This Chase Card Is Great for Groceries and Cash Back on Everything

Woman shopping for produce wants to save with grocery cash back rewards
Photo by Extarz / Shutterstock.com

Money Talks News has partnered with CardRatings for our coverage of credit card products. Money Talks News and CardRatings may receive a commission from card issuers.

If you’re looking to make more of your good credit score, consider the Chase Freedom Unlimited card.

We already consider it one of the top cash-back credit cards available right now thanks to its offer of a flat 1.5% cash back on every purchase. There are no games with certain categories sometimes being worth more, or any questions about what qualifies. You always know what to expect back, regardless of what you buy or where you shop.

But there are sign-up bonuses available now that make this card instantly worth up to $800 in your first year, before you even look at that generous 1.5% cash back.

Get a big new bonus offer on groceries and more

Chase recently launched a new introductory offer for the Chase Freedom Unlimited card. For the first year, you get 5% cash back on up to $12,000 in grocery store purchases.

Chase Freedom Unlimited credit card
Chase / Money Talks News

There are a couple exclusions: Target and Walmart purchases are not eligible for the higher rate. But buying groceries anywhere else means you can net up to $600 cash back on groceries in the first year. And after that, you’ll still get the unlimited, normal 1.5% cash-back rate.

On top of that, there’s a $200 cash-back bonus after you spend $500 on purchases in the first three months.

That’s $800 you can rack up in your first year — assuming you spend $1,000 per month on groceries — plus 1.5% cash back on all your other purchases.

Since there’s no annual fee on the Chase Freedom Unlimited, and no cap or expiration date on the rewards you can earn, there’s no downside for responsible borrowers.

The card also has a 0% introductory APR, good for 15 months. Other card benefits include 5% cash back on Lyft rides through March 2022, and a free three months of DoorDash’s delivery subscription service DashPass, which eliminates delivery fees on eligible orders.

What about the drawbacks?

This isn’t one of those “too good to be true” offers.

While you may be able to find a credit card willing to give you a slightly higher cash-back rate on groceries, you’re likely to pay for it somehow: Either with an annual fee, or in terms of the time spent keeping track of shifting reward categories and exclusions.

If there’s one drawback worth mentioning, it’s probably the 3% foreign transaction fee. If you don’t make many online purchases using foreign currencies and aren’t traveling abroad, you probably won’t run into it. But if you do, consider using another card for those cases.

Overall, it’s hard to beat the simplicity offered by the Chase Freedom Unlimited.

Money Talks News has partnered with CardRatings for our coverage of credit card products. Money Talks News and CardRatings may receive a commission from card issuers.

Looking for something else in a credit card? Use our credit card search tool to find the best card for you, no matter what you need or where you’re at.

How to find cheaper car insurance in minutes

Getting a better deal on car insurance doesn't have to be hard. You can have The Zebra, an insurance comparison site compare quotes in just a few minutes and find you the best rates. Consumers save an average of $368 per year, according to the site, so if you're ready to secure your new rate, get started now.

Read Next
7 Things That Prove Cheaper Isn’t Always Better
7 Things That Prove Cheaper Isn’t Always Better

These items can end up costing you more if you try to go the cheap route.

7 Deadly Health Mistakes People Make After Age 50
7 Deadly Health Mistakes People Make After Age 50

Simply avoiding these actions, or lack thereof, can improve the odds of a longer, more healthful life.

9 Ways to Get Cheap or Free Veterinary Care
9 Ways to Get Cheap or Free Veterinary Care

Medical care for your furry friends can be expensive. Here are some tips to take a bite out of vet bills.

7 Secret Departments of Amazon You Should Know About
7 Secret Departments of Amazon You Should Know About

These little-known sections of Amazon are hidden gems for deal-seekers and impulse shoppers alike.

17 Home Maintenance Tasks That Save You Money
17 Home Maintenance Tasks That Save You Money

Here’s how to cut household costs and maintain your property’s value.

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Most Popular
Social Security Checks Likely to Grow This Much in 2021
Social Security Checks Likely to Grow This Much in 2021

The federal government recently released a key statistic that gives clear insight into what next year’s COLA will be.

This Gas Station Scam Is Victimizing More Drivers
This Gas Station Scam Is Victimizing More Drivers

For the second straight year, a growing number of Americans believe they’ve fallen prey to this scam.

21 Things You Should Always Buy at a Dollar Store
21 Things You Should Always Buy at a Dollar Store

Dollar stores have great bargains on both everyday and occasional purchases.

7 Ways to Boost Your Credit Score Fast
7 Ways to Boost Your Credit Score Fast

Your financial security might soon depend upon the strength of your credit score.

7 Unusual Ways to Declutter Your Home
7 Unusual Ways to Declutter Your Home

Tired of possessions weighing you down? Here are seven ways to declutter painlessly and effectively.

This Is the Most Popular Age for Claiming Social Security
This Is the Most Popular Age for Claiming Social Security

Both men and women are most likely to start receiving Social Security benefits at this age.

6 Things You Should Never Buy at Trader Joe’s
6 Things You Should Never Buy at Trader Joe’s

We love Trader Joe’s for plenty of reasons. But think twice about this handful of products.

Don’t Toss These 7 Household Items — Sell Them
Don’t Toss These 7 Household Items — Sell Them

Here’s how to earn cash as you give new life to these unwanted items.

6 Legal Documents Retirees Need — but Don’t Have
6 Legal Documents Retirees Need — but Don’t Have

Few retirees have these documents that are crucial to their golden years — especially during a pandemic.

19 High-Paying Jobs You Can Get With a 2-Year Degree
19 High-Paying Jobs You Can Get With a 2-Year Degree

These jobs pay more than the typical job in the U.S. — and no bachelor’s degree is required.

5 Awesome Places You Can Retire Overseas on $2,000 a Month or Less
5 Awesome Places You Can Retire Overseas on $2,000 a Month or Less

In this week’s podcast: tips on retiring overseas — from someone who’s been helping American expats for decades.

Eat This Food If You Want to Avoid Alzheimer’s Disease
Eat This Food If You Want to Avoid Alzheimer’s Disease

One type of food associated with the Mediterranean diet offers especially large benefits.

11 Expenses That Quietly Drain Your Wallet
11 Expenses That Quietly Drain Your Wallet

It’s scandalously easy to overspend in these areas of your life.

Could You Give Up These 7 Expenses to Save Thousands of Dollars a Year?
Could You Give Up These 7 Expenses to Save Thousands of Dollars a Year?

You could save more than $30,000 by setting aside these costly expenses for just one year.

10 Deep Discounts Available on Amazon This Friday
10 Deep Discounts Available on Amazon This Friday

These items are all steeply discounted — but the deals won’t last long.

9 Dumb Ways You Are Ruining Your Home Value
9 Dumb Ways You Are Ruining Your Home Value

Homeowners, beware these mistakes that can drive away potential buyers.

18 Amazon Purchases That We Are Loving Right Now
18 Amazon Purchases That We Are Loving Right Now

These practical products make everyday life a little easier.

7 Tips for Building an Emergency Stockpile
7 Tips for Building an Emergency Stockpile

A pandemic or natural disaster could leave you reliant on your existing food supply. Is your pantry prepared?

3 Ways to Get Microsoft Office for Free
3 Ways to Get Microsoft Office for Free

With a little ingenuity, you can cut Office costs to zero.

View More Articles

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Add a Comment

Our Policy: We welcome relevant and respectful comments in order to foster healthy and informative discussions. All other comments may be removed. Comments with links are automatically held for moderation.