WOW! Signup For Chase Freedom Unlimited® And Earn 3-10 Points Per Dollar Everywhere For A Year!

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Update: DEAD! Don’t miss it if this becomes alive again. Sign up for deal notification alerts here! The new offer is for a bonus 1.5 points per dollar, but has a cap of 30K bonus points.

Update: This is the final call for the Chase Freedom Unlimited® limited time offer!

Apply right now if you want to take advantage of this offer and earn 3-10 points everywhere for a year! 

WOW! Signup For Chase Freedom Unlimited® And Earn 3-10 Points Per Dollar Everywhere For A Year!

Special signup offer:

Open a Chase Freedom Unlimited® Visa with this link and after your first cardmembership year, Chase will match all of your earnings from the first year with no cap!

That’s a truly incredible offer, especially as this card offers such strong earnings.

Officially this card offers 1.5% cash back, 3% cash back, and 5% cash back categories, but you’ll actually receive 1.5, 3, or 5 Ultimate Rewards points per dollar. Those points can be used for cash back, but they can also be used for travel where they can be worth much more than that. With this offer, those earnings will be doubled for the first year, as explained below.

Annual fee: 

None

Signup bonus terms: 

You won’t get approved for a Freedom Unlimited Visa if you currently have a Freedom Unlimited Visa or if you received a signup bonus on a Freedom Unlimited card in the past 24 months.

If you have a current Freedom Unlimited Visa, you can call or message Chase to convert it to another card and then apply for this offer after waiting a few days.

5/24:

Some Chase cards are subject to 5/24 restrictions, meaning that you might not be approved if you have been approved for 5 or more consumer credit cards in the past 24 months. Enforcement of 5/24 has been patchy for the past year and the only way to know if you can get approved is by trying to apply.

Note that the Chase system automatically counts cards like authorized user cards and store cards as cards that count towards 5/24, but if you explain to Chase that those cards are merely authorized user cards or store cards they can manually approve you for a new card.

You can check your credit report for free at the federally authorized annualcreditreport.com to check how many accounts are shows as being open in the past 24 months.

Card earnings: 

The Chase Freedom Unlimited® Card is an amazing all-around no annual fee credit card. It’s marketed as earning 1.5%-5% cash back, but it actually earns 1.5-5 Ultimate Rewards points per dollar everywhere. As each point can be worth 1.5-2 cents (or more) each, that’s like earning 2.25%-10% back everywhere!

With this offer, those earnings will be doubled for a year, so you’ll earn 3-10 Ultimate Rewards points per dollar everywhere. As each point can be worth 1.5-2 cents (or more) each, that’s like earning 4.5%-20% back everywhere!

• 1.5 Ultimate Rewards points per dollar everywhere, marketed as 1.5% cash back.
  • At the end of the first year, Chase will double your earnings so that you will earn 3 points per dollar everywhere!
• 3 Ultimate Rewards points per dollar on drugstore purchases, marketed as 3% cash back.
  • At the end of the first year, Chase will double your earnings so that you will earn 6 points per dollar on drugstore purchases!
• 3 Ultimate Rewards points per dollar on dining purchases, marketed as 3% cash back. This includes dining in, takeout, and restaurant delivery apps.
  • At the end of the first year, Chase will double your earnings so that you will earn 6 points per dollar on dining purchases!
• 5 points per dollar on all travel purchased through the Chase Ultimate Rewards portal, marketed as 5% cash back.
  • At the end of the first year, Chase will double your earnings so that you will earn 10 points per dollar on Chase travel purchases!
• 5 points per dollar on Lyft spending through 3/31/25, marketed as 5% cash back.
  • At the end of the first year, Chase will double your earnings so that you will earn 10 points per dollar on Lyft purchases!

0% APR:

You will pay 0% APR on purchases made during the first 15 months of cardmembership!

Card benefits:

• Trip Cancellation/Trip Interruption Insurance
• Purchase protection for items damaged or stolen within 120 days
• Extended warranty protection
• 3 months of Doordash Dashpass

Increased points value:

You can cash out your points for 1% cash back. I hope that you won’t do that.

If you or someone in your household has an Ink Business Preferred® Credit Card Card or Chase Sapphire Preferred® Card you can redeem Chase Ultimate Rewards points earned from any card at a value of 1.25 cents towards paid travel.

If you or someone in your household has a Sapphire Reserve you can get a value of 1.5 cents per point towards paid travel.

The Freedom Unlimited card can’t transfer points directly into miles, but Chase allows you to transfer points to cards where they can be transferred into miles or redeemed for a greater value. My aim is to receive a value of 2 cents per point via transfers to miles, meaning you earn up up to 20% back for your purchases in the first year.

Airline and hotel points transferability:

If you or someone in your household has a Chase Sapphire Preferred® Card, Sapphire Reserve, or Ink Business Preferred® Credit Card you can transfer Chase Ultimate Rewards points into valuable airline and hotel mileage currencies.

Card convertibility:

You can call Chase to convert this card or any of the following cards into another card from the list below:

• Chase Sapphire Preferred® Card ($95 annual fee)
• Chase Sapphire Reserve® Card ($550 annual fee)
• Chase Freedom Unlimited® Card ($0 annual fee)
• Chase Freedom Card ($0 annual fee)
• Chase Freedom Flex Mastercard ($0 annual fee)

Note that some reps will only allow card conversions after you have had the card for 12 months.

Killer Combos:

Stacking multiple Ultimate Rewards cards together can supercharge your earnings by getting you more points per dollar while increasing the value of all your points.

Read more about this strategy in depth in this post.

A Chase Bifecta would consist of a household that has the Chase Sapphire Preferred® Card or Sapphire Reserve and the Ink Unlimited. The total effective annual fees would be either $95 with Chase Sapphire Preferred® Card or $250 with Sapphire Reserve after accounting for that card’s $300 annual travel credit. With the Chase Sapphire Preferred® Card+Ink Unlimited you would earn 1.5 points per dollar everywhere, 2.1 points per dollar on all travel, 3 points per dollar on drugstores, 3.1 points per dollar on dining, streaming, and online grocery shopping, and 5.1 points per dollar on travel booked via Chase. You’ll be able to transfer all of your points into airline miles or hotel points.

A Chase Trifecta adds a no annual fee card like Ink Cash or Chase Freedom Flex into the mix, so your total effective annual fee will still be $95 or $250. Both of those cards give options to earn a whopping 5 points per dollar in various categories on top of the 2-3 points per dollar that the Sapphire cards offer and the 1.5-5 points per dollar everywhere else with a Freedom Unlimited card. Read more about Freedom Flex here and read more about Ink Cash here.

Having all 3 Chase Ink cards means you can take advantage of bonus points on all purchases that you make while not having any effect on your personal credit.

A Chase Quadfecta would add both the Ink Cash and Chase Freedom Flex on top of a Sapphire card and an Unlimited card, so your total effective annual fee will still be just $95 or $250. The Quadfecta is the sweet spot and allows you to really supercharge your spending everywhere.

A Chase Quinfecta could add the Ink Business Preferred® Credit Card to that mix, adding $95 to the annual fee total. This make sense if you spend money on shipping, social media advertising, or search engine advertising, or if you want free cell phone insurance.

Alternatively, you can create a Chase Quinfecta by adding the Chase United Explorer card, United Club Infinite Card, United Gateway℠ Card, United Quest℠ Card, or Chase United Business Card into the mix. Those cards don’t earn Ultimate Rewards points, but it makes your Ultimate Rewards points more valuable. Having a United card enables you to have access to significantly expanded United saver and standard award space in addition to benefits like 2 free club passes, a free checked bag, a free carry-on bag, and priority boarding, even when you’re on a basic economy fare. See more about those benefits here.

Again, all of these cards don’t need to be in one person’s name. 2 people from the same household can split up the requisite cards that make up the Quinfecta, as they can transfer the Ultimate Rewards points back and forth between themselves freely and they can add each other as an authorized user on their cards!

Airline transfer partners:

Combined with a Sapphire card, you can transfer points at a 1:1 ratio to:

• United (Star Alliance)
• Air Canada Aeroplan (Star Alliance)
• Singapore (Star Alliance)
• Air France/KLM Flying Blue
• British Airways (OneWorld)
• Aer Lingus (OneWorld)
• Iberia (OneWorld)
• Qatar (OneWorld, transfer via BA)
• Emirates
• JetBlue
• Southwest
• Virgin Atlantic

Hotel transfer partners:

Combined with a Sapphire card, you can transfer points at a 1:1 ratio to:

• Hyatt
• IHG
• Marriott

You can also transfer to Hilton at a 1:1.5 ratio by transferring via Virgin Atlantic.

The great thing about Chase Ultimate Rewards is how versatile and valuable they are:

The Ink Business Preferred® Credit Card and Chase Sapphire Preferred® Card cards allow you and anyone in your household to transfer Chase points into miles. They also allow you to use points at a value of 1.25 cents each towards travel.

The Sapphire Reserve also allows you and anyone in your household to transfer Chase points into miles. Plus it allows you to use points at a value of 1.5 cents each towards travel.

The fixed value is excellent and doesn’t require hunting down award space, but those points can be much more valuable by transferring them into airline miles or hotel points. You can get a value of 2 cents or much more when redeeming miles!

The fixed value is excellent and doesn’t require hunting down award space, but those points can be much more valuable by transferring them into airline miles or hotel points. They can easily be worth 2 cents each or much more than that!

• If I want to stay in a 5 star Park Hyatt in the Maldives, Melbourne, NYC, Paris, Sydney, or Tokyo that would cost over $1,000/night, I can instantly transfer 25-40K points to Hyatt to do that, a value of up to 6 cents per point.
• If I need a one-way flight from Cleveland (or Chicago, Detroit, Miami, Montreal, Orlando, Pittsburgh, Toronto, etc) to NYC that can cost $500 each way, I can instantly transfer 7.5K points to British Airways to book a short-haul on American with no last minute booking fees. Or if American doesn’t have availability I can instantly transfer 10K points to United for their short-haul award. That’s a value of up to 7 cents per point.
• Air Canada offers one-way short haul awards for just 6K miles. You can also get stopover awards for 5K miles, build round-the-world awards, and get free lap child awards in the US/Canada and bring lap children to anywhere else in the world for just C$25!
• If I want to stay in a non-chain hotel that costs $300/night and don’t want to pay cash, I can redeem 20K points for the room thanks to my Sapphire Reserve card’s minimum redemption value of 1.5 cents per point or 24K points with the Chase Sapphire Preferred® Card ’s minimum redemption value of 1.25 cents per point
• Flying Blue has award flights to Israel for 25K miles for adults or 18,750 miles for kids.
• If I want to fly in a $25,000 ANA First Class Suite round-trip from the US to Tokyo, I can instantly transfer 145K or 160K points to Virgin Atlantic. That’s a value of up to 23 cents per point. You can now redeem one-way awards for half the price as well!
• If I want to book a $2,281 business class ticket on Air Canada to Tel Aviv I can redeem 152K points for the flight thanks to my Sapphire Reserve card’s minimum redemption value of 1.5 cents per point or 182K points with the Chase Sapphire Preferred® Card ’s minimum redemption value of 1.25 cents per point, plus I’ll earn Qantas miles for more future travel as it’s considered a paid flight instead of an award flight.
• And thousands of other possibilities from Singapore couples suites to booking Southwest awards with 2 free bags and free cancellations, to stealing 2nd base in middle of an MLB game.

Dan’s Quick Thoughts

This is an incredibly generous special offer for a card that already had excellent earnings for everyday purchases!

With no annual fee, this is a no-brainer to pickup. The more you spend in the first year, the bigger your effective signup bonus will be!

If you’re a big spender, opening this card offer will be especially lucrative.

It’s worth noting of course that you may be better off opening the Ink Business Unlimited® Credit Card Card which earns 1.5 points per dollar everywhere, but also comes with a 90,000 point signup bonus for spending $6,000 in 3 months. Read more about that limited time offer here.