Chase Freedom Unlimited®
Chase determines account eligibility, approval, and bonus qualification. Terms may change. Verify the latest terms on the official website before applying.
Offer terms at a glance
We separate the headline from the conditions required to earn it.
- Product name
- Chase Freedom Unlimited®
- Financial institution
- Chase
- Offer type
- Credit card welcome bonus
- Current bonus
- $200 cash back
- Required deposit or spending
- Make $500 in eligible purchases during the first three months from account opening.
- Direct deposit requirement
- Not applicable.
- Minimum balance
- Not applicable.
- Monthly or annual fee
- $0 annual fee
- How to waive the fee
- Not applicable; the public pricing lists no annual fee.
- Eligible states / geographic restrictions
- U.S. consumer credit-card offer. Terms can vary by application channel and are subject to credit approval.
- Offer deadline
- No calendar deadline is published on the official product page. Chase says the offer may change.
- Estimated payout timing
- Allow 6–8 weeks after qualifying for the bonus points to post, provided the account is open and not in default.
- Early closure considerations
- The account must be open and not in default at fulfillment. Chase’s rewards agreement explains when points may be lost after closure or misuse.
- Credit inquiry information
- Applying authorizes Chase to evaluate creditworthiness. Review the application disclosures before submitting.
- Applicants who can complete $500 of planned purchases in three months without carrying a balance.
- People who prefer a fixed cash-back value and no annual fee.
- Current cardmembers or prior cardmembers who received this card’s new-cardmember bonus within the last 24 months.
- People who would overspend or pay interest solely to reach the threshold.
What the headline leaves out
The stated cash-back value is $200 and there is no annual fee. The clearest net-value scenario is meeting the threshold with planned purchases and paying the statement balance in full; interest or unnecessary spending reduces the benefit.
How this offer differs
Compared with the current Sapphire Preferred offer, Freedom Unlimited has a far lower spending requirement and no annual fee, but a smaller headline bonus and a simpler cash-back value.
- 01Approval and bonus eligibility are determined by Chase.
- 02The offer is unavailable to current cardmembers and certain prior cardmembers described in the official terms.
- 03Balance transfers, cash advances, cash-like transactions, gambling transactions, interest, unauthorized charges, and fees do not count as purchases.
- 04The account must remain open and not in default when Chase fulfills the offer.
- 05Offers can vary by application channel and change over time.
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Frequently asked questions
What is the current Chase Freedom Unlimited welcome bonus?
The official page offers 20,000 bonus points after $500 in eligible purchases in three months. Chase states those points can be redeemed for $200 cash back.
Does the card have an annual fee?
No. The current public pricing lists a $0 annual fee.
Do balance transfers count toward the $500 requirement?
No. Chase excludes balance transfers, cash advances, cash-like transactions, interest, fees, and several other transaction types from purchases.
How long does the bonus take to post?
Chase says to allow six to eight weeks after qualifying, provided the account is open and not in default.