Chase’s array of non-public bank card merchandise ranges from the ultra-premium Chase Sapphire Reserve® to the cash-back playing cards, which do not cost annual charges. With so many choices, choosing the right card could be tough if you happen to aren’t positive what you need.
Because of Chase’s 5/24 rule (which implies that you can robotically be rejected for many Chase playing cards if you happen to’ve opened 5 or extra playing cards within the final 24 months), it is necessary to have a transparent technique about which Chase playing cards you need to add to your pockets.
Right now, we’re taking a look at two of Chase’s no-annual-fee bank cards — the Chase Freedom Flex® and Chase Freedom Limitless®.
By themselves, each earn factors that may solely be redeemed as money again at 1 cent per level. Nevertheless, you may pair both card with a extra premium Chase Final Rewards card, such because the Chase Sapphire Most popular® Card, to show these factors into full-fledged Final Rewards factors. Then, you may redeem the factors by means of Chase Journey℠ or switch them to companions.
Let’s evaluate every card’s particulars to see which makes extra sense for you.
Chase Freedom Flex vs. Chase Freedom Limitless comparability
| Card | Chase Freedom Flex | Chase Freedom Limitless |
|---|---|---|
| Annual charge | None | None |
| Signal-up bonus | Earn $200 money again after spending $500 on purchases within the first three months from account opening | For a restricted time, cardholders can earn $250 money again after spending $500 on purchases within the first three months from account opening |
| Incomes price |
|
|
| Advantages |
|
|
| Redemption choices | Redeem factors as money again, or switch them to Final Rewards factors if you happen to additionally maintain a premium Chase card | Redeem factors as money again, or switch them to Final Rewards factors if you happen to additionally maintain a premium Chase card |
Chase Freedom Flex vs. Chase Freedom Limitless welcome bonus
The Freedom Flex provides a welcome bonus of $200 money again after spending $500 on purchases within the first three months after account opening. At face worth, this bonus is price $200; nevertheless, in line with TPG’s March 2025 valuations, if you happen to additionally maintain a premium Chase card and switch your factors, they are often price $410.
Proper now, new Chase Freedom Limitless cardholders can earn $250 money again after spending $500 within the first three months. At face worth, this bonus is price $250; nevertheless, if you happen to additionally maintain a premium Chase card, it may be price $513, in line with TPG’s March 2025 valuations.
Winner: Freedom Limitless. The better worth of its welcome provide provides this card an edge over the Freedom Flex.
Chase Freedom Flex vs. Chase Freedom Limitless advantages
The Freedom Flex and Freedom Limitless provide journey cancellation/interruption insurance coverage, auto rental collision harm waiver, prolonged guarantee safety, journey and emergency and help providers, and buy safety.
Day by day E-newsletter
Reward your inbox with the TPG Day by day e-newsletter
Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
Nevertheless, the place the 2 playing cards differ is the good thing about cellphone safety with the Freedom Flex, which is a Mastercard, not a Visa. Cardmembers can stand up to $800 per declare and $1,000 per yr (most of two claims in a 12-month interval with a $50 deductible per declare).
Whereas there aren’t too many earth-shattering variations, Mastercard’s cellphone safety is the massive — and extremely fascinating — perk between the 2.
Winner: Freedom Flex’s cellphone safety profit is helpful to cardholders in case of injury or theft.
Incomes money again with the Chase Freedom Flex vs. Chase Freedom Limitless
These bank cards are cash-back-earning playing cards. They each provide 5% money on journey booked by means of Chase Journey℠, 3% money again on eating (together with takeout and eligible supply providers) and three% money again at drugstores.
The place they diverge is that whereas the Freedom Limitless has a flat 1.5% incomes price on all non-bonus spending (in comparison with simply 1% with the Freedom Flex), the Freedom Flex provides 5% money again on as much as $1,500 in rotating quarterly bonus classes, which embody quite a lot of totally different retailers and service provider sorts all year long.
The Freedom Limitless is the simpler choice, whereas the Freedom Flex requires you to activate the bonus classes each quarter.
Winner: Tie. It relies on whether or not you need to work to maintain up with quarterly rotating bonus classes with the Freedom Flex or go for a easy flat price with the Freedom Limitless.
Associated: The very best Chase bank cards
Redeeming money again with the Chase Freedom Flex vs. Chase Freedom Limitless
Redeeming your hard-earned money again with both bank card is kind of easy. The normal choices are to redeem for assertion credit score or direct deposit into most U.S. checking and financial savings accounts. As well as, you may redeem the worth of your money again as reward playing cards to over 175 manufacturers provided by Chase.
“Store by means of Chase” is another choice the place factors could be utilized instantly for purchases on Chase’s companion web sites, reminiscent of Amazon.com. You may as well ebook journey by means of the Chase Journey℠ Portal to cowl airfare, resort stays, and rental automobiles by paying solely with factors or a mix of factors and money. In these situations, you redeem at one cent per level.
Winner: Tie
Associated: The entire information to Chase Final Rewards
Transferring money again with the Chase Freedom Flex vs. Chase Freedom Limitless
A greater strategy to redeem your money again from both Freedom Flex or Freedom Limitless is to switch it to one among Chase’s premium journey playing cards, profiting from the Chase Trifecta.
These playing cards embody the Chase Sapphire Most popular Card, Ink Enterprise Most popular® Credit score Card, and the Chase Sapphire Reserve. While you switch your factors to the Sapphire Most popular or Ink Enterprise Most popular to redeem journey by means of Chase Journey℠, the worth of your factors will increase by 25%. Being a cardholder of the Sapphire Reserve provides you a 50% enhance whenever you switch your factors to that card and redeem them for journey.
You’ll be able to switch these mixed factors from one of many three playing cards to any of Chase’s 14 switch companions for much more worth. The worth you may achieve out of your factors when transferring to journey companions is limitless.
Late final yr, I used to be capable of safe a one-way business-class ticket from Los Angeles to Paris by reserving by means of Air France-KLM Flying Blue for 50,000 factors, giving me a redemption price of over 7 cents per level.
Winner: Tie
Associated: Tips on how to redeem Chase Final Rewards factors for max worth
Ought to I get the Chase Freedom Flex vs. Chase Freedom Limitless?
Attributable to its rotating bonus classes, the Freedom Flex is extra useful in case your spending habits change all year long. Cellphone safety can also be a novel perk. Conversely, the Freedom Limitless is right for many who desire simplicity and need assured rewards with out the necessity to observe or activate bonus classes, making it an awesome alternative for inexperienced persons.
Tips on how to swap from the Chase Freedom FLex to Chase Freedom Limitless?
Each the Freedom Flex and Freedom Limitless fall throughout the similar household of Chase’s cash-back playing cards; due to this fact, you may swap between the 2. Switching playing cards is so simple as calling the customer support cellphone quantity discovered on the again of the cardboard and requesting a product change to both card.
When switching from one card to a different, you forgo incomes the welcome bonus on the cardboard. This is a vital facet to remember, as you will miss out on a piece of money again rewards.
Backside line
Whether or not you go for the Freedom Flex or Freedom Limitless, these playing cards match properly into nearly each sort of bank card technique. In case you’re new to the world of factors and miles and have a extra restricted credit score historical past, these playing cards are simpler to get authorised for than premium playing cards such because the Chase Sapphire Reserve.
They’ll additionally enable you construct a powerful relationship with Chase whereas incomes precious rewards — however resist the temptation to redeem them for money again till you get a Sapphire card later. Even if you happen to’re a extra superior award traveler, you will get quite a lot of worth from these playing cards.
To study extra, learn our full evaluations of the Freedom Limitless and Freedom Flex.
Apply right here: Chase Freedom Limitless
Apply right here: Chase Freedom Flex
