Posted by Chuck on August 28, 2019
Credit Cards

Published on August 28th, 2019 | by Chuck

39

[Update] Chase Freedom Unlimited 3% Back 1st-Year Signup Offer Now Public (max $20,000 spend)

[Update 8/28/19: New public offer is $200 after $500 in spend. The old 3% offer is still available via affiliates; find your favorite blogger and use their link if you’re interested in the old offer. (ht reader RO)

The Offer

Direct Link to offer

Chase Freedom Unlimited changed their signup bonus from $150 ($500 spend) to 3% back on up to $20,000 of purchases within the first year. It was initially only available in-branch, then became available via referrals, and it’s now the public offer showing on the Chase site.

Card Details

  • No annual fee
  • Regular rewards rate after first year is 1.5% back
  • Card earns cash back, but if you have a premium Chase card like the Sapphire Reserve/Preferred, the cash works like Ultimate Rewards points
  • 0% Introductory APR for 15 months on purchases and balance transfers (5% balance transfer fee)
  • Full review here

Our Verdict

We analyzed the offer more in previous posts. If you are signing up for the card, consider helping out a fellow reader by using a referral from this thread – the bonus is exactly the same as signing up directly and you’ll help someone out in the process.

The $150 offer is no longer available through public channels, though some people’s referral offers are still showing the $150 offer. You can leave referrals for Freedom Unlimited in this dedicated thread. If you have the $150 referral offer, add an addenda ‘$150 offer’ to the comment, along with your link, with no additional words.



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Matt
Matt

I got this card back in January. Any chance they would match the public offer?

Taco
Taco

If you haven’t finished you $500 spend by now…I don’t think the 3% offer is for you. And if you have, then you have received your bonus, so no.

Sevillada
Sevillada

They should have a fun promo…where they approve people over 5/24 😛

Lrdx
Lrdx

It’s called in-branch targeted offers.

Sevillada
Sevillada

Fun promo online 😉

Dan
Dan

I have the 150 referral link available as well! Is it okay that I post?

Aby
Aby

can i upgrade my old Chase Freedom to this Unlimitied and bypass 5/24 during the upgrade?

Ann
Ann

I thought product-changing into a card means you don’t get that card’s signup/first-year bonus…? It’s usually done to get out of an annual-fee card.

And I think bypassing 5/24 requires an in-branch pre-approved offer.

Charlie
Charlie

Yes, you can, but you won’t get the $200. That’s only for new applications, not for product changes.

djyuran
djyuran

Can I churn 3% if I already got it last year?

SideshowBob233
SideshowBob233

Doesn’t seem to list an expiration date for the offer — anyone know when this one expires or how long Chase bonuses usually run?

Daniel
Daniel

Why would anyone want to spend 20k to earn an extra 300$ versus regular SUBS that are like 5k for 500

JohnnyBoyJr
JohnnyBoyJr

Freedon is a great go-to card to always have in your pocket when one of your other ones won’t do.
And the more important part is that it has a 15-month 0% offer. I was just about to sign up for it, then discovered one with a 20-month offer, so I went for that one for the time being.
Some of us don’t want to spend $20k. We just like double bonuses. (and UR bonuses on top of that)

missjenniferd1
missjenniferd1

which card did you find for 20 months?
us bank platinum? or a different card?

also, is this 20 months on purchases or just bal xfers? i like to keep a notebook of 0% cards, and then as my current 0% offer runs out, then i know who to go for next. i am currently on 20 months with us bank platinum, and just wondered if you found a different one?

BadgerTerritory
BadgerTerritory

Associated Bank has a 20 month

Rena
Rena

What card has the 20 month bonus

midas89
midas89

Sadly, I already have a Chase Freedom Unlimited Visa Card. So, they won’t let me get the 3% rate offer. They said: “This product is available to you if you do not have this card.”

djyuran
djyuran

what if you close it before applying?

midas89
midas89

They said if I close my account it will take a while before their system regards me as eligible for this offer…the rep could not give me an exact time…and there is a chance by the time I become eligible this offer might be gone.

Jake
Jake

If you sign up an authorized user, do they get the 3% as well?

DDM
DDM

I’d be interested in knowing an answer to this as well

Rick
Rick

is this an ‘amazing’ offer or just a ‘good’ offer? is it basically just an extra 35k URs? since the regular CFU would earn 1.5%? or am i calculating this wrong

William Charles

Just an OK offer and really only worth considering if the 20k spend is easy to hit.

Alys Holden
Alys Holden

i think 20k is practically nothing.

akjohnny
akjohnny

when is the deadline to apply to get the 3% bonus offer?

hotelguy
hotelguy

applied for this card as i was way above 5/24 through chase branch pre-approval, was approved for the card in a week. i am pleasantly surprised by the outcome.

Michael
Michael

I planned to PC this to Freedom after 1st year. Anyone know if this is possible?

Hari
Hari

Should absolutely work.

JV
JV

anyone have a link other than nerdwallet for the 3% offer? i’d rather support someone else

Celia
Celia

JV Quite nice of you. DoC put a referral thread link in the post to support other readers. https://www.doctorofcredit.com/chase-freedom-unlimited-referrals/

Ric
Ric

These are not working.

Celia
Celia

Bummer. Sorry. I wonder if Chuck direct link in the post is tied to DoC. It’d be nice to support them if it is.

William Charles

No, we don’t use credit card links

Van
Van

Spending about $6700 on the CFU is equal to the new offer of $200 and if you end spending more, you earn more points/cashback. I feel like $6700 is doable within a year. Do you it’s worth going for the 3% offer instead in this case or am I missing something? Thanks

Ric
Ric

If you go for the 3% offer and you spend $20,000 you will get 60.000UR (if you hold Shappire or Ink preferred). However, if you get the $200 bonus offer and spend the same $20,000, you will get a total of 50.000UR.

SaigonSteve
SaigonSteve

If you spend $6700 on the offer with $200 you would still be earning 1.5% back which would be a total of $200+100.5 = $300.5. The break even point would be at $13333 spent in the first year.

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