Chase Freedom Unlimited / Freedom Flex $200 cashback + 5% grocery bonus for year one credit card sign-up bonus: the real math
Chase Freedom Unlimited / Freedom Flex pays $200 cashback + 5% grocery bonus for year one on the Credit Card. Here is the requirement, the hold time, the effective return and what it works out to per hour ($522/hr).
The offer: Chase Freedom Unlimited / Freedom Flex is paying $200 cashback + 5% grocery bonus for year one on the Credit Card.
What you have to do: Spend $500 on purchases within the first 3 months. Chase 5/24 rule applies.
The numbers, before you spend an hour on it
| Measure | This offer | | --- | --- | | Payout | $200 cashback + 5% grocery bonus for year one | | Money you have to park | None | | How long it sits still | No hold | | Effective annual return on that money | No capital tied up | | Your own time, roughly | 23 minutes | | What that works out to per hour | $522/hr | | Minimum to open | $0 annual fee | | Direct deposit needed | No | | When it pays | Bonus posts 1 to 2 statements after you hit the spend requirement |
Is it worth it
Yes, comfortably. Very few side hustles in America pay this well for an evening of paperwork.
Step by step
- Open Chase Freedom Unlimited / Freedom Flex through the link below and finish the application in one sitting.
- Fund the account with the minimum shown above.
- Leave it alone for the qualifying period so nothing claws the bonus back.
- Expect the payout: Bonus posts 1 to 2 statements after you hit the spend requirement. Put a reminder on your calendar.
Worth knowing: Freedom Unlimited: 1.5% flat everywhere, 3% dining and drugstores, 5% travel through Chase. Freedom Flex adds 5% on rotating quarterly categories (up to $1,500 spend). Both are Chase 5/24-gated.
The honest part
The button below is my personal referral link, so I may get a bonus too when you sign up. It costs you nothing, and when the public offer pays more I say so instead. Link status at last check: live.
Full payout math, charts and state availability live on the Chase Freedom Unlimited / Freedom Flex bonus page.
This is not financial advice. Bonus terms change; read the bank's page before you apply.
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