Chase Freedom Unlimited (CFU) Credit Card (2016.11 Updated: $300+$25 Targeted Offer!)


Chase Freedom Unlimited (CFU) Review

2016.11 Update: Some people (data points in Chinese: 1, 2) recently got a 30k+2.5k targeted offer when they applied in branch. Several days ago, there was a CSP in branch 70k+5k targeted offer and many people successfully got matched, so perhaps this CFU targeted offer can also be matched! If you applied within 90 days, you should send Chase a secure message (SM) to ask to match offer!


Application Link: 


  1. Earn 15,000 Ultimate Rewards (UR) points after spending $500 in 3 months from account opening. You can get 2.5k more points by adding an authorized user. 
  2. Earn 1.5x UR on everything, no cap!
  3. If you only have the CFU card, you can only redeem your UR points to cash in a 1 cent/point ratio. But if you have the Chase Sapphire Preferred (CSP) or Chase Sapphire Reserve (CSR) credit card, you can transfer your points from CFU to CSP/CSR, and further transfer them to many frequent traveler programs. UR points earned by this card, if used to transfer to airline miles, are worth about 1.6 cents/point; if used to transfer to Hyatt points, are worth about 1.8 cents/point (Bank & Credit Card Points Value). So 1.5x UR is worth about ~2.4% in return! For more information about Ultimate Rewards (UR), see Maximize the Credit Card Points Values (overview) and Review of Chase Ultimate Rewards (UR) (very detailed).
  4. Refer a friend (targeted): You can earn 5,000 bonus UR points for every approved account you refer, up to a maximum of 10 approved referrals (50,000 UR points) per calendar year.
  5. No annual fee.


  1. It has a foreign transaction fee, so not a good choice for using outside US.


1.5x UR on everything worths about ~2.4% in return. The return is even higher than the Citi Double Cash (DC)! So as long as you are interested in points/miles, and you have/will have CSP/CSR to convert UR points, this card is great for non-bonus categories. If you want this card but you think the sign-up bonus is not enough, or you are limited by the 5/24 rule, you can convert your other Chase credit cards (FreedomCSPCSR ) to this card (there’s no sign-up bonus for conversion). The Freedom + CFU + CSP/CSR combo makes the UR currency even better than before! The biggest drawback is that, these UR cards are hard to get because of the 5/24 rule.

Related Credit Cards:

Recommended Application Time:

  1. [5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will reject your application for this card.The number of new accounts includes all credit card accounts, not only Chase accounts. Recently some data points have shown that there are exceptions to this rule, but if you really want this card, play it safe and be sure to apply for it as soon as you are eligible. See this post for details.
  2. You are not eligible to this sign-up bonus if you received a sign-up bonus on this card within 24 months. Note that what matters here is the time you got the sign-up bonus, not the time you open the account or close the account.
  3. Don’t apply for more than 2 Chase credit cards within 30 days, or it’s highly likely that you will get rejected.
  4. If you have more than $10,000 deposits in Chase checking, you can get this card even with no credit history at all. You can go to a branch and find a banker to apply for this credit card directly through Special Consideration. Special Consideration is no longer available.
  5. We recommend you to apply for this card after you have a credit history for more than 8~9 months.

After Applying:

  • Call 800-436-7927 to check Chase application status. This is an automated telephone line, and the information has the following meanings: Receive decision in 2 weeks means your application is probably approved; Receive decision in 7-10 days means your application is probably rejected; Receive decision in 30 days simply means your application requires further review and there’s nothing to tell you for now.
  • Chase reconsideration backdoor number: 888-270-2127 or 888-609-7805. Call it if you didn’t get approve immediately. Your personal information will be acquired and they will then review it. You seldom answer questions, instead, just enjoy the music and then you get approved or rejected, or further information is needed to be hand in to the branch or faxed.

Historical Offers Chart:

Application Link: 

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