Chase Freedom Unlimited® Rewards Calculator
On a typical $2,400/month spending mix, the Chase Freedom Unlimited® earns about $484 a year — an effective 1.68% back.
Rate caveats: 5% back via Chase Travel and 3% at drugstores; the elevated 6.5%/4.5% rates apply in the first year only, so ongoing earnings are modelled here.
Light spender — $1,200/month
| Category | Monthly spend | Rate | Per year |
|---|---|---|---|
| Groceries | $220 | 1.5x | $40 |
| Dining | $140 | 3x | $50 |
| Travel | $70 | 1.5x | $13 |
| Gas & transit | $100 | 1.5x | $18 |
| Online shopping | $120 | 1.5x | $22 |
| Streaming | $20 | 1.5x | $4 |
| Everything else | $530 | 1.5x | $95 |
| Total | $1,200 | 1.67% | $241 |
Typical spender — $2,400/month
| Category | Monthly spend | Rate | Per year |
|---|---|---|---|
| Groceries | $430 | 1.5x | $77 |
| Dining | $290 | 3x | $104 |
| Travel | $140 | 1.5x | $25 |
| Gas & transit | $190 | 1.5x | $34 |
| Online shopping | $240 | 1.5x | $43 |
| Streaming | $50 | 1.5x | $9 |
| Everything else | $1,060 | 1.5x | $191 |
| Total | $2,400 | 1.68% | $484 |
Heavy spender — $4,500/month
| Category | Monthly spend | Rate | Per year |
|---|---|---|---|
| Groceries | $810 | 1.5x | $146 |
| Dining | $540 | 3x | $194 |
| Travel | $270 | 1.5x | $49 |
| Gas & transit | $360 | 1.5x | $65 |
| Online shopping | $450 | 1.5x | $81 |
| Streaming | $90 | 1.5x | $16 |
| Everything else | $1,980 | 1.5x | $356 |
| Total | $4,500 | 1.68% | $907 |
Try your own numbers
$430
$290
$140
$190
$240
$50
$1060
$2,400/mo → $484/yr with the Chase Freedom Unlimited® (1.68% back)
How it stacks up in cash back
- Chase Freedom Unlimited®: $484/yr
- Robinhood Gold Card : $864/yr on the same spending
- Alliant Cashback Visa® Signature Card : $720/yr on the same spending
- Blue Cash Preferred® Card from American Express : $622/yr on the same spending
Source: 67.credit, “Chase Freedom Unlimited® Rewards Calculator”, rates verified 2026-05-12 — 67.credit/card/chase-freedom-unlimited/calculator