Earn up to 3% Cash Back on All Your 2024 Holiday Shopping With This Chase Rewards Card

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KEY POINTS

  • The Chase Freedom Unlimited®'s current welcome offer can double your cash back.
  • Keep the card after the welcome offer is over for its excellent purchase rewards.
  • Pair with a Sapphire card for more travel redemption options.

Since everyone in the family has their own interests, holiday gift shopping can mean hitting a lot of different stores. For me, that means a different rewards credit card for nearly every stop as I work to maximize purchase rewards at each location.

However, if you're not inclined to track and manage half a dozen different credit cards, I have a much easier solution for you: a flat-rate rewards card. Specifically, the Chase Freedom Unlimited® card.

Ratings Methodology
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Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Good
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases and Balance Transfers for 15 months

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR

19.74% - 28.49% Variable

Rewards Circle with letter I in it. Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

1.5% - 5% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to $300 cash back

  • A cash back card that has it all with unlimited 1.5% - 5% cash back rates and an excellent 0% intro APR offer. There's also an innovative sign-up bonus worth up to $300 cash back. With the bonus, you’ll earn 4.5% cash back on dining and drugstores, 6.5% on travel booked through Chase Travel, and 3% on all other purchases (on up to $20,000 spent in the first year). After the bonus, you’ll still earn the regular cash back rates on every purchase.

    • Innovative sign-up bonus
    • Purchase and travel protections
    • Robust rewards program
    • Great intro APR
    • No annual fee
    • Limited bonus opportunities on everyday spending
    • Foreign transaction fee
    • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
    • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
    • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
    • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
    • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
    • Member FDIC

While this card is always a good pick for a one-card wallet thanks to unlimited 1.5% cash back, the current limited-time welcome bonus makes it an even better option for your holiday shopping this year.

Double your cash back for a limited time

The deal: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

So that's an effective 3% cash back rate on all of your holiday shopping -- unless you're buying something really, really big -- regardless of where you find just the right gift. This is the easiest way I can think of to get such a high rate on all of your purchases (without multiple cards).

Wondering what 3% cash back looks like? Here's the math:

Total Spend 3% Cash Back
$500 $15
$750 $23
$1,000 $30
$1,500 $45
$3,000 $90
$5,000 $150
$10,000 $300
$20,000 $600
Data source: Author's calculations.

Want more options for cash back rewards? Click here to see our top picks for cash back credit cards.

Other perks of the Chase Freedom Unlimited®

In case you're thinking this card is only good for the welcome offer, let me show you a few other features you can enjoy:

  • Earn 5% cash back on travel purchased through Chase Travel: You can also redeem your rewards in the portal, though it's not the best value you can find.
  • Unlimited 3% cash back at drugstores, restaurants, takeout, and eligible food delivery: Great for foodies that enjoy eating out as much as ordering in.
  • Unlimited 1.5% cash back on all other purchases: Once you hit the welcome bonus cap or the offer ends, you'll still earn 1.5% cash back on purchases with no categories or activation.

You can easily redeem cash back rewards for a statement credit, which is the easiest and more straightforward option. Or you can pair this card with a Sapphire card for better value.

Combine your rewards for free travel

Technically, the Chase Freedom Unlimited® earns Ultimate Rewards points. If you only have Freedom cards, those points are generally best used for cash back.

However, your options open up if you also have one of these travel rewards cards:

If you also have an eligible Chase travel rewards card, then you can combine all of your points and transfer them to a travel partner. This includes more than a dozen hotel and airline loyalty programs where you can turn your rewards into free hotel stays and flights.

This welcome offer is only available for a limited time, so if you're interested, you should act sooner rather than later.

Our Research Expert