Great Card If
- You want to earn flexible rewards
- You want a card with multiple bonus categories
- You prefer to avoid an annual fee
Don’t Get If
- You want travel rewards, benefits, and perks
Freedom Unlimited Card — Is It Worth It?
If you’re in the market for a no-annual-fee cash-back card, it’s likely that the Freedom Unlimited card would be worth it for you.
With it, you’ll earn 5% back on travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstores, and 1.5% back on all other purchases, not to mention that the card offers perks with DoorDash, Lyft, and Instacart.
Since it earns an uncapped 1.5% back on all non-bonused purchases, this is one of the best cards for monthly bills and utilities.
One of our favorite perks about the Freedom Unlimited card is when you pair it with a premium Ultimate Rewards-earning card such as the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®, you can redeem rewards for massive travel value for flights and hotels.
Such a card combination can help make sure you are maximizing every dollar you spend, and that you have the best redemption options possible.
Freedom Unlimited Card Top Benefits
Travel and Purchase Protections
Here are the protection the Freedom Unlimited card offers to help keep you covered:
- Trip Cancellation and Interruption Insurance — If you need to cancel a trip due to illness, severe weather, or any other covered circumstance, you’ll receive a reimbursement of up to $1,500 per person and $6,000 per trip for non-refundable travel expenses if you need to cancel your trip or end it early.
- Secondary Rental Car Insurance — This covers damage or theft of your rental car, but is secondary to your personal auto insurance.
- Purchase Protection — This covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
- Extended Warranty Protection — Warranty protection extends the time period of the U.S. manufacturer’s warranty by an additional year on eligible warranties of 3 years or less.
DoorDash DashPass
Your Freedom Unlimited card gives you 3 free months of DoorDash DashPass, which provides unlimited deliveries with a $0 delivery fee and reduced service fees. After that, you can receive 50% off your DashPass subscription for the next 9 months.
Lyft — Added Cash-back
When you use your Freedom Unlimited card as your payment method on Lyft, you’ll earn 5% cash-back, instead of 1.5%, on all rides through March 31, 2025.
Instacart+ and Credits
The Freedom Unlimited card also offers 3 free months of Instacart+, which provides unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders. Plus, you can earn up to $10 in statement credits each quarter, through July 31, 2024, when you make eligible Instacart purchases with your card.
How To Earn and Redeem Your Chase Ultimate Rewards Points
When you earn cash-back with the Freedom Unlimited card, it comes in the form of Chase Ultimate Rewards points. Fortunately, there are tons of great ways to earn more Chase Ultimate Rewards points.
When it comes to redeeming your points, most often your best option will be redeeming for cash-back. Not only is it the most flexible option, but most of the other redemption options offer identical value.
That said, if you pair your card with a premium Chase card such as the Chase Sapphire Preferred card or Chase Sapphire Reserve card, you’ll have access to the Chase airline and hotel partners, which can open up many of the best ways to redeem Chase Ultimate Rewards points.
Alternatives Cards to the Freedom Unlimited Card
Citi® Double Cash Card
If it’s a standard cash-back card you’re after, the Double Cash card could be a great fit for you. The Double Cash card earns 2% cash-back: 1% when you buy, and an additional 1% as you pay for those purchases, all for no annual fee.
Read our full comparison of these 2 cards: Freedom Unlimited card vs. Double Cash card
Capital One Savor Cash Rewards Rewards Card
If you’re looking for a cash-back card that offers bonus categories for what you spend the most on, consider a card like the Capital One Savor card. The Capital One Savor card earns 10% cash-back on Uber and Uber Eats, 4% cash-back on dining, entertainment, and streaming services, 3% at grocery stores, and 1% on all other purchases.
We’ve also compared the Freedom Unlimited card to other popular cards:
The information regarding the Capital One Savor Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Chase Freedom Unlimited® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.
2 comments
Linda K. Horn
April 01, 2020
How much is 7,144 points worth?
Katie Seemann
April 01, 2020
Hi Linda,
7,144 points earned from the Freedom Unlimited are worth $71.44. If you have a Chase Sapphire Preferred card they would be worth $89.30 and if you have a Chase Sapphire Reserve Card, they would be worth $107.16.
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