[Ending Soon] Signup For Chase Freedom Unlimited And Get $250 In The Form Of 25,000 Points

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Update: This limited-time offer will end on 4/30 at 9am ET. 

Signup For Chase Freedom Unlimited® And Get $250 In The Form Of 25,000 Points

Signup bonus:

You can earn 25,000 Chase Ultimate Rewards points for opening a Chase Freedom Unlimited® card and spending $500 in 3 months. Those points are worth a minimum of $250 cash back, but they can be worth much more as shown below.

This is marketed as a $250 signup bonus, but you’ll actually get 25,000 Ultimate Rewards points for signing up.

Annual fee: 

None

Signup bonus terms: 

• You won’t get the signup bonus on this card if you have received a signup bonus on Freedom Unlimited card within the past 24 months.
• You won’t get approved for this card if you currently have an active Freedom Unlimited card.
• You will get the bonus even if you have an active Freedom, Freedom Flex, or Sapphire card or received a bonus on a Freedom, Freedom Flex, or Sapphire card in the past 24 months.

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 of late and the only way to know if you can get approved is by trying to apply.

It’s unknown if 5/24 restrictions apply to this card.

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: 

• 1.5% cash back everywhere, in the form of 1.5 Ultimate Rewards points per dollar spent.
• 2% cash back on Lyft, in the form of 2 Ultimate Rewards points per dollar spent.
• 3% cash back on drugstore purchases, in the form of 3 Ultimate Rewards points per dollar spent.
• 3% cash back on dining purchases, including dine-in, takeout, and restaurant delivery services, in the form of 3 Ultimate Rewards points per dollar spent.
• 5% cash back on all travel purchased through the Chase Ultimate Rewards portal, in the form of 5 Ultimate Rewards points per dollar spent.

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.

Typically, you’ll be better off putting dining purchases on this card over the Chase Sapphire Reserve® Card! That’s because if a dining purchase is coded properly, either card would earn 3 points per dollar. If it isn’t coded properly, you would at least earn 1.5 points per dollar on this card versus just 1 point per dollar on Sapphire Reserve!

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 a Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card you can redeem Chase Ultimate Rewards points earned from any card with Points Boost for bonus value up to 1.75 cents towards paid travel.

If you or someone in your household has a Sapphire Reserve or Chase Sapphire Reserve for Business℠ Card, you can use Points Boost for bonus value up to 2 cents 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 and that makes the 2 point categories worth 4% back and the 5 point categories worth 10% back.

Airline and hotel transferability:

If you or someone in your household has a Chase Sapphire Preferred, Sapphire Reserve or  Sapphire Reserve for Business, or Ink Business Preferred 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:

Note that most 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.

A Chase Bifecta would consist of a household that has the Sapphire Preferred or Sapphire Reserve and the Ink Business Unlimited® Credit Card. The total effective annual fees would be either $95 with Sapphire Preferred or $495 with Sapphire Reserve after accounting for that card’s $300 annual travel credit.  With the Sapphire Preferred+Ink Unlimited you would earn 1.5 points per dollar everywhere, 2.1 points per dollar on all travel after the Sapphire Preferred annual bonus, 3 points per dollar on drugstores, 3.1 points per dollar on dining, streaming, and online grocery shopping after the Sapphire Preferred annual bonus, and 5.1 points per dollar on travel booked via Chase after the Sapphire Preferred annual bonus. You’ll be able to transfer all of your points into airline miles or hotel points.

If you earn 1.5-5.1 points per dollar and redeem at a value of 1.75 cents each, you’l be earning between 2.625%-8.925% back!

A Chase Trifecta adds a no annual fee card like the Ink Business Cash® Credit Card or Chase Freedom Flex into the mix, so your total effective annual fee will still be $95 or $495. Both of those cards give options to earn a whopping 5 points per dollar in various categories on top of the up to 8 points per dollar that the Sapphire cards offer and the 1.5-5 points per dollar everywhere else with a Freedom, Ink Cash, or Ink Unlimited card.

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 $495. The Quadfecta is the sweet spot and allows you to really supercharge your spending everywhere.

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 (Skyteam)
• Virgin Atlantic (Skyteam)
• British Airways (OneWorld)
• Aer Lingus (OneWorld)
• Finnair (OneWorld, via British Airways)
• Iberia (OneWorld)
• Qatar (OneWorld, via British Airways)
• Emirates
• JetBlue
• Southwest

Hotel transfer partners:

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

• Hyatt
• IHG
• Marriott 
• Wyndham
• You can also transfer points to Hilton at a 1:1.5 ratio via Virgin Atlantic.

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

The Ink Preferred Card and Sapphire Preferred cards allow you and anyone in your household to transfer Chase points into miles and earns a Points Boost redemption value up to 1.75 cents per point.

The Sapphire Reserve also allows you and anyone in your household to transfer Chase points into miles and earns a Points Boost redemption value up to 2 cents per point.

The Points Boost value is excellent and can mean that a $500 hotel room will cost just 25K points or a $1,000 business class redemption will cost just 50K points. Or you can make your points potentially even more valuable by transferring them into airline miles or hotel points.

• 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 9.5K points to Avios 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!
• United offers excellent award availability, especially to their cardholders, and awards can be changed or canceled for free.
• 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!
• 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 a strong signup offer for this excellent no annual fee card!

If you want to rack up Chase points, then using the Freedom Unlimited or Ink Unlimited for everyday purchases is the way to go. Combine that with a card that has Points Boost or can transfer points into airline miles and hotel points and you’ve got a strong earning combo.

Will you signup for a Chase Freedom Unlimited Card?