Chase Freedom Unlimited®: Get a $200 Bonus + Up to 5% Cash Back

Looking for a credit card that rewards you generously across multiple spending categories, gives a welcome bonus, and charges no annual fee? The Chase Freedom Unlimited® might be your perfect match.

Whether you’re fueling up, dining out, or shopping online, this card ensures your everyday expenses turn into real cash rewards — all while keeping your wallet happy.

🎁 $200 Bonus in Your Pocket

Here’s the deal: Spend just $500 in the first 3 months, and Chase will give you a $200 cash bonus — simple as that.

That’s an easy win for anyone with regular expenses like groceries, bills, or gas. No hoops. No confusing conditions. Just free money for using your card like you normally would.

👉 More info here

💵 Reward Breakdown: More Ways to Earn

This isn’t your average 1.5% cashback card. The Chase Freedom Unlimited® steps it up with tiered rewards in key categories:

• 5% on travel booked through Chase Ultimate Rewards®
• 3% on dining (including takeout & delivery)
• 3% on drugstore purchases
• 1.5% on everything else

That’s right — unlike many cards that only offer 1% on general purchases, Chase gives you 50% more back on non-category spending. Over time, that adds up.

💸 How Much Can You Earn?

Let’s say you spend this monthly:

• $300 on dining → $9
• $150 at the pharmacy → $4.50
• $200 in travel via Chase → $10
• $800 in other purchases → $12

That’s $35.50 in cashback per month — or over $400/year — without spending more than usual.

🧳 Booking Travel with Chase = Extra Value

When you book flights, hotels, or rental cars through the Chase Ultimate Rewards® portal, you earn 5% cashback. You’ll also get access to competitive travel rates and the ability to redeem rewards for travel, not just cash or statement credits.

Plus, Chase has a great reputation for customer service, including support during travel delays or cancellations.

✅ Why People Love It

• Easy $200 sign-up bonus
• 1.5% minimum on all spending (better than many 1% base cards)
• Extra cashback on dining, travel, and drugstores
• Trusted Chase mobile app and customer support
• Zero annual fee

🔁 Redeem Your Rewards Your Way

Your cashback options include:

• Direct deposit into a bank account
• Statement credit
• Gift cards to popular stores
• Travel bookings through Chase Ultimate Rewards®

You can also combine points with a Chase Sapphire card (like Sapphire Preferred or Reserve) for even greater value on travel.

🔒 Extra Features You’ll Appreciate

• 0% Intro APR for 15 months on purchases and balance transfers
  (then 20.49%–29.24% variable APR; BT fee: 3% for first 60 days, then 5%)
• Zero Liability Protection for unauthorized purchases
• Contactless payment and full digital wallet support (Apple Pay, Google Pay, etc.)
• Fraud alerts, spend tracking, and virtual card options for secure online shopping

🆚 Freedom Unlimited vs. the Competition

Verdict: Freedom Unlimited gives you more rewards on categories that people actually use (like restaurants and pharmacies), plus a strong welcome bonus — something the Citi Double Cash doesn’t offer.

⚠️ A Few Things to Consider

• The 5% travel rate only applies when booking through Chase’s portal — not third-party sites.
• It’s a cashback-focused card, so no luxury travel perks like lounge access.
• While 1.5% back on general purchases is solid, it’s slightly lower than the 2% offered by flat-rate cards like Wells Fargo Active Cash.

Still, if you’re strategic and spend in the bonus categories, this card can outperform most flat-rate cards in total yearly rewards.

📋 How to Qualify

You’ll typically need a credit score of 670+ (good to excellent) to qualify. If you’re rebuilding or have limited history, consider Chase’s beginner-friendly options instead.

Tip: Chase also follows the “5/24 rule” — if you’ve opened 5 or more credit cards (from any issuer) in the past 24 months, you might not be approved.

👉 Check if you’re eligible here

🏁 Bottom Line: One of the Most Versatile Cashback Cards on the Market

The Chase Freedom Unlimited® isn’t just about cashback — it’s about maximizing every purchase, whether you’re buying dinner, booking a flight, or grabbing cold medicine at CVS.

For a card that costs nothing to hold, it delivers big value with minimal effort.

✅ Big rewards on everyday categories
✅ A $200 bonus for doing what you already do
✅ 1.5% cash back across the board

It’s easy to see why this is a top pick for both beginners and experienced credit users.

👉 Learn more & apply now

Written by Arthur Updated on abril 23, 2025