In the case of no-annual-fee bank cards, it does not get a lot better than Chase’s duo of the Chase Freedom Flex® and Chase Freedom Limitless®. They each include useful welcome provides, too, with the potential to take dwelling tons of money again.
Each the Freedom Flex and Freedom Limitless playing cards supply wonderful rewards charges with no annual payment. Even higher, they provide the pliability to earn both money again or absolutely transferable Final Rewards factors when mixed with different Chase merchandise, such because the Chase Sapphire Most popular® Card.
Let’s dive deeper into these provides and see how they stack up.
Chase Freedom Limitless welcome supply
Welcome supply
Proper now, new Chase Freedom Limitless cardholders can earn $250 money again after spending $500 within the first three months.
The present welcome supply shouldn’t be the highest now we have seen on the Freedom Limitless. Nonetheless, it is extra simple than the same old supply of latest cardholders incomes 1.5% money again on all purchases (as much as $20,000 spent within the first 12 months).
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 little thing else
These are useful incomes charges, however it’s best to crunch the numbers to see if one other card (just like the Freedom Flex) makes extra sense.
Associated: Chase Freedom Limitless assessment
Chase Freedom Flex welcome supply
Welcome supply
New Chase Freedom Flex cardholders can earn $200 money again after spending $500 within the first three months.
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 consultants
That is the common welcome supply the cardboard supplies. Whereas it provides strong worth, it’s possible you’ll wish to maintain off till it provides this amount of money again plus an extra 5% class, which we have seen prior to now for grocery purchases and at fuel stations.
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 on drugstores
- 1% money again on all different purchases
That is a formidable lineup of incomes classes for any card, not to mention a no-annual-fee bank card.
Associated: Chase Freedom Flex card assessment
flip your money again into Chase factors
What actually makes these two playing cards highly effective is how effectively 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 popular, Chase Sapphire Reserve® or Ink Enterprise Most popular® Credit score Card, you’ll be able to mix the factors out of your Freedom Limitless or Freedom Flex.
This boosts your redemption worth for journey by means of the Chase portal to 1.25 cents per level on the Sapphire Most popular or Ink Enterprise Most popular or 1.5 cents per level on the Sapphire Reserve.
Nonetheless, it additionally unlocks the power to switch your factors at a 1:1 ratio to the Final Rewards program’s airline and lodge companions — together with useful packages like Air France-KLM Flying Blue, British Airways Govt Membership and World of Hyatt. On this state of affairs, TPG’s March 2025 valuations place Chase factors at 2.05 cents apiece, so your rewards have considerably extra flexibility when used on this manner.
Associated: The facility of the Chase Trifecta: Sapphire Reserve, Ink Most popular and Freedom Limitless
Key issues
It is value declaring that each the Freedom Limitless and Freedom Flex impose overseas transaction charges, so they don’t seem to be excellent to make use of exterior the U.S. Fairly, it’s best to use a card with no overseas transaction charges.
As well as, you may wish to ensure you adjust to Chase’s 5/24 rule together with the issuer’s different software 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
Should you’re a present holder of the Sapphire Most popular or Sapphire Reserve and do not have a Chase Freedom card, now could possibly be the right time to leap on certainly one of them. Each the Freedom Limitless and Freedom Flex are value a glance to spice up your on a regular basis spending.
Apply right here: Chase Freedom Limitless
Apply right here: Chase Freedom Flex
