Chase Freedom Limitless overview
The no-annual-fee Chase Freedom Limitless® (see charges and costs) is effectively suited to each occasional and frequent vacationers. Whereas many playing cards provide 1% again on purchases exterior of bonus classes, you’ll earn 1.5% again on nonbonus spending with the Freedom Limitless. And in the event you pair this with a card that earns premium Chase Final Rewards factors, you’ll be able to convert your rewards into absolutely transferable factors. Card score*: ⭐⭐⭐⭐
*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
At first look, the Chase Freedom Limitless would possibly appear to be a tame cash-back card. However there’s much more to it than meets the attention.
With no annual charge and a easy incomes construction, it’s a fantastic card for learners, supplied they’ve a credit score rating of not less than 670. It’s additionally a superb card pairing for extra premium choices just like the Chase Sapphire Most popular® Card (see charges and costs) and the Chase Sapphire Reserve® (see charges and costs), making it a helpful addition to many bigger card portfolios.
Let’s study what makes this card so nice, and whether or not it deserves a spot in your pockets.
Chase Freedom Limitless execs and cons
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Chase Freedom Limitless welcome provide
New Chase Freedom Limitless cardholders can earn $300 money again after spending $500 on purchases within the first three months from account opening. This provide ends Jan. 15, 2026, at 9 a.m. EST.
That is the very best provide on the cardboard since March, making now a superb time to use.
And the bonus is much more helpful in the event you even have a card that earns Chase Final Rewards factors, which means you’ll be able to convert your money again to factors and transfer them to one among Chase’s switch companions.
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Since this can be a Chase card, do keep in mind that it’s topic to Chase’s 5/24 rule.
Associated: Chase bank cards: Greatest time to use primarily based on provide historical past
Chase Freedom Limitless advantages
The trade-off for playing cards with out an annual charge is that they have a tendency to return with fewer perks than their extra premium counterparts. Nonetheless, the Freedom Limitless has some good options value highlighting:
- Rental automotive safety: You’ll have rental automotive insurance coverage that covers reimbursement for theft and collision harm secondary to your private insurance coverage within the U.S.
- Journey cancellation and interruption insurance coverage: You’ll be lined for as much as $1,500 per individual and as much as $6,000 per journey for eligible journey bills in your card if extreme climate, sickness or different lined conditions outcome within the cancellation or interruption of your journey plans.
- Prolonged guarantee safety: You may lengthen the size of guarantee protection by one further 12 months on authentic eligible warranties of three years or much less.
- Buy safety: Your purchases are protected towards theft and harm for 120 days after the date of buy, as much as $500 per merchandise.
If you happen to don’t have one other card with extra sturdy journey insurance coverage and procuring protections, this can be a first rate quantity of protection for a card with no annual charge.
Associated: Why the Chase Freedom Limitless needs to be the primary card in each scholar’s pockets
Incomes money again on the Chase Freedom Limitless
With the Freedom Limitless, you’ll usually earn:
- 5% again on journey booked via Chase Journey℠
- 3% again on eating (together with takeout and eligible supply providers)
- 3% again at drugstores
- 1.5% again on all different purchases
Whereas not one of the bonus classes are show-stoppers, it’s uncommon to discover a card with bonus classes and a flat charge greater than 1% for all further purchases. The bonus classes are good, however the skill to earn 50% extra on nonbonus spending makes this card shine.
This is a wonderful selection in the event you’re in search of a card that earns greater than 1% again on nonbonus spending.
Associated: The very best playing cards to pair with the Chase Freedom Limitless
Redeeming money again on the Chase Freedom Limitless
You may redeem the money again earned in your Freedom Limitless as an announcement credit score or for a direct deposit into most U.S. checking and financial savings accounts at a worth of 1 cent per level. It’s also possible to redeem your rewards for reward playing cards or use them to e-book journey via Chase Journey for a similar worth.
And in case you have the fitting card pairing, you’ll be able to flip your rewards into transferable Chase Final Rewards factors and use Chase’s helpful switch companions for much more worth.
Associated: New to journey rewards? Right here’s the right newbie card combo
Transferring money again with the Chase Freedom Limitless
Alone, the Freedom Limitless is a real cash-back card and doesn’t mean you can switch your rewards to journey companions.
Nonetheless, in the event you even have the Chase Sapphire Most popular Card, the Chase Sapphire Reserve or the Ink Enterprise Most popular® Credit score Card, you’ll be able to mix your rewards and unlock Chase’s full record of lodge and airline companions.
The data for the Ink Enterprise Most popular 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.
TPG staffers notably worth the choice to switch Chase Final Rewards factors to World of Hyatt.
A few of us, like TPG senior director of content material Summer time Hull, favor to make use of these rewards to e-book higher-end Hyatts that may in any other case be out of funds. Different staffers favor to stretch our rewards by utilizing them for nice offers on Hyatt’s Class 1 properties.
Along with World of Hyatt, Chase companions with different helpful packages like British Airways Membership, Singapore KrisFlyer and United MileagePlus.
Associated: Chase Final Rewards factors: How you can redeem for max worth
Which playing cards compete with the Chase Freedom Limitless?
Relying on what makes up nearly all of your spending, although, there could also be one other card higher suited in your wants, even when your focus is on incomes cash-back rewards. Just like the Freedom Limitless, these choices additionally earn cash-back rewards and don’t carry an annual charge:
For added choices, try our lists of one of the best cash-back playing cards and one of the best playing cards with out an annual charge.
Associated: Chase Freedom Flex vs. Chase Freedom Limitless comparability: Rotating classes or flat money again?
Is the Chase Freedom Limitless value it?
Because the Freedom Limitless doesn’t carry an annual charge, you’ll be able to really feel nice about incomes rewards with out justifying what you pay to maintain it every year. You may maximize your rewards-earning potential if you have already got a Chase Final Rewards points-earning card. Nonetheless, in the event you’re targeted solely on cash-back rewards, you’ll probably need a card with the next incomes charge.
Associated: How to decide on a cash-back bank card
Backside line
The Chase Freedom Limitless is a good card for on a regular basis nonbonus spending and may present unimaginable worth when paired with a extra premium Chase card. Whether or not you’re a newbie or a professional in search of a complementary card so as to add to your portfolio, the Freedom Limitless is a wonderful selection.
Apply right here: Chase Freedom Limitless
