The Chase Freedom Limitless® (see charges and costs) is a top-tier no-annual-fee cash-back card from Chase. The Freedom Limitless used to be one in every of my first bank cards, and it is nonetheless a card I exploit each and every unmarried week.
With cast incomes on on a regular basis spending and easy cash-back rewards, the Freedom Limitless provides a cast price proposition for rookies and skilled issues and miles enthusiasts alike.
For additonal price, you’ll be able to switch the rewards you earn in this card to one in every of Chase’s 14 loyalty companions in the event you additionally dangle an eligible Chase Final Rewards card.
It is a card I often counsel, so let’s discover the explanation why. Card ranking*: ⭐⭐⭐⭐
*Card ranking is in response to the opinion of TPG’s editors and isn’t influenced by means of the cardboard issuer.
Chase Freedom Limitless: The fundamentals
Not like top rate playing cards with a lot of remark credit to trace, the Freedom Limitless helps to keep it easy. Its primary attraction is in its incomes charges, with its 1.5% cash-back price on nonbonused spending making it stand out amongst different no-annual-fee playing cards.
I like to recommend incomes greater than 1% coins again or 1 level according to buck spent every time conceivable. The Freedom Limitless is a brilliant no-annual-fee selection for what I name a “catchall card” — a card you employ for any purchases that do not fall inside of your different playing cards’ bonus classes.
Freedom Limitless cardholders are eligible for 6 months of complimentary DoorDash DashPass, a pleasing perk for the ones wishing to take a look at out the provider (turn on by means of Dec. 31, 2027). In case you are enrolled in DashPass, you can obtain as much as $10 off each and every quarter on nonrestaurant orders during the finish of 2027.
You can additionally obtain a couple of protections with the Freedom Limitless, together with acquire coverage, prolonged guaranty coverage and go back and forth cancellation and interruption insurance coverage.
Praise your inbox with the TPG Day-to-day publication
Sign up for over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s professionals
You have to word that the Freedom Limitless fees a three% international transaction commission, so you will want to use a card with no international transaction charges as a substitute.
Chase Freedom Limitless professionals and cons
| Execs | Cons |
|---|---|
|
|
Chase Freedom Limitless advantages
For a no-annual-fee card, I consider the Freedom Limitless supplies precisely what you would be expecting. You will not obtain significant remark credit or elite standing, however that is totally cheap for a card that you do not want to pay to carry.
The complimentary six-month DoorDash DashPass receive advantages is sweet for somebody who desires to discover whether or not this subscription provider is worthwhile for them. Then again, it is an effective way to avoid wasting cash if you are already a DashPass subscriber.
I have been a common DoorDash person since school, so I favored this perk again after I opened my Freedom Limitless. (Turn on by means of Dec. 31, 2027.)
Taking into consideration this card has no annual commission, profiting from the complimentary six-month DashPass club and as much as $10 according to quarter in credit for nonrestaurant orders (akin to the ones from grocery shops and comfort shops) is a sturdy price proposition.
Since DoorDash DashPass is valued at $9.99 per thirty days, that is $80 in overall price when combining each perks throughout six months.
Receiving acquire coverage, prolonged guaranty coverage, and go back and forth cancellation and interruption insurance coverage will give cardholders peace of thoughts, particularly for the ones simply beginning their bank card adventure who won’t another way have the ones protections.
Whilst the Freedom Limitless’s most powerful attraction is in its rewards (extra on that in a while), I view its different advantages as a cast providing for the ones ready to correctly use them.
earn and use your rewards
Incomes rewards at the Freedom Limitless is reasonably simple. By itself, it is a cash-back card.
It earns:
- 5% coins again on Chase Commute℠ purchases
- 3% coins again on eating purchases (together with takeout and supply) and at drugstores
- 2% coins again on Lyft rides (via Sept. 30, 2027)
- 1.5% coins again on all different purchases
Whilst the 1.5% cash-back price in this card is vital, it is price calling out that it is a nice card for eating. There are playing cards available in the market that earn on this class at the next price, however 3% coins again (or 3 issues according to buck spent with an eligible Final Rewards card) is robust.
When paired with an eligible Final Rewards card, such because the Chase Sapphire Most popular® Card (see charges and costs) or the Chase Sapphire Reserve® (see charges and costs), you’ll be able to mix your rewards and switch them to one in every of Chase’s switch companions.
In case you wouldn’t have an Final Rewards card just like the Sapphire Most popular or the Sapphire Reserve, you are able to redeem your Freedom Limitless rewards for coins again, present playing cards, shuttle via Chase Commute and Amazon purchases.
As I discussed previous, when paired with the proper Chase card, you’ll be able to use the maximum profitable redemption choice of all: moving issues to Chase’s shuttle companions. That is how you are able to internet TPG’s April 2026 valuation of Final Rewards issues at 2.05 cents according to level.
Final yr, I transferred 40,000 Final Rewards issues to International of Hyatt for a two-night keep on the Andaz Munich Schwabinger Tor. Costs at this belongings moderate round $300 according to evening, so the use of issues to e-book a keep right here stored me relatively a little of money.
Comparable: switch Chase Final Rewards issues to International of Hyatt
The place the Chase Freedom Limitless may fall brief
The Freedom Limitless can paintings nice as a amateur card or as a catchall card for a extra established pockets. That stated, it does not be offering the similar deep price possible as a extra top rate bank card.
You will not obtain considerable shuttle advantages, akin to a remark credit score for shuttle purchases or the facility to earn sturdy rewards on shuttle booked out of doors of Chase Commute, with this card. You additionally will likely be charged international transaction charges on purchases made out of doors the U.S., so this is not a card price bringing in your global travels.
Your redemption choices also are rather restricted with no qualifying Final Rewards card, however that may be a plus for somebody looking for a elementary cash-back-only card.
Chase Freedom Limitless vs. Chase Freedom Flex
The Freedom Limitless has an in depth sibling within the Chase Freedom Flex® (see charges and costs). Those playing cards proportion numerous similarities. Each don’t have any annual commission; earn the similar on Chase Commute, eating, drugstore and Lyft (via Sept. 30, 2027) purchases; and be offering identical protections.
The Freedom Flex’s declare to reputation is its rotating quarterly classes. Every quarter, cardholders can earn 5% coins again in a choice of classes, on as much as $1,500 of purchases each and every quarter (activation required). I have used my Freedom Flex‘s rotating quarterly classes to stack up relatively a couple of issues, in particular when PayPal, veterinary services and products and Amazon had been featured.
The Freedom Flex additionally comes with mobile phone coverage whilst you pay your per thirty days telephone invoice with it; the Freedom Limitless lacks this receive advantages.
In my opinion, I like to recommend including either one of those playing cards on your pockets. They supplement each and every different neatly and will shape an impressive trifecta when partnered with a card just like the Chase Sapphire Most popular or the Sapphire Reserve.
To be informed extra, take a look at our showdown between the Freedom Limitless and the Freedom Flex.
When to use for the Chase Freedom Limitless
For a restricted time, new Freedom Limitless cardholders can earn a $250 cash-back bonus after spending $500 on purchases within the first 3 months of account opening.
When you have a Sapphire card or the Ink Industry Most popular® Credit score Card (see charges and costs), this welcome bonus is price roughly $513, in step with TPG’s valuations. That is an out of this world go back in your spending.
We generally tend to peer a number of welcome bonuses at the Freedom Limitless, together with double coins again on your first cardholder yr and 5% again on groceries on your first cardholder yr (provides recently unavailable). The present be offering may be very cast, making now a great time to use.
Simply stay Chase’s software restrictions in thoughts, in particular its 5/24 rule. This rule states that you’ll be able to’t be authorized for a brand new Chase card in the event you’ve opened 5 or extra non-public bank cards up to now 24 months.
Different playing cards to imagine as a substitute of the Chase Freedom Limitless
Whilst the Freedom Limitless is a brilliant upload to many wallets, it might not be for you. Listed here are any other playing cards to imagine as a substitute:
For added choices, take a look at our alternatives for the highest cash-back playing cards and the highest no-annual-fee playing cards.
Base line
The Chase Freedom Limitless has been one in every of my favourite playing cards since I opened it in 2023. It is a nice card on your nonbonused spending, plus any eating purchases you are making in the event you wouldn’t have a better choice for that class.
When paired with the proper Final Rewards card, the Freedom Limitless turns into an impressive no-annual-fee card with massive price possible due to Chase’s switch companions. I like to recommend all bank card lovers imagine it, whether or not they are on the lookout for their first bank card or otherwise to energy up their pockets.
Practice right here: Chase Freedom Limitless
