Review of the Chase Freedom Unlimited Credit Card

Brendan Harkness

Brendan Harkness | Reviews

Apr 25, 2018 | Updated Nov 01, 2018

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The Chase Freedom Unlimited Card is a general-use cash back credit card designed for all kinds of spending.

It offers 1.5% cash back for every purchase you make, with no limit to the amount you can earn. There are no bonus categories to keep track of, like some other rewards cards, so if you’re looking for a simple way to earn cash back this could be it.

This card has an introductory $150 cash bonus for spending $500 in the first 3 months.

The Freedom Unlimited has a long 0% introductory APR of 15 months, for both purchases and balance transfers. After that, the regular 16.99%–25.74% Variable APR applies. There are also some basic shopping and travel protections, along with access to Chase’s Credit Journey service, for monitoring and tracking your credit over time.

Should you use the Freedom Unlimited to earn a bit of cash back every time you shop, no matter what you happen to buy? Keep reading to learn more and find out.

We're currently unable to link directly to an application for the Chase Freedom Unlimited, but you can learn more here, on our advertising partner's website.

Our Rating: 4 out of 5 Stars

We gave this card 4 out of 5 Stars because it provides a relatively good amount of cash back for every purchase compared to other credit cards, at no annual fee. It also gets points for the long intro APR.

Why we like this card

  • 1.5% cash back on every purchase, no time spent thinking about bonus categories
  • Potential introductory bonus of $150 cash back for spending $500 in the first 3 months
  • No annual fee
  • Transfer cash back to other Chase cards, where it could be more valuable
  • Easy access to Chase’s Credit Journey credit monitoring service

Why this card could be better

  • The extra benefits and protections are very basic, unless you get a Visa Signature version of the card

The Chase Freedom Unlimited is a good card for earning general cash back, but it’s not necessarily the best option. Check out some alternatives to this card below.

Insider Advice: Using This Card as Part of Your Credit Card Strategy

  • Use this card for all your spending, without worrying about which purchases will get the most cash back.
  • Or, combine this card with a different rewards credit card that has bonus categories. Use the other card whenever you spend in those categories to earn more cash back, and use the Freedom Unlimited for all your other expenses
  • Spend $500 in the first 3 months to get the $150 cash introductory bonus
  • Do you also have the Chase Sapphire Preferred or Sapphire Reserve card? If so, you can transfer the rewards you earn with the Freedom Unlimited over to your Sapphire account. You might be able to get more value this way, with reward bonuses or further transfers to airline or hotel travel partners.
  • Check the Chase Credit Journey tool to monitor your VantageScore 3.0, based on your TransUnion credit report. You can also get a survey of the contents of your TransUnion credit report, a very handy feature for anyone interested in improving his or her credit.

The Rewards


You’ll get:

  • 1.5% cash back on every purchase
  • $150 cash bonus for spending $500 in the first 3 months after account opening

You can earn an unlimited amount of cash back, and it will never expire.

The flat 1.5% cash back for every purchase means you won’t have to worry about reward categories, so you can use this card for all kinds of shopping. That’s very different than a card with bonus categories which provides the best rewards only for certain purchases, like the Discover it.

There’s another card in the Freedom lineup from Chase, the Chase Freedom (Review). Check out our comparison of the two Freedom cards to see which one would suit you better.


The rewards you earn are actually counted as points by Chase, but this is branded as a “cash back” card, and in most cases it’s best to just refer to the rewards as cash back.

You’ll have a few different ways to redeem your cash back.

  • Cash back statement credits: This is the best option, providing the full value for your cash back.
  • Gift cards: Gift cards will usually provide less than $1 for every $1 in cash back that you redeem.
  • Ultimate Rewards travel portal: Cash back can be used to pay for travel expenses, but the value you get will vary.
  • Pay with Points with Chase Pay: You can use your points to pay for purchases at certain merchants, like Amazon, but you’ll only get 80 cents per $1 redeemed.
  • Transfer to a different Chase card: Your cash back can be transferred to certain other cards, if they’re part of the Chase Ultimate Rewards program

So as you can see, the simplest and easiest way to redeem is for cash back statement credits. These will simply reduce the balance of your account. You can redeem any amount of cash back in this way, at any time.

This is a useful feature compared to many cards, which only let you redeem after you’ve reached a certain amount. The Citi Double Cash, for example, requires you to redeem a minimum of $25, though you can select any amount above that.

The other redemption methods will provide a lesser value for your rewards, so you should avoid them. However, it might be a good strategy to transfer your cash back to a different Chase card.

Transferring Rewards to a Different Chase Card

If you have another Chase card in the Ultimate Rewards program, you can transfer the cash back you earn with the Freedom Unlimited over to it. Every cent of cash back will be worth 1 point in the Ultimate Rewards program. This could end up giving you a better rewards value overall.

There are three other Chase cards that you can use to get a better value for your cash back. These cards provide a bonus when redeeming through Ultimate Rewards:

These cards also allow you to transfer points to a number of traveler loyalty programs at a 1:1 rate, including both airline and hotel partners. You can often get a better value by converting to airline miles or hotel points.

So, the basic strategy here is:

  1. Earn cash back with the Freedom Unlimited
  2. Transfer that cash back to one of the three cards above, where it will be counted as Ultimate Rewards points
  3. Redeem your points through Ultimate Rewards to get a point bonus of 25% or 50%, depending on which card you have
  4. Or, transfer your points to an airline or hotel loyalty program where they may be worth more to you

If you put all the rewards you earn through this process, you’ll effectively be getting more than 1.5% cash back with the Freedom Unlimited. If you end up getting a 25% point bonus you would get a cash back equivalent of 1.875%. And if you get a 50% point bonus, your cash back equivalent would be 2.25%.

The Benefits

The Chase Freedom Unlimited comes at either the basic Visa Platinum level or the upgraded Visa Signature. If you’re approved with a credit limit under $5,000 you’ll get a Visa Platinum. If it’s $5,000 or above, you’ll get a Visa Signature.

Customer support actually told us twice that this was not true, and the card is only available at the basic Visa level. But on another occasion, a different customer support rep told us that it is available at the Visa Signature level.

We’ve also found information on Chase’s website, explaining how you’ll get a certain Visa level based on your creditworthiness. Add that to the fact that we actually found a link to the Visa Signature Guide to Benefits for this card.

It seems that the customer support reps were mistaken. This card is available as either a Visa Platinum or Visa Signature.

You can also check the Guide to Benefits for each version of the card online:

$100 Cash Back for Referring Friends

You can earn $100 cash back for every friend you refer who successfully applies for the Chase Freedom Unlimited. Up to $500 cash back can be earned per year in this way.

Friends must be invited using your personal referral link to be eligible.

Shop Through Chase

Cardholders can get more cash back at select retailers with the Shop Through Chase marketplace. You’ll find deals that come and go over time, which let you earn a good reward rate outside the bonus categories.

You’ll earn a certain number of points per dollar at these retailers, and each point will be worth 1 cent when redeemed for cash back statement credits with the Freedom Unlimited card. If you have a different card in the Ultimate Rewards program you can get more per point, as explained above.

In the table below, the Points per Dollar column shows the total points you’ll get, of one base point plus some number of bonus points.

The deals available in Shop Through Chase include:

Merchant Total Points per Dollar (1 Base + Bonus) Cash Back Equivalent 21X 21%
Norton by Symantec 16X 16%
Under Armour 6X 6% 6X 6%
Ulta Beauty 4X 4%
Groupon 4X 4%
Macy’s 4X 4%
Apple Store 3X 3%
The Home Depot 3X 3%
Best Buy 2X 2%

Chase Credit Journey

Chase offers the Credit Journey credit monitoring tool, providing a way to keep track of your credit from month to month. This provides your VantageScore 3.0, based on your TransUnion credit report.

This is a pretty handy tool because it charts your VantageScore over time, and tells you the key factors influencing your credit. There’s a simulator that lets you see how particular changes would affect your credit, like adding more credit cards, paying off debt, or maintaining a history of positive payments. And you can also see actual data from your TransUnion credit report, like the sum of your balances, your open and closed accounts, and the hard inquiries you’ve had in the last two years.

The Credit Journey service is free and available to anyone, whether you’re a Chase cardholder or not.

Many credit card issuers today offer some sort of credit monitoring service, although it’s not usually as comprehensive as this one. Most issuers simply provide one of your credit scores, either a FICO or VantageScore, along with some advice on how to improve it. But the Credit Journey tool presents an organized set of data from your TransUnion credit report, giving you a way to easily investigate the details on your credit report for free.

Discover provides their FICO Credit Scorecard, offering a FICO score based on your TransUnion report but not providing access to your actual credit report. Capital One has the CreditWise service, which is actually very much like Chase’s Credit Journey. It gives your VantageScore 3.0 based on your TransUnion report, and also provides information from that credit report. Both Discover and Capital One offer these services for free to anyone, cardholder or not, just like Chase.

Price Protection

Credit cards typically come with several shopping and travel protections, but Price Protection seems like one of the most useful to us. The main reason is that you can find more chances to use it than the other protections, which usually only kick in if something goes wrong in some way.

Price Protection will provide reimbursement if you find an eligible item being sold for a price less than what you paid. You can be reimbursed up to the difference in prices.

Certain terms and conditions will apply:

  • You must charge some portion of the purchase to your Freedom Unlimited card, or use rewards to pay for the purchase.
  • Reimbursement is available if you purchase an item and see a printed advertisement or non-auction internet advertisement for the same exact item within 90 days, for a lesser price.
  • The advertisement must specify the item, sale price, store or dealer’s name, and the dates for which it is in effect.
  • Up to $500 in reimbursement is available per item, or up to $50 for advertisements of cash only, close-out, liquidation, and going-out-of-business sales. If you paid only in part with your card, you’ll only be reimbursed up to that amount.
  • Keep your original receipts and any other paperwork related to the purchase.

Although many common purchases that people make every day will be covered, there are also certain items and situations that will not be covered.

Items and Situations Not Covered by Price Protection (Partial List)

  • Advertisements for flea markets, fire sales, limited quantity promotions, seasonal sales, and auctions
  • Advertisements of sales of discontinued or seasonal items, like holiday decorations, clothes, and costumes
  • Items advertised or shown as price quotes, bids, or final sale amounts from non-auction internet websites
  • Items purchased outside the United States
  • Items purchased for resale, professional, or commercial use
  • Manufacturer or merchant rebates
  • Animals and living plants

To file a Price Protection claim, contact the benefits administrator through customer support within 21 days of the date of the advertisement. You’ll be given a claim form to fill out and send back, which must be done within 45 days of making the original request. Receipts of purchase and other documentation will be required.

You’ll find Price Protection on many credit cards today, although it was more rare a few years ago. Citi provides an even better version called Price Rewind, which actually searches the internet for you, looking for cheaper prices. Discover recently removed almost all of their extra protections due to low usage among cardholders, but they left Price Protection in.

Roadside Dispatch

Roadside assistance is available 24/7 if you get in trouble while driving. Just call 1-800-847-2869.

The dispatcher you speak to will arrange for a local service provider to come help you out. You won’t need to find and call them yourself. You’ll need to pay for any third-party costs, but you might save money with this service because certain fees are pre-negotiated.

You can call for help like:

  • Towing, with up to 5 miles included in the price
  • Tire changing, though you’ll need to have a good, inflated spare
  • Jump starting to boost your battery
  • Lockout service when you don’t have a replacement key
  • Fuel delivery of up to five gallons (cost of fuel is extra)
  • Winching when within 100 feet of a paved or county-maintained road

This can be a useful protection to have, though hopefully you’ll never have to use it. Car trouble can be stressful, and the last thing you want to do is spend time looking for the help you need. A service like this can give you some peace of mind, especially when traveling far from home.

Lost Luggage Protection

If your bags fail to show up where they should, it’s good to have a Freedom Unlimited card. This benefit covers your checked and carry-on bags, along with their contents, from physical loss, theft, or damage. This benefit may come with your card if you get a Visa Signature version, otherwise you won’t have it.

Lost Luggage protection automatically applies when you pay for at least some portion of a common carrier fare using your card. You and your immediate family members are covered.

Up to $3,000 in coverage is available for each insured person. But only $500 in coverage is available for jewelry and electronic equipment.

If your bags are lost or damaged you must report the incident as soon as you exit the carrier. Then notify your benefits administrator as soon as possible by calling customer support.

Although many cases are included, there are some exclusions as well.

Situations Not Covered by Lost Luggage Protection

  • Documents, valuable papers, money, tickets, checks
  • Furs
  • Any loss of property resulting, directly or indirectly, from you attempting to commit an illegal act
  • If you fall onto the baggage carousel and take a ride, good try but you probably won’t count as luggage

So most situations will be covered, as long as you behave. But if you have any money, valuable documents, or mink coats in your bags you’ll be out of luck.

Other Shopping Protections

  • Purchase Protection: Your eligible purchases are covered for 120 days against damage and theft, up to $500 per claim.
  • Return Protection: If a merchant won’t take back your eligible item, you can be reimbursed up to $250.
  • Extended Warranty Protection: Eligible warranties of three years or less can be extended by an additional year.

Other Travel Protections

  • Travel and Emergency Assistance Services: Call for help if you get in trouble of any kind for legal and medical referrals, among other types of assistance.
  • Auto Rental Collision Damage Waiver: Provides coverage for theft and collision damage of rental vehicles, as long as the rental company’s own insurance is declined.

Visa Signature Protections

You will get these additional benefits if you have a Visa Signature version of the Freedom Unlimited.

  • Travel Accident Insurance: Up to $100,000 in coverage is available for accidental death and dismemberment while traveling by common carrier.
  • Trip Cancellation / Interruption: If your trip is cancelled or interrupted for an eligible reason, you can be reimbursed up to $5,000.

Other Benefits

This card comes with a few other features that are common to many credit cards, like:

  • Zero Liability Protection: You won’t be held responsible for unauthorized charges.
  • Fraud Alerts: Sign up to get notified of any possibly fraudulent card activity.
  • Fraud Protection: Real-time fraud monitoring software to help protect your account.

The Costs & Fees

Intro Purchase and Balance Transfer APR Regular Purchase APR Regular Balance Transfer APR Cash Advance APR
0% for 15 months 16.99%–25.74% Variable 16.99%–25.74% Variable 26.99% Variable
Annual Fee Foreign Transaction Fee Balance Transfer Fee Cash Advance Fee
$0  3% 5%, $5 minimum 5%, $10 minimum
Penalty APR Late Fee Returned Payment Fee
See Terms Up to $38 Up to $38

You get 15 months at 0% APR with this card, for both purchases and balance transfers. That gives you over a year to pay off purchases at no interest, or to pay off a balance from a different card with a high interest rate. That’s a pretty good offer for a cash back card, though you’ll need to pay a balance transfer fee as well.

Even if you have a 0% rate you’ll still need to make minimum payments every month. If you don’t you can lose your intro rate. After the 0% period runs out, we recommend paying your statement balance in full each billing period.

This will be good for your credit because it helps your credit utilization. And it will be good for your wallet because it prevents interest from accruing on purchases, helping you stay out of credit card debt.

There’s no annual fee to pay for this card. That means it can be a completely free way to to earn cash back, as long as you don’t fall into the trap of revolving a balance from month to month and accruing interest charges.

Customer Support

Phone Support

Chase Customer Support


1-302-594-8200 (outside U.S., call collect)

Chase isn’t really known for having the best customer support. If you’re calling with specific questions about your card, they can probably help you out. But if you’re wondering about a different card, or about some of the finer details of the rewards or benefits, you might have a hard time getting answers.

This happened to us when we tried to learn a bit more about the Chase Freedom Unlimited. We called customer support to ask about this card’s benefits: Is this card only available at the basic Visa Platinum, or is it available as an upgraded Visa Signature too?

We were told that this card is not available as a Visa Signature. Even though there are many people in various forums claiming to have a Visa Signature version of this card, Chase would have us believe that this is not true.

So, since this seemed a bit odd to us, we decided to call back and try a different rep. But again we got the same answers to our questions.

Chase maintains that this card is not available as a Visa Signature, despite people reporting otherwise. And, there’s also a Visa Signature Guide to Benefits you can find and browse online, further proof that you can get a Visa Signature card.

Although we hesitate to say that Chase’s customer support was straight up wrong about this, it does seem that they were misinformed. If you happen to have a Visa Signature version of the Freedom Unlimited card, please contact us and let us know.

Update: After speaking with a Chase rep again, we were told that the Freedom Unlimited is available at the Visa Signature level. This is what we figured, and we’re not sure why we got different information before.

Every year, J.D. Power conducts their Credit Card Satisfaction Survey. In 2017, Chase came in 5th place out of 11 major credit card companies, which is about where they usually place.

This isn’t very surprising to us, given our experience here. The reps we spoke to didn’t seem to couldn’t give us a good answer as to why so many people think they have a Visa Signature version of this card.

Although their customer support might not be the best out there, we think you’ll usually be able to find answers about your own card account. But it might take you a while on the phone.

Web Support

Twitter @ChaseSupport

If you’re a Chase cardholder you can send them a secure message through your online account. You can use this to get account-specific help.

They also have a Twitter customer support account, @ChaseSupport. Use this to ask basic questions, but never reveal any personal or account information on Twitter or other social media sites.

The Bottom Line

The Chase Freedom Unlimited Credit Card is pretty straightforward and easy to understand.

You’ll get a base rate of 1.5% cash back every time you use it, and a 0% intro APR for 15 months for both purchases and balance transfers. After that, the regular 16.99%–25.74% Variable APR starts. The $150 signup bonus for spending $500 in the first three months is quite rewarding and pretty easy to earn.

The extra benefits are fairly simple for the most part, although you may be able to get an upgrade to Visa Signature. This would be a slight improvement, although most people don’t end up using these credit card protections very often.

Is it a good card for you? If you want to make a wide variety of purchases, a general-use cash back card like this is a good option. Other cards offer higher rewards for certain types of spending, like groceries or gas. But they’re not as good for other purchases, only offering 1% back when you spend outside the categories.

If you’re looking for a simple card that provides a decent reward for your spending, the Freedom Unlimited is not a bad fit at all. But there are other general-use cash back cards as well, and one of them could be a better fit for you. Check out some of those alternative cards below.

How to Apply for the Chase Freedom Unlimited Card

Apply for the Chase Freedom Unlimited securely on Chase’s website.

We're currently unable to link directly to an application for the Chase Freedom Unlimited, but you can learn more here, on our advertising partner's website.

Most applicants will get an instant decision, but it could take longer in some cases. Chase may contact you for more information.

Qualifications and Requirements

  • Must be 18 to apply
  • Personal identifying information, including SSN, email address, and phone number
  • Total annual income, and source of income
  • Monthly mortgage/rent payment
We're currently unable to link directly to an application for the Chase Freedom Unlimited, but you can learn more here, on our advertising partner's website.

Alternatives to the Chase Freedom Unlimited Card

Citi Double Cash Card

We consider the Citi Double Cash (Review) to be one of the best general cash back credit cards, thanks to a rewards program that lets you earn a good rate no matter where you shop.


  • 2% cash back for every purchase you make
    • 1% back when you make a purchase
    • 1% back when you pay for that purchase
  • Signup bonus: $100 cash bonus for spending $500 in the first 3 months after account opening

So your cash back is split, which is unlike most credit cards. You’ll get the second half when you pay your bill, either in part or in full like we recommend. But this 2% rate is higher than any other cash back card without an annual fee. Most offer 1.5% at the most, like the Freedom Unlimited.

It’s pretty clear to see that the Double Cash has a better normal cash back rate than the Freedom Unlimited. However, you’ll be able to get a bit more cash back from the Chase card’s signup bonus, at $150 for the same amount of spending. But the Double Cash has better long-term earning potential.


You’ll get most of the same extra benefits with these two cards, like Purchase Protection and Travel and Emergency Assistance Services. But there are a few reasons to think the Double Cash has slightly better benefits on average.

First of all, although both cards offer Price Protection, the Double Cash comes with a version called Citi Price Rewind. This tool will search the internet for you, looking for lower prices on your purchases up until 60 days after the date of purchase. This is easier than having to search yourself, although you can still do your own research. You’ll need to register items for Price Rewind, it won’t happen automatically.

Next, the Citi card offers a concierge service, which is a rare find on a no-annual-fee card (the Freedom Unlimited may offer it, but only if you’re approved for a Visa Signature card). It’s not the most useful benefit, and you may not use it very often, but it can come in handy if you’re traveling and need some advice on where to eat or stay for the night. The concierge can also make dining reservations or help you locate difficult-to-find gifts.

Lastly, when calling customer support for the Double Cash, you can say “representative” to speak with a human rep more quickly. It won’t be quite as quick and easy as that, but it’s better than the phone systems for many other cards.

Costs & Fees

There’s no annual fee for the Double Cash, just like the Freedom Unlimited.

The Double Cash is good for transferring a balance, offering 18 months at 0% APR for balance transfers. But there’s a fee of 3% for balance transfers. This intro rate only applies to balance transfers, not purchases. The Freedom Unlimited provides 15 months at 0% for both purchases and balance transfers before the regular 16.99%–25.74% Variable APR kicks in, making it more useful. It’s just a few months shorter but it covers purchases too, which seems like a better offer in our opinion.

Overall, the Double Cash is a bit more rewarding than the Freedom Unlimited, and the extra benefits are a bit better too. But you won’t get a signup bonus, or a 0% intro rate on purchases with the Double Cash. The right card for you will probably depend on your personal preferences.

Read more in our Review of the Citi Double Cash Card

Capital One Quicksilver Cash Rewards Card

The Capital One Quicksilver Cash Rewards Card is pretty similar to the Freedom Unlimited in most ways.


  • 1.5% cash back for every purchase you make
  • Signup bonus: $150 cash bonus for spending $500 in the first 3 months after account opening

Just like the Freedom Unlimited, you’ll get 1.5% cash back on every purchase. And it has the same possible $150 introductory bonus for spending $500 in the first 3 months.


Your benefits with the Quicksilver Cash Rewards will depend on your credit limit with the card. If your credit line is below $5,000, you’ll get a regular Visa Platinum. If your credit line is $5,000 or above, you’ll get a Visa Signature with slightly better benefits, including a concierge and certain shopping and travel discounts.

The Freedom Unlimited is available at these two benefit levels too. So you can potentially get the same extra protections and perks with each of these cards.

Capital One also provides the CreditWise service, which is pretty similar to the Credit Journey from Chase. Both tools provide your VantageScore 3.0 based on your TransUnion credit report, and allow you to see data from your actual TransUnion report.

Costs & Fees

The Quicksilver Cash Rewards has no annual fee, like the Freedom Unlimited. It also has no foreign transaction fees, while the Freedom Unlimited will charge 3%. So the Capital One card is obviously the better choice for any spending outside the U.S.

Other than that, the Quicksilver Cash Rewards has a 0% intro rate for purchases and balance transfers for 9 months. That’s 6 months shorter than the Freedom Unlimited, which offers 15 months at 0% before the regular 16.99%–25.74% Variable APR starts on purchases and balance transfers.

These cards are more alike than they are different, but there are still a few important differences. The Capital One card offers a potential $150 introductory bonus, which is the same value as the Chase Freedom Unlimited’s possible bonus. And the intro rate is half a year shorter with the Capital One card. Overall, the Freedom Unlimited will probably be the better option.

HSBC Cash Rewards Mastercard

The HSBC Cash Rewards Mastercard (Review) is a very close offer to the Chase Freedom Unlimited, but it provides slightly better rewards and has a few other different features.


  • 1.5% cash back on every purchase, with no limit to the amount you can earn
  • Signup bonus: $150 cash back for spending $500 in the first 3 months after account opening
  • 10% Anniversary Bonus on all cash back rewards earned in the previous year

So you’ll earn 1.5% cash back normally, but every year you’ll get a 10% bonus on everything you earned. That means you get an effective rate of 1.65% cash back.

The $150 cash bonus when you spend $500 is a good introductory offer, which is the same potential bonus you can earn with the Freedom Unlimited.


The extra benefits for the HSBC card match the Freedom Unlimited, for the most part. It has Purchase Protection, Price Protection, an Extended Warranty, and quite a few others. In this case the benefits are serviced by Mastercard, rather than Visa.

If you get the Freedom Unlimited at the Visa Signature level it could come with some benefits that the HSBC Cash Rewards won’t have. These might include a personal concierge and discounts at select merchants while traveling and shopping. However, these usually aren’t major decision points when choosing a credit card.

Costs & Fees

The HSBC card has no annual fee, like the Freedom Unlimited. There are just a couple differences between the cards here.

You’ll get a 0% intro rate for 15 months for balance transfers only with the HSBC card. It doesn’t cover purchases, like the Chase card.

There are no foreign transaction fees when spending outside the country with the HSBC card, so it’s a better option for anyone traveling abroad. The Freedom Unlimited will charge 3% for those purchases.

Read more in our review of the HSBC Cash Rewards Credit Card

Discover it Credit Card

The Discover it Credit Card (Review) is a different type of card than the others mentioned above. Instead of a single cash back rate for all purchases, the Discover it has bonus categories that provide better rewards for certain purchases.


  • 5% cash back on the first $1,500 spent per quarter in categories that rotate throughout the year (see calendar below)
  • 1% cash back on all other purchases
  • Cashback Match: new cardmembers get double the cash back earned in the first year

The 5% cash back calendar for the Discover it for 2019 is:

Quarter 5% Cash Back Category
January – March Grocery Stores
April – June Gas Stations, Uber, Lyft
July – September Restaurants
October – December

So you’ll normally be earning 5% back on purchases in these categories, but the Cashback Match means you’ll actually get 10% back in the first year. Other purchases will earn 2% back that first year, which is better than the Freedom Unlimited. This is a fantastic deal for a credit card, especially for one without an annual fee.

You’ll need to manually activate the cash back categories every quarter before you can start earning at the 5% rate. Discover can remind you to do so, with emails and text messages. This card takes a bit more work to understand and use than the Freedom Unlimited, but it also provides better rewards.

A card with cash back categories like this can work well in combination with the Freedom Unlimited. When considering their base cash back rates, you can use the Discover it whenever you’re spending in the active 5% category. And then use the Freedom Unlimited for all your other spending to get 1.5% back.

But if you consider the Cashback Bonus on the Discover it, things are a bit different. During your first year with the Discover card your cash back is doubled, so it would be wiser to use it for all your purchases (getting 10% back in the categories, 2% back everywhere else).


You’ll get better benefits with the Freedom Unlimited, because the Discover it doesn’t have much in the way of perks.

Discover cardholders will get the FICO Credit Scorecard, which will monitor your FICO Score 8 based on your TransUnion credit report. It’s very much like the credit monitoring service offered by Chase, Credit Journey. But Chase provides your VantageScore 3.0, instead of a FICO score, and also shows you helpful data from your TransUnion report.

Costs & Fees

There’s no annual fee for the Discover it. And there are no foreign transaction fees, although Discover doesn’t have great acceptance outside the U.S. so it might be tough to find places to use your card.

Cardholders of the Discover it get a 0% introductory APR of 14 months for purchases and balance transfers. That’s just one month shy of the Freedom Unlimited’s offer, so there’s not much difference there. After the introductory periods end, the regular APR of 13.99%–24.99% Variable will apply to purchases and balance transfers.

The main difference between the Discover it and the Freedom Unlimited is the way they offer cash back. But that also makes them a good pair of cards to use together, because their rewards programs complement each other well.

Read more in our Review of the Discover it Credit Card

We're currently unable to link directly to an application for the Chase Freedom Unlimited, but you can learn more here, on our advertising partner's website.

Do you use this card? How do you like it? Leave your own review of the Chase Freedom Unlimited, we’d love to hear from you!

Looking for other rewards credit cards? Check out our picks for the Best Reward Credit Cards.
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The Insider

Susan Shain
No Credit Check Credit Cards (And Why We Don’t Recommend Them)
Susan Shain | Dec 07, 2018

Looking for a no credit check credit card that also offers instant approval? Here are our recommendations — plus why you should proceed with caution.

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Brendan Harkness
Review of the Victoria’s Secret Angel Card
Brendan Harkness | Dec 01, 2018

The Victoria's Secret Angel Card and PINK card are popular for their rewards. But are these store cards worth getting? Read our review to find out.

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Susan Shain
What Are Contactless Credit Cards? And How Do I Get One?
Susan Shain | Nov 29, 2018

Contactless credit cards are finally catching fire in the U.S. Here’s how to use this futuristic technology — and start paying with a wave of your hand.

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