Chase Freedom Unlimited, Earn 3X on $20K Spend Everywhere For a Year (Available Online/Through Referrals)

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. This Chase Freedom Unlimited 3X bonus was first available in branch only you can also get it through referrals now and a public offer.


  • 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.

My Referral Link | Direct Link


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. This Chase Freedom Unlimited 3X bonus 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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