Chase Freedom Limitless overview
The no-annual-fee Chase Freedom Unlimited® (see rates and fees) is effectively 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 case you pair this with a card that earns premium Chase Final Rewards factors, you’ll be able to convert your rewards into absolutely transferable factors. Card ranking*: ⭐⭐⭐⭐
*Card rating relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
At first look, the Chase Freedom Limitless may seem to be a tame cash-back card. However there’s much more to it than meets the attention.
With no annual price and a easy incomes construction, it’s an ideal card for inexperienced persons, offered they’ve a credit score of a minimum of 670. It’s additionally a superb card pairing for extra premium choices just like the Chase Sapphire Preferred® Card (see rates and fees) and the Chase Sapphire Reserve® (see rates and fees), making it a useful addition to many bigger card portfolios.
Let’s study what makes this card so nice, and whether or not it deserves a spot in your pockets.
Chase Freedom Limitless professionals and cons
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Chase Freedom Limitless welcome supply
New Chase Freedom Unlimited 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 offer on the card since March, making now a superb time to use.
And the bonus is much more useful in case you even have a card that earns Chase Ultimate Rewards factors, which means you’ll be able to convert your money again to factors and transfer them to certainly one of 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.
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Chase Freedom Limitless advantages
The trade-off for playing cards with out an annual price is that they have a tendency to come back with fewer perks than their more premium counterparts. Nonetheless, the Freedom Unlimited has some good options price highlighting:
- Rental automobile safety: You’ll have rental automobile insurance coverage that covers reimbursement for theft and collision harm 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 particular person and as much as $6,000 per journey for eligible journey bills in your card if extreme climate, sickness or different coated conditions end result within the cancellation or interruption of your journey plans.
- Prolonged guarantee safety: You possibly can 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 harm for 120 days after the date of buy, as much as $500 per merchandise.
Should you don’t have one other card with extra sturdy travel insurance and shopping protections, it is a first rate quantity of protection for a card with no annual price.
Associated: Why the Chase Freedom Unlimited should be the first card in every student’s wallet
Incomes money again on the Chase Freedom Limitless
With the Freedom Unlimited, you’ll usually earn:
- 5% again on journey booked by Chase Travel℠
- 3% again on dining (together with takeout and eligible supply companies)
- 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 increased than 1% for all extra purchases. The bonus classes are good, however the means to earn 50% extra on nonbonus spending makes this card shine.
This is a superb alternative in case you’re searching for a card that earns greater than 1% again on nonbonus spending.
Associated: The best cards to pair with the Chase Freedom Unlimited
Redeeming money again on the Chase Freedom Limitless
You possibly can redeem the money again earned in your Freedom Unlimited as a press release credit score or for a direct deposit into most U.S. checking and financial savings accounts at a worth of 1 cent per level. You too can redeem your rewards for present playing cards or use them to e book journey by Chase Journey for a similar worth.
And when you have the proper card pairing, you’ll be able to flip your rewards into transferable Chase Final Rewards factors and use Chase’s useful switch companions for much more worth.
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Transferring money again with the Chase Freedom Limitless
Alone, the Freedom Unlimited is a real cash-back card and doesn’t help you switch your rewards to journey companions.
Nevertheless, in case you even have the Chase Sapphire Preferred Card, the Chase Sapphire Reserve or the Ink Business Preferred® Credit Card, you’ll be able to combine your rewards and unlock Chase’s full checklist of hotel and airline partners.
The knowledge for the Ink Enterprise Most popular 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 Hull, desire to make use of these rewards to e book higher-end Hyatts which may in any other case be out of finances. Different staffers desire to stretch our rewards through the use of them for excellent offers on Hyatt’s Category 1 properties.
Along with World of Hyatt, Chase companions with different useful packages like British Airways Club, Singapore KrisFlyer and United MileagePlus.
Associated: Chase Ultimate Rewards points: How to redeem for maximum value
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 in your wants, even when your focus is on earning cash-back rewards. Just like the Freedom Unlimited, these choices additionally earn cash-back rewards and don’t carry an annual price:
For extra choices, take a look at our lists of the best cash-back cards and the best cards without an annual fee.
Associated: Chase Freedom Flex vs. Chase Freedom Unlimited comparison: Rotating categories or flat cash back?
Is the Chase Freedom Limitless price it?
Because the Freedom Unlimited doesn’t carry an annual price, you’ll be able to really feel nice about incomes rewards with out justifying what you pay to maintain it annually. You possibly can maximize your rewards-earning potential if you have already got a Chase Final Rewards points-earning card. Nevertheless, in case you’re centered solely on cash-back rewards, you’ll possible need a card with a higher earning rate.
Associated: How to choose a cash-back credit card
Backside line
The Chase Freedom Unlimited is a good card for everyday nonbonus spending and may present unimaginable worth when paired with a extra premium Chase card. Whether or not you’re a newbie or a professional searching for a complementary card so as to add to your portfolio, the Freedom Limitless is a superb alternative.
Apply right here: Chase Freedom Unlimited