Earn 3x On All Purchases for a Year

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Using a two-card strategy and a new special offer one of these cards you can earn a minimum of 3 points per dollar – transferable to airlines and hotels – on all of your spend for a year.

Via Reddit Chase is offering triple points for a year on the Chase Freedom Unlimited card albeit no initial bonus. (This is not my link for the card, I do not receive any referral credit, information about it is neither provided nor reviewed by its issuer.)

Freedom Unlimited is a rebate card normally, and 3% is good for that for a year and then it will revert to 1.5%.

The incredible value here is that if you have one of the annual fee Chase Ultimate Rewards cards you can transfer points from Freedom Unlimited over to one of your other cards and then those points become transferable to airlines and hotels.

You absolutely want one Chase card whose points transfer to miles:

  • Ink Business Preferred℠ Credit Card has an 80,000 point signup bonus after $5000 spend within 3 months. It earns 3 points per dollar on travel — that’s airlines, hotels, rental cars, tolls, even Uber — and 3 points per dollar on shipping and advertising on social media and search engines, so great for anyone who advertises on Facebook or Twitter, or who spends money advertising with Google.

  • Chase Sapphire Preferred Card lets you earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. With a $0 annual fee the first year, then $95, I suggest that as the number on card to get started with in miles and points. The card earns two points on travel and dining at restaurants and 1 point per dollar spent on all other purchases worldwide.

Cathay Pacific First Class

Points from these 3 cards transfer to:

  • Airlines: United, British Airways, Singapore Airlines, Air France KLM, Southwest Airlines, Virgin Atlantic, Iberia, Aer Lingus
  • Hotels: Hyatt, IHG, Marriott, Ritz-Carlton

Singapore Airlines Suites

They make the no annual fee Chase cards even more valuable. For a year you can earn 3 airline miles or hotel points per dollar spent as your minimum floor using this strategy.

Of course Freedom Unlimited, Sapphire Preferred and Reserve, and Ink Business Preferred are subject to ‘5/24’ limits — so most people will only be approved provided they haven’t signed up for 5 or more new cards in the past 24 months.

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.


  1. “…for New Chase Freedom Unlimited Applicants”.

    see how easy it is to add that to the title?

  2. Can I do a product change to this card with the 3% first year primo if I never had the freedom unlimited before?

  3. Unfortunately, they aren’t matching the offer even for an account that is still in its first billing period. Not in my case, anyway.

  4. The giant sucking sound you’re about to hear is from fleeing SPG Amex cardholders to Chase FU for everyday spending. Congrats Marriott on ruining everyone’s favorite card.

  5. Confused.
    You say:
    “The incredible value here is that if you have one of the annual fee Chase Ultimate Rewards cards you can transfer points from Freedom Unlimited over to one of your other cards”
    If you’re getting 3% cash back, where are the points coming from that you’re transferring?

  6. I’m surprised it’s not mentioned in the post, but it seems the break-even point for this vs the standard 15,000 point bonus is a first-year spend of $10,000. So, (only) if you spend more than $10,000 in the first year will you come out ahead with this offer (though you will have to wait longer for the points compared to the standard offer)…

  7. @Dave Why do you say you will have to wait longer for the points? It’s 3% for every purchase credited to your account every month, not at the end of your account year.

  8. If I send a friend my referral link to sign up for this card will he get the 3x promotion or the standard 1.5?

  9. @Betty T Chase cash back is actually points you redeem for cash. If you have a Chase Sapphire Reserve card, for instance, you can transfer your Freedom Unlimited points to your CSR account and get 50%more value when redeemed through the Chase portal. That would make the 3% “cash back” points worth 4.5%. If I’m incorrect, someone please correct me.

  10. @Ed C – You wait longer compared to the standard offer because you get the points as you accumulated spend through the year, rather than as a lump sum after spending $500.

  11. @Dave OK, I see what you are saying. But as someone who puts ALL monthly spending other than travel and dining out on the CFU (which is then transferred to my CSR account), that amounts to less than two months. Unfortunately. So getting double the points over a year’s time would really add up.

  12. Just got our Ink Business Preferred℠ Credit Card with its 80,000 point signup after $5k spend in the first 3 months — but the clock begins ticking from the date on which you applied for the card, rather than the date on which you activated the card. For us, it was a 3 week difference — and we’ll spend the money easily, but I thought readers should know (unless you’ve already mentioned it and I missed it.)

  13. @Judy Robin Orbitz Did it take that long to get the card after approval or were there extenuating circumstances? Just curious because I got my CSR in 2 days via FedEx after applying /approval and my CFU came in 4 days through regular mail.

  14. It took over two weeks for my card to arrive, and then a couple days before I activated it.

  15. @Judy Robinovitz
    Bonus periods start from account opening, which is the day your account is actually approved – were you approved on the same day you applied?

  16. Why is the break even point $10k in spend and not $5k? 5k in spend=15,000UR’s (original bonus). 10k is spend would be 30k URs. What am I missing lol

  17. @Mike L The old promotion was $150 cash back (which is 15,000 points) for $500 in spend, not $5,000. At 1.5 points per dollar spent, you have to spend $10,000 to get 15,000 points. The new promotion does not have a lump sum bonus. Just 3X points for every dollar spent.

  18. @Mike L But after rereading the @Dave’s comment, I’m not sure who is correct. I’ve seen the $10,000 amount used on other blog posts, though.

  19. Spend $10K on either version within the first year and you get 30K points…
    Option A (1.5x): 15,000 from spending + 15,000 signup bonus
    Option B (3x): 30,000 from spending

  20. @Stuart Just used my referral link fir my husband. Chase says he gets 3%, & they are not PCing any cards approved before yesterday to the 3%.

  21. @pam I contacted chase via twitter and they told me the referral link would not result in the 3% but the standard 1.5x and 15k points 🙁

  22. As a newbie still learning the Chase UR side, was looking for help on my understanding of unlocking a Freedom (CF or CFU) card.

    If I add an authorized user (family member) on one of my UR cards (CSR or IBP) and then they acquire their own CFU; are they able to transfer the points to my UR or do they need their own unlocking UR and we transfer (pool) afterwards? I do understand it works to unlock my CFU but was not clear in this scenario whether it even works or not?


  23. does anyone have an active link to this offer, or is it over?

    when i use the links, it takes me to the $150 sign up bonus, and 1.5%?

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