Posted by William Charles on April 3, 2019
Credit Card Offers

Published on April 3rd, 2019 | by William Charles

29

Chase Freedom Unlimited 3x Everywhere for the First Year Signup Bonus, up to $20,000 in Purchases – Available Via Referral

The Offer

Direct link to offer

  • Signup for the Chase Freedom Unlimited and get 3x points everywhere for the entire first cardmember year, up to $20,000 in purchases earns the higher rate. Currently this is only available via referral

Card Basics

  • 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

Share Your Referrals

Please DO NOT share your referrals in the comments below. Instead you may share them in this linked post if you follow the rules.

Our Verdict

They ran a similar offer last year, but without the $20,000 cap. Given the cap, it’s essentially as if there were a 30,000 points bonus on $20,000 spend – after spending $20,000 you’ll get 60,000 points, half from ordinary earn and half from signup bonus. Makes sense for someone who anyway wants to use the card as their daily driver. This has also been available in branch for some time.

Remember, most of us are not eligible for the card due to the 5/24 rule. Check out also these Things Everybody Should Know About Chase Credit Cards before applying.

Hat tip to reader benjix21



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Debit
Debit

How do you generate referrals? Do you need to have the card to generate referrals?

Celia
Celia

With Chase, you go to refer-a-friend page to generate a link for your specific card so yes, you need to have the card.

MoreSun
MoreSun

You need to have the card to refer to it. If you have the card you can refer via website mentioned by Celia or from within the app you can click on the card and there will be a link to refer a friend. Don’t send an email, just say “invite now” and you can copy your link from that.

Joe
Joe

Do we know when this offer expires? I’m currently over 5/24.

Sideshowbob233
Sideshowbob233

Good timing was going to get this as I bust over 5/24!!! Thanks Doc!!

debiTnm
debiTnm

There seems to be 2 lists of referrals
The hyperlink that says “Direct Link to Offer”
And the hyperlink that says ” share them in this linked post”

Might want to merge or delete one of them.

Ann
Ann

At the moment, it appears that both links go to the same page.

Celia
Celia

Same page of referrals

Peter
Peter

Boo the cap!

MoreSun
MoreSun

For anyone who wanted the old $150 for $500 offer it’s still active with Chase and old referral links still offer it if you’re looking to refer a P2 or something and saved your old link. If that’s you want I’d apply now in case Chase kills those links.

Stephen
Stephen

Maybe I’m missing something… The only reason I can think of that you’d want the old offer is if you won’t spend $5000 in the first year (the inflection point here). Is there another?

Just to clarify: i’m asking hoping I’m missing something as both my wife and I applied on Monday, and chase has refused to match new offer. Cheers

Nora
Nora

Not the OP, but the inflection point is $10,000 (1.5% additional cash back vs $150 sign-up bonus. 150/.015 = 10,000). I won’t spend that money on any one card among all my credit cards, so it’s best to take the sign-up bonus instead.

Stephen
Stephen

Yeah, totally need to better on my math in public! Thanks.
At $10,000 it makes a lot more sense to me.

cnqr
cnqr

Actually, it matches at only $10000, since you have $150 bonus from the other offer.

Stephen
Stephen

Yup, thank you. Good point.

HotelGuy
HotelGuy

Went to the chase branch & checked for pre qualification this offer came up. I applied for it even though I am 11/24 let’s see what happens. Tried only because of the pre qualification.

JV
JV

HotelGuy would be curious to know if this bypasses 5/24. I dont think it has recently though.

HotelGuy
HotelGuy

Will post here as soon as I get a decision.

Sideshowbob233
Sideshowbob233

If it had a fixed rate listed it’s usually approved and bypasses 5/24. If range is listed then no.

atexit8
atexit8

This offer was in my chase.com account when I logged in this evening.
It was in the Just For You section.

Raj
Raj

How do i generate this referral link for 3X on $20K of purchases?

JuicyJosh
JuicyJosh

google “chase share your referral”. you will have to enter your last name, zip code, and last 4 of card

Matthew

I have an old referral link that has the $150 offer, so a good idea to keep generating referral links for best options.

Stephen
Stephen

FYI – chase is not matching the sign up bonuses if you have the $150 for $500 spend with 1.5%. Not sure if people would expect that. But denied both my wife and I, independently.

Peldir Sunstrider
Peldir Sunstrider

I don’t think I really like this offer…
First $20,000 earns 3% means you can earn 60,000 pts in total, which is 30,000 pts more than the normal 1.5%. It is the same amount of the previous targeted $300 offer, the only difference is you spend $500 vs $20,000.
You need to spend more than $10,000 to break even to the previous $150 offer as well.

Chuck

Yeah, we analyzed it more in the previous posts, as noted.

CJ
CJ

DoC, I got an email for this offer. I’m WELL beyond 5/24, and the email has a variable APR. Any idea if there are DPs on this bypassing 5/24?

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