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 supply 1% again on purchases exterior of bonus classes, you’ll earn 1.5% again on nonbonus spending with the Freedom Limitless. And if you happen to pair this with a card that earns premium Chase Final Rewards factors, you possibly can convert your rewards into totally transferable factors. Card score*: ⭐⭐⭐⭐
*Card score relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
At first look, the Chase Freedom Limitless may look like a tame cash-back card. However there’s much more to it than meets the attention.
With no annual price and a easy incomes construction, it’s an incredible card for freshmen, supplied they’ve a credit score rating of no 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 priceless addition to many bigger card portfolios.
Let’s look at 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 supply
New Chase Freedom Limitless cardholders can earn $300 money again after spending $500 on purchases within the first three months from account opening. This supply ends Jan. 15, 2026, at 9 a.m. EST.
That is the best supply on the cardboard since March, making now a superb time to use.
And the bonus is much more priceless if you happen to even have a card that earns Chase Final Rewards factors, which means you possibly can convert your money again to factors and transfer them to one in all Chase’s switch companions.
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Since it is a Chase card, do keep in mind that it’s topic to Chase’s 5/24 rule.
Associated: Chase bank cards: Finest time to use primarily based on supply historical past
Chase Freedom Limitless advantages
The trade-off for playing cards with out an annual price is that they have an inclination to return with fewer perks than their extra premium counterparts. Nonetheless, the Freedom Limitless has some good options value highlighting:
- Rental automobile safety: You’ll have rental automobile insurance coverage that covers reimbursement for theft and collision injury 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 particular person and as much as $6,000 per journey for eligible journey bills in your card if extreme climate, sickness or different lined conditions consequence within the cancellation or interruption of your journey plans.
- Prolonged guarantee safety: You possibly can prolong the size of guarantee protection by one further yr on authentic eligible warranties of three years or much less.
- Buy safety: Your purchases are protected towards theft and injury for 120 days after the date of buy, as much as $500 per merchandise.
Should you don’t have one other card with extra strong journey insurance coverage and purchasing protections, it is a respectable quantity of protection for a card with no annual price.
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 by means of Chase Journey℠
- 3% again on eating (together with takeout and eligible supply companies)
- 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 increased than 1% for all further purchases. The bonus classes are good, however the capacity to earn 50% extra on nonbonus spending makes this card shine.
This is a superb selection if you happen to’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 possibly can redeem the money again earned in your Freedom Limitless as a press release credit score or for a direct deposit into most U.S. checking and financial savings accounts at a worth of 1 cent per level. You may also redeem your rewards for reward playing cards or use them to ebook journey by means of Chase Journey for a similar worth.
And in case you have the suitable card pairing, you possibly can flip your rewards into transferable Chase Final Rewards factors and use Chase’s priceless 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 permit you to switch your rewards to journey companions.
Nonetheless, if you happen to even have the Chase Sapphire Most popular Card, the Chase Sapphire Reserve or the Ink Enterprise Most popular® Credit score Card, you possibly can mix your rewards and unlock Chase’s full listing of resort and airline companions.
The knowledge 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 ebook higher-end Hyatts which may in any other case be out of finances. Different staffers favor to stretch our rewards through the use of them for nice offers on Hyatt’s Class 1 properties.
Along with World of Hyatt, Chase companions with different priceless packages like British Airways Membership, Singapore KrisFlyer and United MileagePlus.
Associated: Chase Final Rewards factors: Learn how to redeem for max worth
Which playing cards compete with the Chase Freedom Limitless?
Relying on what makes up the vast majority of your spending, although, there could also be one other card higher suited to 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 price:
For extra choices, try our lists of the very best cash-back playing cards and the very best playing cards with out an annual price.
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 price, you possibly can really feel nice about incomes rewards with out justifying what you pay to maintain it every year. You possibly can maximize your rewards-earning potential if you have already got a Chase Final Rewards points-earning card. Nonetheless, if you happen to’re targeted solely on cash-back rewards, you’ll doubtless 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 superb card for on a regular basis nonbonus spending and may present unbelievable 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 superb selection.
Apply right here: Chase Freedom Limitless
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