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3 Amazing Features Of The Freedom Unlimited® That Everyone Misses

3 Amazing Features Of The Freedom Unlimited® That Everyone Misses

June 12, 2017

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There’s no doubt that the Chase Freedom® is one of the most popular reward credit cards of the last decade. With no annual fee, it’s been Chase’s entry-level rewards card that you will find in a huge percentage of American Wallets. Most people just seem to like its formula of offering 5x rewards on up to $1,500 spent each quarter at featured merchants, and 1x elsewhere.

More recently, Chase followed up on its success by introducing the Chase Freedom Unlimited®, which features unlimited 1.5% cash back on all purchases. This is a great offer, but there’s much more to it than that.

Take a look at these three outstanding features of the Chase Freedom Unlimited® that few people know about:

1. Move your rewards to other Chase cards.

The Chase Freedom Unlimited® offers 1.5% unlimited cash back on all purchases, but that’s not all. Your rewards are received as Ultimate Rewards points, which is a loyalty program common to several different cards issued by Chase. When you only have a Chase Freedom® or Chase Freedom Unlimited® card, then you can redeem your points for just one cent each as statement credits, gift cards, travel reservations or other options.

If you have another Chase card that participates in the Ultimate Rewards program, then you can transfer the points earned by your Chase Freedom Unlimited® to another card, such as the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or the Ink Business Preferred℠ Credit Card. Those other cards can offer you valuable ways to redeem your points that the Chase Freedom® can’t, while other cards have the ability to transfer your points to miles with seven different frequent flyer programs or points with four different hotel programs. When you are able to use these points and miles for expensive award flights in business or first class, or luxury hotel stays, it’s possible to realize several cents in value per point redeemed.

Another way to get more value from your Ultimate Rewards points is to redeem them directly for reservations made through the Chase Ultimate Rewards travel center. While the Freedom® card offers one cent point towards travel reservations, the Chase Sapphire Preferred® Card and Ink Business Preferred℠ Credit Card let you redeem your points for 1.25 cents each towards airfare, hotels, car rentals, and activities. Furthermore, the Sapphire Reserve® gives you a whopping 1.5 cents in value per point redeemed for travel reservations.

Therefore, it’s ideal is to have both the Chase Freedom Unlimited® and another Chase card. With the Chase Freedom Unlimited®, you earn 3% cash back on all purchases in your first year up to $20,000. Afer that, you earn unlimited 1.5% cash back on all purchases. With this card, cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.

2. Outstanding benefits.

The Chase Freedom Unlimited® is known for offering competitive rewards and no annual fee. But few cardholders pause to take a look at the valuable cardholder benefits it comes with. For example, it includes a purchase protection program that covers your new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account. You will also receive zero liablity protection, which means that you won't be held responsible for unauthorized charges made with your card or account information. You will also receive Credit JourneySM, which gives you unlimited access to your credit score and more. It's free, even if you are not a Chase customer. Checking your score does not affect your credit.

By understanding these three additional features of the Chase Freedom Unlimited®, you can receive far more value from this card than you might have thought.

Chase Freedom Unlimited®

Credit Recommended (660-850):
Learn More
Chase Freedom Unlimited®
Editor’s Rating: 4.7
Credit Recommended (660-850):
Intro (Purchases)
0% Intro APR on Purchases 15 months
Intro (Transfers)
0% Intro APR on Balance Transfers 15 months
Annual Fee
Learn More on Chase secure website.
Regular APR
17.24% - 25.99% Variable
Rewards Rate
3% cash back offer
Credit Recommended


  • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
See additional details for Chase Freedom Unlimited®

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