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I’m a Chase Freedom Unlimited® cardmember, and have used it for a long time so that I’d never earn less than 1.5 points per dollar on any of my spend. It’s where I’ve put “unbonused spend,” purchases that I’m not earning double, triple, or quadruple points with another credit card.
That’s because this no annual fee card lets you transfer points to a premium Chase Ultimate Rewards card, and from there to airline miles or hotel points.
Chase though has gone and improved the card.
- Initial bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year.
- Earning: 5% on travel purchased through Chase and 3% on dining at restaurants and drugstores, plus 1.5% cash back on all other purchases.
That makes this my go-to for drugstores now, as well as for my unbonused spend. It pairs well with perhaps the best deal of the year, an 80,000 point initial offer (after $4000 spend within 3 months) for the Chase Sapphire Preferred® Card. (It also pairs well with Chase Sapphire Reserve®.)
While these points do not transfer directly to airline or hotel programs, you can combine them into a Sapphire Preferred or Sapphire Reserve account, and from there to participating airline or hotel loyalty programs. I love earning a minimum of 1.5 points that I’m able to move to United, Singapore, or Hyatt that way.