The Chase Freedom Unlimited Benefits You Can Use

June 10, 2024

chase freedom unlimited benefits

Do you want a card that gives you a $200 bonus when you sign up? If you said yes, then apply for chase freedom unlimited benefits card right now.

You get the most lucrative bonuses with this card. For instance, the card offers 3% cashback when you use it to pay in restaurants. 

Experts say the joining bonus and additional first-year perks of the Chase freedom unlimited benefits have no competition. 

Here, we will explore the benefits most suitable for Americans and why. For example, 56% of the people in the US like cash back rewards from their credit cards. 

This card also offers flexible redemption options, typical for all Chase cards. However, only some other vendors offer this flexibility to customers.  

 The best Chase unlimited Freedom benefits are $0 annual fees and a variable reward rate of 1.5 to 5%. There are tons of other benefits, too.

Cashback Rewards

Cashback Rewards

Who doesn’t love cash backs? A cash back cc is most popular in the US. Around 68% of CC holders in the US have a cash back credit card. 

But there are some unique benefits of chase freedom unlimited. I have listed the primary benefits here. So, you will understand why you must apply for this card. 

  • 1.5% cash back on every purchase, every day
  • 5% cash back on travel purchased through Chase Ultimate Rewards card
  • 3% cash back on dining (in or out)
  • 3% cash back in drugstores

Additional Benefits

Additional Benefits

There are some additional benefits with all cards. The benefits target specific target customer niches. For instance, the Discover It Miles card appeals to travelers. To learn more about it, read the Discover it Miles Credit Card Review 2024 article.

Let’s get back to discussing the chase freedom unlimited benefits card. 

Purchase Protection up to $500 per claim and $50,000 Per Account

I believe this is the most exciting offer on this card. In 2023, there were 426000 reports of cc fraud in the US. So, you know how critical this feature is.

Chase freedom unlimited benefits include zero liability protection. This means that you will not be responsible for any unauthorized charges accrued due to the evil use of your card. 

Your Chase unlimited freedom card also protects any theft or damage claim of up to $500.

Any new purchase (within $500) is protected for 120 days (about four months). In your lifetime, you will get the Protection of $50000 in all. 

Trip Cancellation/Interruption Insurance up to $1,500 Per Person and $6,000 Per Trip

To get this benefit, just use your chase unlimited card fir payment. You will get a reimbursement of up to $1500. 

This is the highest reimbursement you can get (for each person). 

The chase freedom unlimited visa card covers you, even if you booked pre-paid and nonrefundable travel options for a trip. A customer can get a maximum reimbursement of $6000 for each trip despite booking nonrefundable tickets with the Chase card. 

24/7 Fraud Monitoring For Credit Card Purchases

Chase monitors your credit card activity round the clock. So, they can track any sort of unscrupulous or anonymous card related activity. 

Chase suggests three ways to make credit card purchases more secure:

  • Activate message alerts to get notifications of any payment or ancillary activities from your card. 
  • Update your phone number and email. So, Chase representatives can call you in case of any fraudulent activity. 
  • Avoid paper statements. Go cashless. As a result, you can check online statements whenever you want to. Thus, you may also ensure that the transactions against your freedom unlimited benefits are accurate.

Extended Warranty Protection

The freedom chase unlimited cc offers an extended warranty like other Chase bank cards.

You get a one-year extended warranty against most purchases using the chase unlimited benefits card. 

But you won’t get this offer under certain conditions. For instance, if you have already purchased for more than three warranty years, you’re not eligible. 

Auto Rental Collision Damage Waiver

 The Auto Rental Collision Damage Waiver (CDW) offers reimbursement against theft, collision, or other forms of damage. You may get compensation equal to the actual cash value of your card. 

It acts as secondary insurance for your vehicle, too. 

However, the actual compensation also depends on a range of different factors. These factors are:

  • Type of car rented
  • The location where the damage or theft occurred 

Redemption Options

Redemption Options

You may get lucrative cash backs from different cards. However, such cash backs may be all redundant. Guess why?

Many banks offer a complex web of different cash back options but minimal ways of using them. But that’s not the case with chase freedom unlimited benefit cc. 

Cash Back Rewards That Never Expire

One of the benefits of chase freedom unlimited card is that the cash back never expires. You can use your accrued cash back throughout your lifetime. So long as your account is active, you can continue using your rewards and cash back.

You can redeem it even if you have $0.5 in your account. So, there’s no minimum cap on the cash back you can redeem at a time.

Redeem For Ash

Most credit cards do not allow you to withdraw cash directly. But that’s not how chase freedom unlimited benefits cc works. 

You can use the card to withdraw cash directly from any ATM. You can also withdraw money from any Chase bank branch using this card. 

There is a never-ending list of ways to redeem your credit value from the chase freedom unlimited benefits cc. Other than the ones I discussed, people also:

  • Redeem for shopping with gift cards or retailers
  • Redeem for travel through Chase Ultimate Rewards Portal

Comparison With Other Chase Cards

Comparison with Other Chase Cards

All Chase cards have some unique features. But they are credit cards at the end of the day. So, you need to learn what differentiates them. Below is a comparison between a few popular Chas bank credit cards. 

Comparison With Freedom Flex and Freedom Rise Credit Cards

CardAnnual FeesStatutory RewardsAPR Rate
chase freedom unlimited benefits ccNo annual fees1.5 % on all statutory purchases0% APR for the first 15 months and then a minimum of 20.49%.
Chase Freedom FlexNo annual fees  No statutory rewards0% APR for the first 15 months and then a minimum of 20.49%.
Chase Freedom RiseNo annual fees  1.5 % on all statutory purchases26.99 to 29.99% variable APR

Highlighting Unique Benefits and Reward Structure

I find that the statutory benefits of the chase freedom unlimited benefits cc are most lucrative. You get 1.5% cash back against every dollar you spend on your card.

However, this card offers more statutory benefits for travel and dining. For travel, users get 5% cash back, if they pay from chase freedom unlimited benefits cc. And 3% cash back on dining.

How To Apply?

How to Apply

After reading this far, you may be interested in applying for chase freedom unlimited benefits cc. So, learn the application process in detail here.

Application Process For Chase Freedom Unlimited Credit Card

To apply, you must first have a FICO score of 670. The following steps are:

Step 1: signing into

Step 2: You can also apply as a guest 

Step 3: enter relevant personal details 

Step 4: Enter your SSN or ITIN

Step 5: Enter address details and contact details

Step 6: enter details about your income source

Step 7: progress to authorization and validation

Step 8: Choose your favorite chase card from the list of cards for which you are eligible 


In conclusion, I want to highlight some reasons for applying for this card. We did a head-to-head comparison of the chase freedom unlimited benefits card with other cards here.

It is apparent that no other card provides such lucrative purchase protection and trip cancellation insurance. I am also convinced by their 24×7 monitoring facility. 

Some other unique features of the card are extended warranty and Auto Rental Collision Damage Waiver. It’s easy to apply for a chase freedom unlimited benefits credit card. You can also enjoy using it without any annual charges. So, rush and hit the Apply button.

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Ankita Tripathy

Ankita Tripathy loves to write about food and the Hallyu Wave in particular. During her free time, she enjoys looking at the sky or reading books while sipping a cup of hot coffee. Her favourite niches are food, music, lifestyle, travel, and Korean Pop music and drama.

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