Chase’s new Chase Freedom Unlimited® offer is compelling, but it’s limited to those willing to pop into a branch: Apply for it in person at your local branch to reap different rewards than users who applied for the card online.

For some, it’s a great opportunity, but others might be better off applying online. Also, the Chase Freedom Unlimited® has some features that make it even more rewarding for holders of a Chase Sapphire Preferred® Card or a Chase Sapphire Reserve® who want to redeem their rewards for travel.

We answer frequently asked questions about the deal to help you decide whether this card is for you.

What’s the difference between the in-branch offer and the online offer?

The rewards.

The online offer is as follows: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. While the in-branch offer has no sign-up bonus, it pays 3% cash back on all qualifying purchases up to $20,000 a year and 1.5% cash back thereafter.

How do I know which is better for me?

Estimate your spending. If you expect to spend more than $10,000 on the card every year, the in-branch offer will earn you greater rewards. But if you’ll spend less than $10,000, stick with the online offer.

>>Learn more: Is the Chase Freedom Unlimited Card’s In-Branch Offer Worth Your Time?

How can Chase Freedom Unlimited® deliver extra value for Chase Sapphire cardholders?

There’s a hidden perk that applies only to cardholders who want to redeem their rewards for travel: The cash back you get on a Chase Freedom Unlimited® is awarded in the form of Chase Ultimate Rewards® points, which users then redeem for cash at a rate of 1 cent per point. But anyone with a Chase Sapphire Preferred® Card or a Chase Sapphire Reserve® can transfer the points to their Sapphire card account to enjoy those cards’ travel redemption boost.

Chase Ultimate Rewards® points redeemed from a Chase Sapphire Preferred® Card account are worth 25% more when redeemed for travel through the Chase Ultimate Rewards® portal. Chase Sapphire Reserve® cardholders get an even bigger boost: 50% more when redeemed for travel through Chase. So a Chase Freedom Unlimited® cardholder who applies in person can earn 3% back on every dollar spent on the card (up to $20,000) then transfer the points to a Chase Sapphire account, boosting their value when redeeming them for travel.

>>Learn more: Chase Freedom Unlimited® review: Flat-rate cash back with a twist

Does the Chase Freedom Unlimited® have an annual fee?

No.

What kind of credit score do I need to qualify?

It’s a good bet that if your score is 690 or better, you’ll be approved.

Is this a good card to take on trips abroad?

No. The Chase Freedom Unlimited® carries a foreign transaction fee of 3%. That means every purchase you make with it in a foreign country automatically costs more than if you had used one of the many no-foreign-transaction-fee cards on the market.

Do my points expire?

Not as long as you keep the account open and in good standing.

How do I find my nearest Chase location?

Use the bank’s branch locator.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2019, including those best for:

Planning a trip? Check out these articles for more inspiration and advice:
Chase Ultimate Rewards: How to earn and use them
NerdWallet’s top travel credit cards
Chase Freedom Unlimited offers a year of 3% cash back at branches

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