It is no secret that moving into the world of bank card factors and miles could be intimidating. Intricate rewards buildings, hefty annual charges and unattainable sign-up bonuses are exhausting sufficient for the professionals to know. However for a newbie like myself, it may possibly really feel inconceivable.
That mentioned, when it got here time to enroll in my first bank card, one stood out among the many relaxation, assuaging each reservation I beforehand held about bank cards.
Listed below are 5 explanation why I really like the Chase Freedom Limitless as a bank card newbie.
With many bank cards utilizing rotating bonus classes and sophisticated tier buildings, I fearful about selecting a card I may totally maximize. I’ve loads on my thoughts, and maintaining monitor of which spending class switched this month is solely not on my to-do checklist.
Fortunately, the Chase Freedom Limitless eliminates the guesswork with its simple but profitable rewards construction:
- 5% again on journey booked by the Chase Final Rewards journey portal
- 3% again on eating (together with takeout and eligible supply companies)
- 3% again at drugstores
- 1.5% again on all different purchases
For me, the three% again on eating has been the MVP when it comes to my spending. I am all the time on the go, assembly up with buddies, so consuming out has turn out to be an everyday a part of my way of life. I can confidently benefit from my restaurant excursions with the Chase Freedom Limitless.
The 1.5% again on all different purchases also needs to not be understated. Even the factors and miles specialists get enthusiastic about it. Most playing cards available in the market solely supply 1% outdoors of bonus classes, placing the Chase Freedom Limitless a step above. I can earn not less than 1.5% again on each buy, each day, with none limitations. Now, that is undoubtedly one thing to put in writing dwelling about.
Associated: The entire information to Chase Final Rewards
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Trouble-free sign-up bonus
One other characteristic that attracted me to the Chase Freedom Limitless as a bank card newbie was its distinctive sign-up bonus. With this card, I robotically earned a further 1.5% on all purchases as much as $20,000 spent in my first yr.
The Chase Freedom Limitless’s welcome supply stands out as a result of most different playing cards observe a construction much like the American Categorical® Gold Card: Earn 60,000 Membership Rewards factors after spending $4,000 on eligible purchases inside the first six months of account opening.
Realizing my typical spending habits, I would not be capable to meet such a considerable spending requirement, and maintaining monitor of it inside the timeframe felt like an pointless chore. With the Chase Freedom Limitless, I effortlessly earned welcome bonus rewards with none second ideas.
Associated: The perfect time to use for these in style Chase bank cards primarily based on supply historical past
No annual payment
Now, factors and miles specialists typically discuss how the advantages of their playing cards, similar to lounge entry, resort assertion credit and airline companion passes, make up for the annual payment. They usually’re proper — if you happen to’re a frequent traveler.
As a newbie, although, I am not jetting throughout the globe incessantly to benefit from these perks. So, signing up for a type of elite playing cards would really price me cash. I merely wish to earn rewards on my journeys to McDonald’s and perhaps a flight to Florida subsequent yr.
That is why the truth that the Chase Freedom Limitless has no annual payment is a recreation changer for me. I haven’t got to fret about any additional prices yr after yr.
Associated: The entire information to bank card annual charges
Customized Chase Provides
One typically ignored characteristic that I completely love is the Chase Provides program. As a cardholder, I can merely add gives — like 5% again or $20 off — to my account and save much more. It is a no-brainer, proper?
Even higher, these gives are personalised for me primarily based on my spending habits.
Simply final month, I earned 5% again on my gasoline buy at Kroger, my go-to gasoline station. I’ve additionally saved on purchases at Little Caesars, OfficeMax and Arby’s. These tailor-made gives make me really feel like I am getting unique offers that match my way of life completely.
Associated: Tips on how to e-book journey (and save factors) with the Chase Final Rewards portal
Future pairing energy
Whereas I could also be a newbie now, that does not imply I am not aiming to turn out to be a professional within the bank card recreation. Subsequently, it was essential for me to decide on a card that might have long-term worth in my pockets. Thankfully, the Chase Freedom Limitless is the right match, because it pairs seamlessly with a number of different playing cards within the Chase lineup.
One wonderful candidate for pairing is the Chase Sapphire Most popular Card, which occurs to be the cardboard I plan so as to add to my pockets subsequent. By itself, the Freedom Limitless is nice at maximizing earnings with its 1.5% again on all non-bonus purchases. Nevertheless, if you pair it with the Sapphire Most popular, you may switch these factors to any of Chase’s 14 journey companions for optimum worth.
For my part, the Freedom Limitless helps you accumulate factors, whereas the Sapphire Most popular lets you redeem these factors extra advantageously. It is a profitable mixture that can set me up for fulfillment in the long term.
Associated: Higher collectively: The final word information to the very best bank card pairings
The Chase Freedom Limitless gives surprisingly nice incomes charges with no annual payment, making it the right starter bank card for a newbie like me. As I look towards the way forward for my factors and miles recreation, I am desirous to pair the Freedom Limitless with a higher-tier Chase card to maximise my factors much more. The Chase Freedom Limitless can actually be your catalyst to turning into a factors and miles professional, similar to it has for me.
To study extra, learn our full overview of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless