Chase
Freedom Unlimited
What it is
The Freedom Unlimited is a Chase card earning Ultimate Rewards points. It's mainly a sign-up-bonus play: earn the bonus, then keep or close. The no-fee on-ramp to the Chase ecosystem — flat cash back on everything, plus a long 0% intro stretch. Pair it with a Sapphire and the cash becomes transferable points.
Offer history
Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.
| Offer | Bonus | Value | Year 1 | Return | Date |
|---|---|---|---|---|---|
PUBLIC | 20,000$1k · 90d | $300 | $300 | 60% | May ’26 |
REFERRAL | 25,000$1k · 90d | $375 | $375 | 75% | Apr ’26 |
PUBLIC ATH | 30,000$1k · 90d | $450 | $450 | 90% | Jan ’26 |
What you get
No recurring benefits — this card’s value is its welcome bonus, not ongoing perks.
The receipt
default values| SUB value | +$300 |
| 20,000 UR × 1.50¢/pt | |
| Ongoing benefits (yr 1) | +$0 |
| Annual fee | $0 |
| Year 1 | $300 |
| Return on $1k MSR | 60% |
Your score sharpens once you sign in — we add eligibility, spend-fit, and 5/24.
Related cards
Freedom Unlimited scores 59 here on default point values. See where it ranks against every card, scored for your points, spend, and eligibility.
Open the ranked table →