Chase Freedom Unlimited®
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. That's 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
- 5% on travel purchased through Chase Ultimate Rewards (Chase’s travel portal)
- 3% on dining at restaurants (including takeout and eligible delivery apps)
- 3% on drugstore purchases
- 1.5% everywhere else
Annual Fee: $0
My go-to card for everything that doesn't have a specific category because it gives me 1.5X on each purchase.
However, I often use the Chase Freedom Unlimited® card for extra point offers, e.g. recently I got a targeted Sephora offer where I was able to earn 10X per dollar. I check those offers each month!
Terms apply to targeted offers.
Maria Tech's Take
The Chase Freedom Unlimited® is the basic card in my wallet's arsenal. For any basic expense, this card comes out of my wallet with impressive frequency. It's simple: for every dollar I spend, I earn 1.5 points, a solid return on any purchase. It's a flat-rate card, which means there's no need to track specific spending categories, making it ideal for my broad, everyday purchases.
But the real magic begins when I transfer these points to my Chase Sapphire Reserve® card. Due to Chase's reward structure, each point's value increases when used for travel through the Chase Ultimate Rewards portal, allowing me to extract maximum value from every dollar spent.
To further optimize my points earning, I often use Chase's 'Earn Bonus Points' portal for higher point values on select purchases via Chase Offers. One of my regular buys is skincare products. Before I purchase, I always check the portal because it often provides bonus point deals with certain retailers. For example, Dermstore is currently offering 6 points per dollar, while Sephora offers a whopping 10 points per dollar. I'm not only getting the products I love, but also maximizing my rewards points with each purchase.
Chase Offers are targeted, and you must add an offer to your card, plus make a qualifying purchase with the same card. Terms apply.