Relating to no-annual-fee bank cards, it doesn’t get significantly better than Chase’s duo of the Chase Freedom Limitless® (see charges and costs) and the Chase Freedom Flex® (see charges and costs). They each include helpful 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 commonplace bonus.)
Each the Freedom Flex and the Freedom Limitless are glorious rewards bank cards with no annual payment. Even higher, they provide the pliability to earn both money again or totally transferable Chase Final Rewards factors when mixed with choose Chase playing cards, such because the Chase Sapphire Most well-liked® Card (see charges and costs).
Let’s dive deeper into these presents and see how they stack up.
Chase Freedom Limitless welcome supply
Proper now, new Chase Freedom Limitless cardholders can earn $300 money again after spending $500 on purchases within the first three months. This supply ends Jan. 15, 2026, at 9 a.m. EST.
Incomes charges
- 5% money again on journey booked by means of Chase Journey℠
- 3% money again on eating
- 3% money again at drugstores
- 1.5% money again on every thing else
These are helpful 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 supply
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 supply the cardboard offers. Whereas it presents strong worth, you might wish 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 gasoline 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 by means of Chase Journey
- 3% money again on eating
- 3% money again at drugstores
- 1% money again on all different purchases
That’s a formidable lineup of incomes classes for any card, not to mention a no-annual-fee bank card.
Apply: Chase Freedom Flex
flip your money again into Chase factors
What actually makes these two playing cards highly effective is how properly they play with others.
If in case you have one other Chase card that earns transferable Final Rewards factors, such because the Chase Sapphire Most well-liked, the Chase Sapphire Reserve® (see charges and costs) or the Ink Enterprise Most well-liked® 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 data 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.
This unlocks the flexibility to switch your factors at a 1:1 ratio to the Final Rewards program’s airline and lodge companions, together with helpful applications 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 price 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 price declaring that each the Freedom Limitless and the Freedom Flex impose international transaction charges, so that they’re not excellent to make use of exterior the U.S. Quite, it is best to use a card with no international transaction charges.
Moreover, you’ll wish to be sure you 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 arduous inquiry in your credit score report solely to not get authorized.
Backside line
In the event you’re a present holder of the Sapphire Most well-liked or the Sapphire Reserve and don’t have a Chase Freedom card, now could possibly be time to use for one among them. Each the Freedom Limitless and the Freedom Flex are price a glance to spice up your on a regular basis spending.
To be taught extra, learn our opinions of the Freedom Limitless and the Freedom Flex.
Apply right here: Chase Freedom Limitless
Apply right here: Chase Freedom Flex
