[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.

Subscribe
Notify of
guest

38 Comments
newest
oldest most voted

Obtain the Grain
Obtain the Grain (@guest_852514)
December 3, 2019 10:32

Wasn’t sure where to post this, but I just received an email from Chase Freedom Unlimited… “NAME, earn an additional 10% cash back on up to $500 in total purchases when you use your Chase Freedom Unlimited® card from December 1st through December 31st.1 That’s on top of the cash back you already earn. So use your card everywhere you shop
this holiday season and earn even more rewards!”

I haven’t used this card much, so I’m guessing it’s Targeted

Van
Van (@guest_815156)
September 26, 2019 14:26

I got approved for the CFU card with the 3% welcome offer using my partner’s referral which he had sent me back in August. Not sure if you can still get someone to refer you with the 3% offer but worth the try and they get a bonus too.

Van
Van (@guest_804132)
August 28, 2019 16:29

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 (@guest_804176)
August 28, 2019 18:14

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 (@guest_804480)
August 29, 2019 11:40

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.

JV
JV (@guest_804048)
August 28, 2019 13:11

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

Celia
Celia (@guest_804055)
August 28, 2019 13:17
  JV

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 (@guest_804102)
August 28, 2019 14:55

These are not working.

Celia
Celia (@guest_804189)
August 28, 2019 18:35

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
Admin
August 28, 2019 21:28

No, we don’t use credit card links

Michael
Michael (@guest_749706)
April 17, 2019 19:18

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

Hari
Hari (@guest_803990)
August 28, 2019 11:48

Should absolutely work.

hotelguy
hotelguy (@guest_746224)
April 9, 2019 10:48

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.

akjohnny
akjohnny (@guest_745738)
April 8, 2019 09:04

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

Rick
Rick (@guest_744537)
April 4, 2019 18:40

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
Admin
April 4, 2019 18:47

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

Alys Holden
Alys Holden (@guest_745754)
April 8, 2019 09:56

i think 20k is practically nothing.

Jake
Jake (@guest_744513)
April 4, 2019 18:10

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

DDM
DDM (@guest_744822)
April 5, 2019 10:28

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

midas89
midas89 (@guest_744457)
April 4, 2019 17:16

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 (@guest_744593)
April 4, 2019 20:53

what if you close it before applying?

midas89
midas89 (@guest_744616)
April 4, 2019 21:33

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.