5 cents a piece.  That would increase the card’s return to 4.5% for the first year and 2.25% after that.


Chase Freedom Unlimited usually has a $150 welcome offers and occasionally targeted $300 offers. The main issue is that the card falls under 5/24, so not many people will be able to apply. Then if you are under 5/24 you have to make a decision if it is worth it for you compared to other Chase cards.

Let us know what you think.



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