On the subject of no-annual-fee bank cards, it doesn’t get significantly better than Chase’s duo of the Chase Freedom Limitless® (see charges and charges) and the Chase Freedom Flex® (see charges and charges). They each include priceless welcome presents, too, with the potential to take dwelling tons of money again.
And proper now, the Chase Freedom Limitless is providing its highest bonus since March. (The Freedom Flex is providing its customary bonus.)
Each the Freedom Flex and the Freedom Limitless are glorious rewards bank cards with no annual price. Even higher, they provide the pliability 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 popular® Card (see charges and charges).
Let’s dive deeper into these presents 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 via Chase Journey℠
- 3% money again on eating
- 3% money again at drugstores
- 1.5% money again on every part else
These are priceless 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 supplies. Whereas it presents stable worth, you might need to maintain off till it presents this amount of money again plus an extra 5% class, which we’ve seen prior to now for grocery purchases and fuel 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 via 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.
In case you have one other Chase card that earns transferable Final Rewards factors, such because the Chase Sapphire Most popular, the Chase Sapphire Reserve® (see charges and charges) or the Ink Enterprise Most popular® Credit score Card, you may 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 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.
This unlocks the power to switch your factors at a 1:1 ratio to the Final Rewards program’s airline and lodge companions, together with priceless packages like Air France-KLM Flying Blue, British Airways Membership and World of Hyatt.
On this situation, 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 manner.
Associated: The ability of the Chase Trifecta: Maximize your earnings with 3 playing cards
Key issues
It’s value stating that each the Freedom Limitless and the Freedom Flex impose overseas transaction charges, in order that they’re not perfect to make use of outdoors the U.S. Quite, it is best to use a card with no overseas transaction charges.
Moreover, you’ll need to be sure to 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 accredited.
Backside line
In the event you’re a present holder of the Sapphire Most popular or the Sapphire Reserve and don’t have a Chase Freedom card, now may very well be a very good 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 evaluations of the Freedom Limitless and the Freedom Flex.
Apply right here: Chase Freedom Limitless
Apply right here: Chase Freedom Flex
