In the case of no-annual-fee credit cards, it doesn’t get a lot better than Chase’s duo of the Chase Freedom Unlimited® (see rates and fees) and the Chase Freedom Flex® (see rates and fees). They each include beneficial welcome provides, too, with the potential to take dwelling tons of money again.
And proper now, the Chase Freedom Limitless is providing its highest bonus since March. (The Freedom Flex is providing its commonplace bonus.)
Each the Freedom Flex and the Freedom Limitless are wonderful rewards bank cards with no annual fee. Even higher, they provide the pliability to earn both money again or absolutely transferable Chase Ultimate Rewards factors when mixed with choose Chase cards, such because the Chase Sapphire Preferred® Card (see rates and fees).
Let’s dive deeper into these provides and see how they stack up.
Chase Freedom Limitless welcome provide
Proper now, new Chase Freedom Unlimited cardholders can earn $300 money again after spending $500 on purchases within the first three months. This provide ends Jan. 15, 2026, at 9 a.m. EST.
Incomes charges
- 5% money again on journey booked by means of Chase Travel℠
- 3% money again on dining
- 3% money again at drugstores
- 1.5% money again on every part else
These are beneficial incomes charges, however you must crunch the numbers to see if one other card (just like the Freedom Flex) makes extra sense.
Apply: Chase Freedom Unlimited
Reward your inbox with the TPG Each day publication
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
Chase Freedom Flex welcome provide
New Chase Freedom Flex cardholders can earn $200 money again after spending $500 on purchases within the first three months.
That is the common welcome provide the cardboard supplies. Whereas it provides strong worth, chances are you’ll wish to maintain off till it provides this amount of money again plus an extra 5% class, which we’ve seen prior to now for grocery purchases and fuel station purchases.
Incomes charges
- 5% money again on the primary $1,500 spent on rotating categories every quarter (activation required)
- 5% money again on journey booked by means of Chase Journey
- 3% money again on eating
- 3% money again at drugstores
- 1% money again on all different purchases
That’s a formidable lineup of incomes classes for any card, not to mention a no-annual-fee bank card.
Apply: Chase Freedom Flex
The best way to flip your money again into Chase factors
What actually makes these two playing cards highly effective is how effectively they play with others.
When you have one other Chase card that earns transferable Final Rewards factors, such because the Chase Sapphire Preferred, the Chase Sapphire Reserve® (see rates and fees) or the Ink Business Preferred® Credit Card, you’ll be able to mix the factors out of your Freedom Limitless or Freedom Flex.
I’ve each the Freedom Limitless and the Freedom Flex and pair them with my Sapphire Reserve to transform the money again into Final Rewards factors.
The data 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 supplied by the cardboard issuer.
This unlocks the power to switch your factors at a 1:1 ratio to the Ultimate Rewards program’s airline and hotel partners, together with beneficial applications like Air France-KLM Flying Blue, British Airways Club and World of Hyatt.
On this situation, TPG’s December 2025 valuations deem Chase factors as price 2.05 cents apiece, so your rewards have significantly more flexibility when used on this method.
Associated: The power of the Chase Trifecta: Maximize your earnings with 3 cards
Key issues
It’s price declaring that each the Freedom Limitless and the Freedom Flex impose overseas transaction charges, in order that they’re not best to make use of exterior the U.S. Relatively, you must use a card with no foreign transaction fees.
Moreover, you’ll wish to ensure you adjust to Chase’s 5/24 rule and the issuer’s different application restrictions earlier than making use of. You’d hate to waste a hard inquiry in your credit score report solely to not get authorised.
Backside line
In the event you’re a present holder of the Sapphire Most well-liked or the Sapphire Reserve and don’t have a Chase Freedom card, now might be time to use for one in every of them. Each the Freedom Limitless and the Freedom Flex are price a glance to spice up your on a regular basis spending.
To study extra, learn our opinions of the Freedom Unlimited and the Freedom Flex.
Apply right here: Chase Freedom Unlimited
Apply right here: Chase Freedom Flex