Chase Bank has introduced a limited-time, enhanced offer for its popular Chase Freedom Unlimited® credit card, allowing new cardholders to earn a $300 cash-back bonus after meeting certain spending requirements.
This offer presents an opportunity for those seeking to maximize rewards from everyday purchases. With the enhanced cash-back bonus of 30,000 Ultimate Rewards® points, which can be redeemed for cash or other rewards, the Chase Freedom Unlimited® card continues to attract attention as a highly versatile and valuable financial tool.
Chase Confirms $300 Cash-Back Offer
| Key Fact | Detail/Statistic |
|---|---|
| Bonus Amount | $300 in cash-back (30,000 Ultimate Rewards® points) |
| Spending Requirement | $500 in purchases within the first 3 months |
| Eligibility | New cardholders only; no recent bonuses for 24 months |
| Offer Period | Available from Dec. 11, 2025 to Jan. 15, 2026 |
| Bonus Redemption | Cash back or travel rewards (via Chase Travel) |
What the $300 Cash-Back Offer Entails
Chase’s Freedom Unlimited® card has long been a popular option for those seeking a straightforward rewards program. With this offer, new cardholders can earn a $300 cash-back bonus in the form of 30,000 points if they spend $500 or more within the first three months of opening the card.
These points can be redeemed for cash back, travel, gift cards, and other rewards via the Chase Ultimate Rewards® portal.The $500 spending threshold is relatively low compared to other cards that may require higher amounts, making this an accessible option for many consumers.
This limited-time offer is designed to encourage users to try out the benefits of the Freedom Unlimited card and take advantage of the cash-back program.
How the Points Work
- 30,000 Ultimate Rewards® points are equal to $300 in cash back, which is a significant bonus considering the low spending threshold.
- Alternatively, cardholders can transfer the points for travel rewards. Chase offers a variety of travel partners, allowing customers to use points for flight bookings, hotel stays, car rentals, and other travel-related expenses.
- Points can also be redeemed for gift cards from a wide selection of retailers, or they can be applied toward a statement credit to offset previous charges.
Steps to Earn the Bonus on $300 Cash-Back Offer
To earn the $300 cash-back bonus, follow these steps:
- Apply for the Chase Freedom Unlimited® card: This offer is available to new cardholders only. If you have received a bonus on this card within the past 24 months, you are ineligible for this promotion.
- Spend at least $500 on qualifying purchases within the first 3 months of opening your account. This includes most everyday purchases like groceries, dining, and gas, though certain transactions (such as balance transfers or cash advances) do not count toward the minimum.
- Receive the 30,000 points after meeting the spending requirement. Chase typically posts the bonus points within a few weeks of meeting the spend criteria.
What Makes the Chase Freedom Unlimited® Card Stand Out
While many credit cards offer sign-up bonuses, the Chase Freedom Unlimited® card stands out for several reasons:
1. Low Annual Fee
One of the main advantages of the Chase Freedom Unlimited® card is that it comes with no annual fee. This means that cardholders can enjoy all the benefits of the card — including earning rewards on everyday purchases — without having to worry about the costs associated with an annual fee.
2. Flexible Rewards Program
Unlike other cards with restrictive reward categories, the Chase Freedom Unlimited® card offers a flexible and straightforward rewards program:
- 1.5% cash back on all purchases.
- 3% cash back on dining, including takeout and delivery.
- 3% cash back at drugstores.
- 5% cash back on travel booked through Chase Travel℠.
This simplicity, combined with the cash-back potential in various categories, makes it ideal for those who want an uncomplicated rewards structure.
3. Ultimate Rewards® Flexibility
The points earned with the Chase Freedom Unlimited® card are part of the Ultimate Rewards® program, which offers a higher degree of flexibility compared to many other credit card reward programs. Cardholders can pool points earned from other Chase cards, which can increase their redemption power.
For example, points can be transferred to other premium cards such as the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®, which could provide a 1.25x or 1.5x redemption value for travel bookings through the Chase Ultimate Rewards® portal.
4. No Foreign Transaction Fees
For those who travel internationally, the Chase Freedom Unlimited® card offers another key perk: no foreign transaction fees. This is a significant advantage over many other cards, which may charge up to 3% for purchases made abroad. This feature makes the card an attractive option for frequent travelers who want to maximize their rewards while avoiding unnecessary costs.
Is This $300 Cash-Back Offer Right for You?
The $300 bonus is a strong incentive for new cardholders, particularly those who are just starting to explore cash-back credit cards. The relatively low spending requirement of $500 over the first three months makes this offer accessible for many consumers, and the bonus itself is substantial when compared to other cash-back credit card offers.
However, as with any financial decision, it is essential to consider your own spending habits. If you tend to make purchases that align with the bonus categories (e.g., dining, travel, or drugstore purchases), the Chase Freedom Unlimited® card could be an excellent fit for you.
For those who prefer earning travel rewards or higher-value redemptions, the Ultimate Rewards® program provides an added layer of flexibility and value.
How Does This Compare to Other Cash-Back Cards?
While the Chase Freedom Unlimited® card offers an impressive bonus and versatile rewards, it is important to compare it with other credit cards on the market:
- Citi® Double Cash Card offers 2% cash back on all purchases — 1% when you buy, and 1% when you pay. Although this is a simpler cash-back option, it lacks a sign-up bonus.
- The Discover it® Cash Back card offers rotating 5% cash-back categories, but it requires activation and can be less predictable than the flat-rate rewards of the Chase Freedom Unlimited®.
Other alternatives, such as the American Express Blue Cash Preferred® card, also offer competitive cash-back rates in specific categories, including 6% on U.S. supermarkets (up to $6,000 per year).
However, it comes with a $95 annual fee, which could make the Chase Freedom Unlimited® card a better choice for those looking to avoid fees. Overall, the Chase Freedom Unlimited® card’s $300 bonus and straightforward cash-back categories make it one of the best all-around options for new cardholders.
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The Chase Freedom Unlimited® card’s $300 cash-back offer is an enticing promotion for new customers looking to maximize their spending. With a low spending requirement and a straightforward rewards program, this offer is appealing to those who want flexibility in how they redeem their points and earn cash back.
By understanding how the offer works and evaluating your own spending habits, you can determine whether this card is the right choice for your financial goals.
For those who qualify, this card offers an easy entry into the world of rewards credit cards without the hassle of complicated categories or high fees. Whether you are looking for cash back, travel rewards, or simple point accumulation, the Chase Freedom Unlimited® card provides an attractive way to earn on everyday purchases.
