What makes this credit card offer different
This credit card offer should be judged by net value after annual fees and required spend, not just the welcome-bonus headline.
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Credit Card
Chase Freedom Unlimited Bonus — Up to $200 + $25
Apply to Chase Freedom Unlimited Bonus and earn up to $225 in combined sign-up and referral bonuses.
Qualifying Period
Within 90 days of account opening
Payout
6 to 8 weeks
Requirements
- ✓$500 minimum spend in first 3 months
- ✓Spend $500 on purchases within first 3 months
- ✓Spend $500 on purchases in first 3 months
- ✓$500 in purchases within first 3 months from account opening
- ✓5% cash back on gas and grocery purchases applies only to first cardholder year, capped at $12,000 combined purchases
Restrictions
- ⚠New customers only
- ⚠No new cardmember bonus in past 24 months
- ⚠In-branch application required (for 5% gas/grocery tier)
- ⚠New cardmembers only
- ⚠No current or recent (24-month) cardmembers of this credit card
- ⚠In-branch application only
- ⚠New cardmember only
- ⚠No bonus if received one in past 24 months
- ⚠New cardmember bonus only once every 24 months
- ⚠In-branch application only (for 5% gas & grocery variant)
- ⚠Cannot receive bonus if you've received a welcome bonus on this card in the past 24 months
- ⚠New cardholders only (no bonus within past 24 months)
- ⚠In-branch applications only
Fees
- $0 annual fee
- 5% gas & grocery promotion capped at $12,000 combined spend for first year (in-branch offer only)
- Bonus awarded as 20,000 Chase Ultimate Rewards points, redeemable for $200 cash back
- 5% cash back on gas and grocery purchases capped at $12,000 in combined first-year spend (additional $600 max)
- Excludes Target and Walmart for the 5% category
- After first year, standard 1.5% cash back on all purchases applies
- Bonus paid as 20,000 Chase Ultimate Rewards points
- 5% gas/grocery bonus variant mentioned in title only documented for in-branch applications as of May 2026 on third-party sources; not advertised on current official product page
- 5% gas & grocery bonus (up to $12,000 spend) is an in-branch promotional variant not documented on Chase's main product pages
- Standard offer on main Chase website shows $200 bonus after $500 spend with no 5% gas & grocery category
- Bonus advertised as cash back but awarded as Ultimate Rewards points (20,000 points = $200)
- 5% category on gas and grocery is limited to first cardholder year
- 5% cash back maxes out at $12,000 in combined gas and grocery purchases; reverts to 1.5% after that
- Bonus is awarded as 20,000 Ultimate Rewards points (marketed as $200 cash back)
- 5% cash back on gas and grocery purchases (excluding Target and Walmart) limited to $12,000 combined spend in first year
- Account must be open and not in default at time of bonus fulfillment
- Purchases exclude balance transfers, cash advances, travelers checks, money orders, wire transfers, lottery tickets, casino chips, and fees
Total potential bonus
$225
Additional Referral Bonus (how it works)
$25
Your 50% share of $50 paid directly by the referrer
View Referral Terms →$200 (sign-up) + $25 (referral) = $225 total
Last updated July 28, 2026
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Jul 28, 2026Change detected
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How to evaluate Chase Freedom Unlimited Bonus
Before applying, compare the welcome bonus against the annual fee, minimum spend, rewards currency, and issuer eligibility rules for repeat cardholders.
Qualification checklist
Timing
- Qualifying period
- Within 90 days of account opening
- Payout timeline
- 6 to 8 weeks
How to qualify
- $500 minimum spend in first 3 months
- Spend $500 on purchases within first 3 months
- Spend $500 on purchases in first 3 months
- $500 in purchases within first 3 months from account opening
Common pitfalls
- New customers only
- No new cardmember bonus in past 24 months
- In-branch application required (for 5% gas/grocery tier)
- New cardmembers only
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $1,450 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include $200 sign-up bonus, $25 referral share for a total displayed potential of $225. Confirm which apply path you use before assuming every component stacks.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
Can Chase Freedom Unlimited Bonus stack with a referral?
Credolix tracks a referral path for this offer. The displayed user share is $25 based on 50% of the listed referral payout.
