Chase Freedom Unlimited for Military Members

The Chase Freedom Unlimited credit card is a daily favorite for many service members thanks to generous sign-up bonuses, 5% on Chase-purchased travel, 3% on restaurant dining and drugstore purchases, and 1.5% in cash. Perfect for use. Return to the full list of all other purchases and other useful perks and offers.

Chase Freedom Unlimited Overview

This no annual fee card is a worthy addition to your wallet and offers attractive cashback in the categories you use most. These returns can be even greater when you pair Chase Freedom Unlimited with another premium Chase card.

Service members also enjoy a substantial sign-up bonus with an additional 1.5% cashback bonus on all purchases during their first year as a cardholder. As a first-year cardholder, you are eligible to receive an additional $300 on spending up to $20,000.

First year rewards mean you can get up to 6.5% cash back on travel purchased through Chase Ultimate Rewards. Chase’s Premier Rewards Program lets you redeem your rewards for cash back, travel, gift cards and more.

You’ll also receive 4.5% cash back on drugstore purchases and restaurant dining, and 3% cash back on all other purchases, including takeout and eligible delivery services.

There is no minimum redemption amount, and cashback rewards never expire as long as your account is open.

Most require at least a 700 FICO score to qualify, but if you do, the Chase Freedom Unlimited card is a smart choice that combines generous benefits with flexibility that makes it an attractive frequent card. .

Chase Freedom Unlimited Card Member Benefits

The Chase Freedom Unlimited card offers cardholders a variety of benefits. In addition to the generous sign-up bonuses and offers listed below, cardholders also enjoy:

• 3% back at restaurants, including takeout and eligible delivery services.
• 3% discount on drugstore purchases.
• Get 5% back on travel purchases with Chase Ultimate Rewards.
• Through March 31, 2025, new and existing cardholders will receive a 5% refund on eligible Lyft services purchased through the Lyft app.
• Earn 1% to 15% cash back at select merchants when you purchase from the Chase Online Bonus Mall.
• All purchases are covered against damage or theft for 120 days up to $500 per claim and $50,000 per account.
• 1 year warranty in addition to the manufacturer’s warranty for eligible warranties of 3 years or less.
• If you decline the car rental company’s collision insurance and charge the full car rental price to your card, car rental insurance will apply. Coverage is provided for most vehicle theft and collision damage in the US and abroad. In the United States, coverage is second only to personal insurance.
• Trip Cancellation Insurance provides Cardholders with prepaid, non-refundable passenger fares up to $1,500 per person and travel We offer $6,000 per refund.
• Roadside Dispatch includes 24/7 towing, tire change, jump start, fuel delivery, lockout services with discounted call charges.
• Cardholders can use an online account tool called Chase Credit Journey to help prevent identity theft, monitor their credit score anytime, and receive free identity recovery services.
• Services like Boxed, Postmates, Shoprunner and Fandango offer additional discounts.
• When paired with a Chase Premium Card, you can transfer Chase Ultimate Rewards points for even greater discounts and added flexibility. Points earned with this card are generally worth 1 cent per point. However, some Chase cards offer a higher value per point when used to book travel through Chase’s online portal, operated by Expedia.

Some premium Chase cards allow you to transfer points at a 1:1 ratio to nearly a dozen airline and hotel loyalty programs, including United Airlines, Southwest Airlines, JetBlue, Marriott and Hyatt.

Earn rewards with Chase Freedom Unlimited

Chase Freedom Unlimited is sold as a cashback card, but you can earn Chase Ultimate Rewards points when you use it. Points are worth a penny when redeemed for cashback, but there are ways to increase that rate.

Earn 1.5% or more cash back depending on the purchase category of your purchase. For example, you can earn 5% cash back on travel purchased through Chase Ultimate Rewards and 3% cash back at participating restaurants and drugstores.

You can also redeem your points for gift cards (1 cent per point), travel booked with Chase (1 cent per point) and Amazon purchases (0.8 cents per point).

Redeem rewards with Chase Freedom Unlimited

Through the Chase Ultimate Rewards Travel Portal, you can choose to redeem your Chase Ultimate Rewards points for statement credit or deposit them directly into most US checking or savings accounts.

There is no minimum redemption amount, so you can redeem your rewards whenever you want.

However, if you also have a premium Chase card, such as the Chase Sapphire Preferred Card or Chase Sapphire Reserve, you can combine your Chase Ultimate Rewards points to redeem them for a higher rate or transfer them to one of Chase’s travel partners for a better deal. You can get higher rates. worth.

For example, if you have a Chase Freedom Unlimited and Chase Sapphire Preferred card, you’ll get 25% more points when redeeming for travel through Chase’s travel portal. Instead of earning 5% cash back, you’ll earn an effective cash back rate of 6.25%.

Similarly, restaurant and drugstore spending is worth 3.75%, and daily spending jumps to 1.875%.

Even more impressively, points transferred to Chase Sapphire Reserve are worth 50% more when used for travel.

When you combine Freedom Unlimited with a Premium Chase card, you can also transfer rewards to Chase’s airline and hotel transfer partners at a 1:1 rate. The Freedom Unlimited Card alone does not provide that benefit.

Chase Freedom Unlimited Credit Card Fees and Fees

• Normal APR: 18.74% – 27.49% change
• Purchasing an introductory APR: 0% Introductory APR for 15 month purchases
• Balance transfer introduction APR: Introductory annual interest rate for balance transfer for 15 months 0%
• Annual fee: $0
• Balance Transfer Fee: $5 or 5% of each transfer amount, whichever is greater.
• Cashing service: $10 or 5% of each transaction amount, whichever is greater.
• Foreign Purchase Transaction Fee: 3% of each transaction in USD

How to get military exemption for Chase credit card

Chase is offering active military benefits under the Military Lending Act to active duty military personnel who apply for a card after September 20, 2017. Offer applies to personal credit cards only, not Chase business cards.

Under this law, service members are exempt from annual fees and other fees (except late fees and insufficient funds fees). Additionally, the Military Annual Percentage Rate (MAPR) must not exceed 36% and the promotional interest rate at the time of introduction must be respected.

Once approved, access your Chase.com online banking profile and[安全なメッセージ]Go to[お問い合わせ]You can request these benefits by selecting Military SCRA Benefits at . You will need your account number and supporting documents.

You can also call 1-877-469-0110 to inquire about credit card fee waivers for Chase credit cards (Monday-Friday 8am-10pm and Saturday 9am-1pm). until 6 pm). Internationally, call Collect at 318-340-3348.

Apply for the Chase Freedom Unlimited Credit Card

The Chase Freedom Unlimited card is relatively difficult to obtain as applicants must have a minimum credit score of 700 to be approved. Applicants must also demonstrate the ability to perform minimum monthly payments, a reasonable amount of existing debt, monthly housing payments, number of credit accounts recently opened, and other similar factors .

Chase has an online prequalification tool so you can get the right indication of approval in seconds based on the information you provide. The process is considered a soft referral, so prequalification does not affect your credit score.

Once you apply, Chase will conduct a rigorous review of your credit report.

signup bonus

One of the best perks of the Chase Freedom Unlimited card is the generous signup bonus.

Earn an additional 1.5% cashback when you spend up to $20,000 in your first year. Maximize your spend under these terms and you’ll get an additional $300 reward.

When combined with other cash back benefits, you’ll get 6.5% back on Chase Ultimate Rewards travel purchases, 4.5% back on drugstore purchases and meals, and 3% back on all other purchases.

Chase Freedom Unlimited offers 0% APR for purchases and balance transfers for 15 months, after which purchases will switch to a floating rate.

Chase Freedom Unlimited credit card pros and cons

Compare the Chase Freedom Unlimited credit card to other military cards

There is no shortage of consumer credit cards on the market that offer attractive perks and reward packages for service members.

Since it’s impossible to compare them all side by side, we’ve picked a few of the more popular cards to help you get a general idea of ​​how the Chase Freedom Unlimited Card stacks up.

As always, we recommend doing your homework before deciding which card is best for you.

Is the Chase Freedom Unlimited Card Worth It?

Chase Freedom Unlimited is a great value for military members, especially those with partner cards such as the Chase Sapphire Preferred Card and Chase Sapphire Reserve Card.

Users have immediate access to generous sign-up offers and actionable bonus reward categories that offer many options for cashing out rewards.

Combined with car rental insurance, trip cancellation protection, extended product warranties, and a host of other perks, The Chase Freedom Unlimited fits right in your wallet.

_{The Military Wallet has partnered with CardRatings to cover their credit card products. Military Wallets and CardRatings may receive fees from card issuers.}

About the contributor

Ryan Gina

Ryan Guina is the founder of The Military Wallet. He is a writer, small business owner, and entrepreneur. He served in his USAF for his six years on active duty and is currently a member of the Illinois Air National Guard.

Ryan started The Military Wallet in 2007 after leaving active duty military service and has been writing on finance, small business and military benefits topics ever since.

Special Features: Ryan’s work has appeared in publications such as Forbes, Military.com, US News & World Report, Yahoo Finance, Reserve & National Guard Magazine (print and online), Military Influencer Magazine, Cash Money Life, The Military Guide, and USAA. Featured in , Go Banking Rates, and many other publications.