Huge enhancements to the Chase Freedom Unlimited Card

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The Chase Freedom Unlimited has been around for a few years now and is definitely one of the more popular credit cards within the Chase Ultimate Rewards family. With this card, you typically earn 1.5 points on every single purchase, however, they just made some huge enhancements to the card which will allow you to earn even more points! Starting on Sept. 15, 2020, you’ll earn:

  • 5% on travel purchased through Chase Ultimate Rewards
  • 3% on dining at restaurants, including takeout and eligible delivery services
  • 3% on drugstore purchases
  • 1.5% on all other purchases

And since you can purchase many gift cards at drug stores, that can theoretically allow you to earn 3 points per dollar spent at many other retailers.

Learn more about the Chase Freedom Unlimited

Increased welcome offer for new applicants

If you do not yet have this card, you can also take advantage of the recently announced welcome offer which will allow you to earn even more points.

The value of Chase Ultimate Reward points

Since this is a no annual fee card, your only option to redeem your Chase Ultimate Reward points — assuming this is your sole Chase Ultimate Reward card is to redeem for cash. This means as a standalone card, you cannot directly transfer your point to partner loyalty programs. Your points can be cashed out at 1 point = 1 cent.

However, if you have a premier Chase Ultimate Reward card your points can go much further! If you have the Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Ink Preferred, you can transfer your points earned from the Chase Freedom Unlimited card to one of those premier cards and then transfer your points to a partner program.

Redeeming your points for travel typically makes your Chase Ultimate Reward points worth about 2 cents per point. This puts a much higher valuation on the points earned and means you are earning a 3% return on your every day purchases and a 6% return at restaurants and at drug stores.

a two children on a beach
Stay at the Grand Hyatt Baha Mar with unbelievable pools and a fun beach for just 20k points a night!


This is the perfect no annual fee card to partner up with another Chase Ultimate Rewards credit cards where you can transfer to partners. Or, if you prefer earning a higher amount on rotating categories — instead of the flat 1.5 points per dollar spent — you might want to consider the brand new Chase Freedom Flex card instead.

I personally am a fan of combining this card with the Chase Sapphire Reserve. You use the Chase Freedom Unlimited on every day purchases, the Chase Sapphire Reserve for all travel purchases, and then you transfer the points earned from your no annual fee card to your premier Chase Ultimate Reward card. Within your premier card, you can transfer your points to some awesome travel partners, with my personal favorites being Hyatt, United, and British Airways — all partners transfer at a 1:1 ratio.

Disclosure: This post contains affiliate links. As always, thank you for supporting Deals We Like and enjoy traveling on a deal!

Editorial Disclosure: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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