Chase Freedom Limitless overview
The no-annual-fee Chase Freedom Limitless® (see charges and charges) is properly suited to each occasional and frequent vacationers. Whereas many playing cards provide 1% again on purchases outdoors 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 may 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 appear to be a tame cash-back card. However there’s much more to it than meets the attention.
With no annual payment and a easy incomes construction, it’s an excellent card for learners, supplied they’ve a credit score rating of at the least 670. It’s additionally a superb card pairing for extra premium choices just like the Chase Sapphire Most well-liked® Card (see charges and charges) and the Chase Sapphire Reserve® (see charges and charges), making it a precious 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 best provide on the cardboard since March, making now an excellent time to use.
And the bonus is much more precious if you happen to even have a card that earns Chase Final Rewards factors, that means you may convert your money again to factors and transfer them to one in every of Chase’s switch companions.
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Since it is a Chase card, do do not forget that it’s topic to Chase’s 5/24 rule.
Associated: Chase bank cards: Greatest time to use based mostly on provide historical past
Chase Freedom Limitless advantages
The trade-off for playing cards with out an annual payment is that they have an inclination to return with fewer perks than their extra premium counterparts. Nonetheless, the Freedom Limitless has some good options price 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 individual and as much as $6,000 per journey for eligible journey bills in your card if extreme climate, sickness or different lined conditions end result within the cancellation or interruption of your journey plans.
- Prolonged guarantee safety: You possibly can prolong the size of guarantee protection by one extra yr on unique 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.
In case you don’t have one other card with extra sturdy journey insurance coverage and purchasing protections, it is a first rate quantity of protection for a card with no annual payment.
Associated: Why the Chase Freedom Limitless ought to be the primary card in each pupil’s pockets
Incomes money again on the Chase Freedom Limitless
With the Freedom Limitless, you’ll usually earn:
- 5% again on journey booked by way of 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 price increased than 1% for all extra purchases. The bonus classes are good, however the capacity to earn 50% extra on nonbonus spending makes this card shine.
This is a superb alternative if you happen to’re on the lookout for 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 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. You can even redeem your rewards for reward playing cards or use them to e book journey by way of Chase Journey for a similar worth.
And when you’ve got the fitting card pairing, you may flip your rewards into transferable Chase Final Rewards factors and use Chase’s precious 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, if you happen to even have the Chase Sapphire Most well-liked Card, the Chase Sapphire Reserve or the Ink Enterprise Most well-liked® Credit score Card, you may mix your rewards and unlock Chase’s full listing of lodge and airline companions.
The knowledge 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.
TPG staffers significantly 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 season Hull, desire to make use of these rewards to e book higher-end Hyatts which may in any other case be out of funds. Different staffers desire to stretch our rewards by utilizing them for excellent offers on Hyatt’s Class 1 properties.
Along with World of Hyatt, Chase companions with different precious applications like British Airways Membership, Singapore KrisFlyer and United MileagePlus.
Associated: Chase Final Rewards factors: Methods to redeem for optimum 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 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 payment:
For added choices, try our lists of the most effective cash-back playing cards and the most effective playing cards with out an annual payment.
Associated: Chase Freedom Flex vs. Chase Freedom Limitless comparability: Rotating classes or flat money again?
Is the Chase Freedom Limitless price it?
For the reason that Freedom Limitless doesn’t carry an annual payment, you may 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 centered solely on cash-back rewards, you’ll probably desire a card with the next incomes price.
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 might present unimaginable worth when paired with a extra premium Chase card. Whether or not you’re a newbie or a professional on the lookout for a complementary card so as to add to your portfolio, the Freedom Limitless is a superb alternative.
Apply right here: Chase Freedom Limitless
