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 + $1
Apply to Chase Freedom Unlimited Bonus and earn up to $201 in combined sign-up and referral bonuses.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $200 |
Qualifying Period
within 3 months of account opening
Payout
6 to 8 weeks after qualifying spend is completed
Requirements
- ✓$500 in purchases in first 3 months from account opening
- ✓$500 in purchases within first 3 months from account opening
- ✓Minimum $500 spend in first 3 months
- ✓Spend $500 on purchases within first 3 months from account opening
- ✓$500 minimum spend in first 3 months
- ✓Spend $500 on purchases within first 3 months
- ✓Spend $500 on purchases in first 3 months
- ✓5% cash back on gas and grocery purchases applies only to first cardholder year, capped at $12,000 combined purchases
Restrictions
- ⚠New cardmembers only
- ⚠No previous bonus within the past 24 months
- ⚠Not available if you already have this card
- ⚠No bonus if current or previous cardholder who received bonus within last 24 months
- ⚠Cannot receive bonus if you received a new cardmember bonus for this card within the last 24 months
- ⚠In-branch application only
- ⚠5% gas/grocery benefit applies to first card member year, up to $12,000 combined spend
- ⚠New customers only
- ⚠No new cardmember bonus in past 24 months
- ⚠In-branch application required (for 5% gas/grocery tier)
- ⚠No current or recent (24-month) cardmembers of this credit card
- ⚠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
- Bonus is paid as 20,000 Chase Ultimate Rewards points redeemable as $200 cash back
- Purchases exclude balance transfers, cash advances, travelers checks, and foreign currency
- Account must be open and not in default at time of bonus posting
- Purchases exclude balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers, lottery tickets, casino chips, betting transactions, checks, interest, unauthorized/fraudulent charges, and fees
- 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 in combined purchases within first year, then 1% thereafter
- Bonus awarded as Ultimate Rewards points (not literal cash back)
- Bonus awarded as 20,000 Chase Ultimate Rewards points, redeemable as $200 cash back
- 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) limited to $12,000 in first card member year, then 1% thereafter
- Offer varies by application channel (online vs. in-branch)
- 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)
Total potential bonus
$201
Additional Referral Bonus (how it works)
$1
Your 50% share of $1 paid directly by the referrer
View Referral Terms →$200 (sign-up) + $1 (referral) = $201 total
ExpiredOffer expired April 29, 2026
Last updated October 14, 2026
Saved source PDFs
Oct 14, 2026Change detected
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Sep 11, 2026Change detected
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 3 months of account opening
- Payout timeline
- 6 to 8 weeks after qualifying spend is completed
How to qualify
- $500 in purchases in first 3 months from account opening
- $500 in purchases within first 3 months from account opening
- Minimum $500 spend in first 3 months
- Spend $500 on purchases within first 3 months from account opening
Common pitfalls
- New cardmembers only
- No previous bonus within the past 24 months
- Not available if you already have this card
- No bonus if current or previous cardholder who received bonus within last 24 months
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $5,000 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include $200 sign-up bonus, $1 referral share for a total displayed potential of $201. 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
When does Chase Freedom Unlimited Bonus expire?
Chase Freedom Unlimited Bonus expires on April 29, 2026.
