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 supply 1% again on purchases outdoors of bonus classes, you’ll earn 1.5% again on nonbonus spending with the Freedom Limitless. And in the event you 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 freshmen, offered they’ve a credit score rating of at the very least 670. It’s additionally a wonderful 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 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 highest supply on the cardboard since March, making now a very good time to use.
And the bonus is much more priceless in the event you even have a card that earns Chase Final Rewards factors, which means you may convert your money again to factors and transfer them to one among 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: Greatest time to use primarily based on supply historical past
Chase Freedom Limitless advantages
The trade-off for playing cards with out an annual payment is that they have a tendency to come back 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 coated 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 coated conditions outcome within the cancellation or interruption of your journey plans.
- Prolonged guarantee safety: You may lengthen the size of guarantee protection by one extra 12 months on authentic eligible warranties of three years or much less.
- Buy safety: Your purchases are protected in opposition to theft and injury for 120 days after the date of buy, as much as $500 per merchandise.
For those who 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 payment.
Associated: Why the Chase Freedom Limitless must 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 greater than 1% for all extra purchases. The bonus classes are good, however the capability to earn 50% extra on nonbonus spending makes this card shine.
This is a superb selection in the event you’re on the lookout for a card that earns greater than 1% again on nonbonus spending.
Associated: The most effective playing cards to pair with the Chase Freedom Limitless
Redeeming money again on the Chase Freedom Limitless
You may 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 price 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 you probably have the appropriate card pairing, you may 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 assist you to switch your rewards to journey companions.
Nevertheless, in the event you 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 checklist of resort 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 offered 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 time Hull, favor to make use of these rewards to e-book higher-end Hyatts that may in any other case be out of price range. Different staffers favor to stretch our rewards through the use of them for excellent 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: The way 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 extra choices, take a look at 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 annually. You may maximize your rewards-earning potential if you have already got a Chase Final Rewards points-earning card. Nevertheless, in the event you’re targeted solely on cash-back rewards, you’ll doubtless need a card with a better incomes price.
Associated: How to decide on a cash-back bank card
Backside line
The Chase Freedom Limitless is a good 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 on the lookout for a complementary card so as to add to your portfolio, the Freedom Limitless is a superb selection.
Apply right here: Chase Freedom Limitless
