Posted by Chuck on March 18, 2019
Credit Cards

Published on March 18th, 2019 | by Chuck

39

Chase Freedom Unlimited 3x Everywhere for the First Year Signup Bonus, up to $20,000 in Purchases [Currently In-Branch Only]

As rumored, the Chase Freedom Unlimited now has a signup bonus of 3x points on all purchases the first year. This replaces the $150 bonus offer. This offer is currently only available in branch, I expect it’ll be an online offer soon.

The 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.

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

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.

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 Adi



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SeffJmisek
SeffJmisek

Thanks for posting this!

I’d argue that the offer is equivalent to a 30K points/$300 bonus on a $20K spend, since without this offer, you would be earning at a rate of 1.5 pt/$ spent *anyway*.

Does everyone else agree with my math here?

Brian
Brian

What are the break points on spending since the $150 sign up is replaced?

Denis
Denis

$10K

William Charles

$10k spend

Peter
Peter

Got in on the 3X on Everything offer last year. I’ll be sad the day that ends.

Brad

Same here. The last 11 months have been very lucrative.

Oazizpharmd
Oazizpharmd

Agreed. I have recurring nightmares about when this ultimated 3x points will expire. Would go for the 60k CSP but am well over 5/24.

James
James

What have been the best ways to maximize the 3x on everything?

Jay
Jay

Go into a store and tell them you buy ‘everything’… 😉

Peter
Peter

All non-category spend – bank cc funding

Reubenfairibrd
Reubenfairibrd

Ditto, it’s been a phenomenal year? Anybody have any ideas for what’s next to replace FU bonus.

Sgree
Sgree

Agreed! I’m done in April and not sure what to do next.

JJ CSR
JJ CSR

Is this then 3 pts worth 4.5 cents if you have the CSR vs. 1.5 pts worth 2.25 cents?

William Charles

Yes

Frank Rizzo
Frank Rizzo

I don’t know, $20,000 spend is a lot for 60,000 points. You could make nearly as much with the sapphire preferred with a $4,000 spend.

AkJohnny
AkJohnny

hey Jerky… you can also get 60k UR for Chase Sapphire checking account.

Josh
Josh

Bummer. At 4/24…got a few more others I have to pick up first. Maybe next time.

Lindsey
Lindsey

Theoretically, would it be ok to put rent via Plastiq on this card and earn 3x all year (those of you who picked up this offer last year- did y’all have luck doing so)? I miss the days I could do so with my CIP.

Oazizpharmd
Oazizpharmd

I used this to pay everything that had a fee less than 3 percent, including pre paying taxes.

Peter
Peter

No matter the merchant, it’s 3X on every transaction. I’ve done plastiq and venmo throughout the last 11 months.

HoKo
HoKo

Do in-branch pre-approved offers still bypass 5/24?

AkJohnny
AkJohnny

if you lucky… yes

William Charles

Yes

Marcus
Marcus

I was able to get this card at the 15000 points for $500 spend and I didn’t have a “Selected for you” offer. I’m “lol/24” and I had a pop up banner on my Chase homepage that told me I was selected to apply for Chase Freedom Unlimited. I couldn’t find it in my offers page but I still applied because I believed I would be approved due to the terms showing a fixed APR instead of a variable APR. In a year I will upgrade it to the CSR since I am military and therefore be able to keep it long term for free.

NK
NK

With in branch sign up, you also lose a 10K referral bonus (correct?). So if my sig other does this, the break point for our household would actually be $16,667. Unless you take into account the referral bonus getting taxed.

Eh, does not seem that exciting.

Jay
Jay

If you have a two player household, you’d likely be better off just referring player two for 10k and the standard sign up of 15k after $500 spend.

Jay
Jay

William Charles
off topic, but I thought usernames were unique?
(if not, I wonder if you ever had problems with random 1-post accounts pretending to be someone recognizable while posting e.g. referral links?)

William Charles

No usernames are not unique, there is not even a username system. Posts are tied to your e-mail, so people can see your comment history based on that.

William Charles
William Charles

Test…

(no need to approve this, was just seeing if I could change my username which is tied to my email adress)

William Charles

Yes it works fine, but as you can see your comment history is tied to your e-mail rather than the name used

Abe
Abe

I’m still waiting for the 30K points on $500 spend targeted offer.

tenant13
tenant13

Wait, what? Has that ever been a thing? Or it’s just your dream?

Jay
Jay

That’s 100 percent been an offer before but it might have been a couple of years since it was last offered.

SideshowBob233
SideshowBob233

Come on Chase make this go live online already!

djyuran
djyuran

Can I churn 3% bonus if I got it just last year? I am 4/24!

CJ
CJ

Approved $10k in branch, 820, 1/24

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