In terms of no-annual-fee bank cards, it doesn’t get a lot better than Chase’s duo of the Chase Freedom Limitless® (see charges and costs) and the Chase Freedom Flex® (see charges and costs). They each include precious welcome affords, too, with the potential to take house tons of money again.
And proper now, the Chase Freedom Limitless is providing its highest bonus since March. (The Freedom Flex is providing its normal bonus.)
Each the Freedom Flex and the Freedom Limitless are wonderful rewards bank cards with no annual charge. Even higher, they provide the flexibleness to earn both money again or absolutely transferable Chase Final Rewards factors when mixed with choose Chase playing cards, such because the Chase Sapphire Most well-liked® Card (see charges and costs).
Let’s dive deeper into these affords and see how they stack up.
Chase Freedom Limitless welcome provide
Proper now, new Chase Freedom Limitless cardholders can earn $300 money again after spending $500 on purchases within the first three months. This provide ends Jan. 15, 2026, at 9 a.m. EST.
Incomes charges
- 5% money again on journey booked by means of Chase Journey℠
- 3% money again on eating
- 3% money again at drugstores
- 1.5% money again on all the things else
These are precious incomes charges, however it is best to crunch the numbers to see if one other card (just like the Freedom Flex) makes extra sense.
Apply: Chase Freedom Limitless
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Chase Freedom Flex welcome provide
New Chase Freedom Flex cardholders can earn $200 money again after spending $500 on purchases within the first three months.
That is the common welcome provide the cardboard gives. Whereas it affords strong worth, you might need to maintain off till it affords this amount of money again plus an extra 5% class, which we’ve seen up to now for grocery purchases and gasoline station purchases.
Incomes charges
- 5% money again on the primary $1,500 spent on rotating classes every quarter (activation required)
- 5% money again on journey booked by means of Chase Journey
- 3% money again on eating
- 3% money again at drugstores
- 1% money again on all different purchases
That’s a powerful lineup of incomes classes for any card, not to mention a no-annual-fee bank card.
Apply: Chase Freedom Flex
How you can flip your money again into Chase factors
What actually makes these two playing cards highly effective is how effectively they play with others.
If in case you have one other Chase card that earns transferable Final Rewards factors, such because the Chase Sapphire Most well-liked, the Chase Sapphire Reserve® (see charges and costs) or the Ink Enterprise Most well-liked® Credit score Card, you possibly can mix the factors out of your Freedom Limitless or Freedom Flex.
I’ve each the Freedom Limitless and the Freedom Flex and pair them with my Sapphire Reserve to transform the money again into Final Rewards factors.
The data for the Ink Enterprise Most well-liked has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
This unlocks the power to switch your factors at a 1:1 ratio to the Final Rewards program’s airline and resort companions, together with precious packages like Air France-KLM Flying Blue, British Airways Membership and World of Hyatt.
On this state of affairs, TPG’s December 2025 valuations deem Chase factors as value 2.05 cents apiece, so your rewards have considerably extra flexibility when used on this approach.
Associated: The facility of the Chase Trifecta: Maximize your earnings with 3 playing cards
Key concerns
It’s value declaring that each the Freedom Limitless and the Freedom Flex impose overseas transaction charges, in order that they’re not ideally suited to make use of exterior the U.S. Slightly, it is best to use a card with no overseas transaction charges.
Moreover, you’ll need to be sure you adjust to Chase’s 5/24 rule and the issuer’s different utility restrictions earlier than making use of. You’d hate to waste a tough inquiry in your credit score report solely to not get permitted.
Backside line
In case you’re a present holder of the Sapphire Most well-liked or the Sapphire Reserve and don’t have a Chase Freedom card, now might be a great time to use for one among them. Each the Freedom Limitless and the Freedom Flex are value a glance to spice up your on a regular basis spending.
To be taught extra, learn our critiques of the Freedom Limitless and the Freedom Flex.
Apply right here: Chase Freedom Limitless
Apply right here: Chase Freedom Flex
