Chase Freedom Law Unlimited

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2025.12 Renewal: The current offer is a $300 bonus after spending $500 in 3 months!

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Benefits

1. $300 offer: Get $300 cash back after spending $500 in the first 3 months. This is the most common offering we’ve seen on this card. Best offer of Theoretical Cash Back (3x) in first 12 months because it has no cap.
2. Get 5% cash back they visited it was bought by the final dismissal Rewards, earn 3% on dining (restaurants and delivery) and drugs.
3. Get 1.5% cash back on all purchases off the cap!
4. Although this card is advertised as a cashback card, it actually earns the last (ur) points: ie the $300 Sign-up bonus is a earning points sign-up bonus, and the 1.5x cashback rate is actually 1.5x cashback rates. We estimate that ur points are worth 1.6 cents / point, see below for a brief introduction. So the 30k signup bonus is worth about $480, and the 1.5x ur earning amount is worth about 2.4%!
5. Refer a friend: You can get 10,000 ur bonus points with every approved account you refer, up to a maximum of 5 allowed transfers (50,000 ur points) per calendar year.
6. There is no annual fee.

Bad

1. It has foreign exchange fees, so it’s not a good choice outside of the US.

Introduction to ur points

• You can earn ur points with Chase Freedom Student, chase freedom, chase freedom unlimited (CFU), Chase Sapphire Reserve (CSR), chase Ink Cash (Business), Chase Ink
• You can transfer your ur points from one ur card to another at any time.
• Ur points never expire. You will lose ur points on one card when you close the account, but you can prevent losing your ur points by transferring points to another ur card beforehand.
• If you redeem preferred sapphire (CSP), Chase Sapphire Reserve (CSR), or preferred Chase Ink (business), UR Points can be transferred to certain hotel points. Another best way to use ur points is 1:1 Transfer to Hyatt points. ur points can also be transferred to other airline miles. One of the most common and best ways to use ur points 1:1 transfer them to United Airlines (UA) miles (Star Alliance), and combine them with UA miles earned on the UA card. Some good options are: Southwest (WN-Alliance), British Airways (BA) (OneWorld), vorgin atlantic (vs) (anc-alliance (alc-alliance)
• If you fire Sapphire Reserve (CSR), you can redeem your ur points for up to 2.0 cents for airline tickets or hotels in the travel feature of “Raising Points”; If you’ve worn Sapphire Preferred (CSP) or Chase Ink Preferred (business), the price goes up to 1.5 CPP (or 1.75 CPP for Premium Cabib).
• If you have other ur cards, you can redeem your ur points at a rate limited to 1 cent / point towards cash.
• In summary, we estimate that ur points are worth cents / point / point.
• For more information on UR points, see Maximize Credit Card Points Values ​​(overview), and UR Import: How to use and import (more detailed).

Recommended application period

1. [5/24 Rule] If you have 5 or more new accounts opened in the last 24 months, Chase will not allow you to apply for this card, no matter how high your score is. The number of new accounts includes all credit card accounts, not just checking accounts. See this post for details on how to bypass this rule.
2. This product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the last 24 months. Note that what matters here is the time you receive the signup bonus, not the time you open or close the account.
3. Do not apply for more than 2 credit cards within 30 days, or you will most likely be denied.
4. If you have deposits of more than $10,000 in cash, you can get this card even without a credit history. You can go to the branch and get the banker to apply for this credit card directly with special consideration. Special consideration is no longer available.
5. We recommend that you apply for this card after having a credit history of more than 8~9 months.

To put it briefly

1.5x ur earnings rates in all should be ~2.4%. The return is much higher than the 2% money making cards! So as long as you are interested in points / miles, and you have / will have CSP / CSR to convert ur points, this card is good for non-bonus categories. In 2020.09, a 3X Dining rate has been added to this card, making this card even stronger. This card makes some credit cards less desirable. Everyone should have one! If you want this card but think the sign-up bonus isn’t high enough, or you’re limited by the 5/4 rule, you can switch to other Chase Cards (CFF, CSP, no sign-up bonus). CFF + CFU + CSP / CSR combo makes ur money better than ever! The biggest drainback is the difficulty in getting ur cards because of the 5/2 rule.

Credit cards are related

After applying

• Call 800-436-7927 to check the status of the chase application. This is an automated call line, and the information has the following definitions: Get a decision in 2 weeks means your application is likely to be approved; Get a decision in 7 – 10 days means your application has been rejected; Get a decision in 30 days it just means your app needs updating and I can’t tell you anything now.
• Chase Resersoor Backdoor Number: 888-270-2127 or 888-609-7805. Call it if you haven’t agreed immediately. Your information will be received and then viewed. You don’t have to answer the questions, instead, just enjoy the music and get approval or rejection, or other information is needed to be placed in the branch or by fax.

History Chart

Note that sometimes there were all 3x admission offers for the first year. This is not shown in the chart. Sometimes there is $200 + 5% in stores for the first year’s offer, and the last part is not shown in the program.

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Editorial Disclosure: The opinions expressed here are the author’s alone, and not those of any bank, credit card issuer, hotel, airline, or other organization. This content has not been reviewed, endorsed or otherwise approved by any of the companies featured within the post.

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