New Chase Freedom Unlimited Offer, Earn 3X on $20K Spend Everywhere For a Year (In-Branch Only)

Chase Freedom Unlimited was first released in 2016. It usually has a bonus of $150 for spending $500 within three months, but now there’s a different bonus that will give you 3X Ultimate Rewards on all purchases for the first year.


  • Earn 3% cash back on every purchase during your first year, up to $20,000. After that, earn unlimited 1.5% cash back on every purchase.

The offer is available in branch only for now, but we should see it online as well in a few days.


This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.

Also this card falls under the Chase 5/24 rule, so you will not be approved if you’ve had 5 or more new credit cards in the last 24 months. That’s any 5 cards, not just Chase cards.

Guru’s Wrap-Up

Earning 3% back on all purchases for a year is a great offer, but this time around the extra earning is limited to only $20,000 in spending. It was unlimited last year. The bonus is even better if you combine a Chase Freedom Unlimited card with a Ultimate Rewards earning card. You can transfer the points and use them as Ultimate Rewards with a Chase Sapphire Preferred, Reserve, Business Ink Preferred or the old Ink Plus cards. With a Chase Sapphire Reserve card for example you can get a 1.5 cents per point value when booking through Chase portal. That makes this Chase Freedom Unlimited offer a 4.5% everywhere for a year.

The bad news is that many people won’t be able to apply since the card falls under the Chase 5/24 rule.


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