In terms of no-annual-fee bank cards, it doesn’t get significantly better than Chase’s duo of the Chase Freedom Limitless® (see charges and costs) and the Chase Freedom Flex® (see charges and costs). They each include precious welcome gives, too, with the prospective to take house lots of money again.
And at the moment, the Chase Freedom Limitless is providing its absolute best bonus since March. (The Freedom Flex is providing its usual bonus.)
Each the Freedom Flex and the Freedom Limitless are superb rewards bank cards with no annual commission. Even higher, they provide the versatility to earn both money again or totally transferable Chase Final Rewards issues when blended with make a selection Chase playing cards, such because the Chase Sapphire Most well-liked® Card (see charges and costs).
Let’s dive deeper into those gives and spot how they stack up.
Chase Freedom Limitless welcome be offering
At this time, new Chase Freedom Limitless cardholders can earn $300 money again after spending $500 on purchases within the first 3 months. This be offering ends Jan. 15, 2026, at 9 a.m. EST.
Incomes charges
- 5% money again on commute booked thru Chase Trip℠
- 3% money again on eating
- 3% money again at drugstores
- 1.5% money again on the whole lot else
Those are precious incomes charges, however you must crunch the numbers to look if every other card (just like the Freedom Flex) makes extra sense.
Follow: Chase Freedom Limitless
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Chase Freedom Flex welcome be offering
New Chase Freedom Flex cardholders can earn $200 money again after spending $500 on purchases within the first 3 months.
That is the common welcome be offering the cardboard supplies. Whilst it gives cast worth, you might need to grasp off till it gives this sum of money again plus an extra 5% class, which we’ve observed prior to now for grocery purchases and fuel station purchases.
Incomes charges
- 5% money again at the first $1,500 spent on rotating classes every quarter (activation required)
- 5% money again on commute booked thru Chase Trip
- 3% money again on eating
- 3% money again at drugstores
- 1% money again on all different purchases
That’s an excellent lineup of incomes classes for any card, let on my own a no-annual-fee bank card.
Follow: Chase Freedom Flex
flip your money again into Chase issues
What in reality makes those two playing cards robust is how smartly they play with others.
If in case you have every other Chase card that earns transferable Final Rewards issues, such because the Chase Sapphire Most well-liked, the Chase Sapphire Reserve® (see charges and costs) or the Ink Industry Most well-liked® Credit score Card, you’ll mix the issues 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 issues.
The tips for the Ink Industry Most well-liked has been accumulated independently by way of The Issues Man. The cardboard main points in this web page have no longer been reviewed or equipped by way of the cardboard issuer.
This unlocks the power to switch your issues at a 1:1 ratio to the Final Rewards program’s airline and resort companions, together with precious methods like Air France-KLM Flying Blue, British Airlines Membership and Global of Hyatt.
On this situation, TPG’s December 2025 valuations deem Chase issues as value 2.05 cents apiece, so your rewards have considerably extra flexibility when used on this method.
Comparable: The facility of the Chase Trifecta: Maximize your profits with 3 playing cards
Key concerns
It’s value mentioning that each the Freedom Limitless and the Freedom Flex impose overseas transaction charges, so that they’re no longer supreme to make use of out of doors the U.S. Moderately, you can use a card and not using a overseas transaction charges.
Moreover, you’ll need to remember to conform to Chase’s 5/24 rule and the issuer’s different software restrictions sooner than making use of. You’d hate to waste a onerous inquiry to your credit score document handiest not to get authorized.
Base line
In case you’re a present holder of the Sapphire Most well-liked or the Sapphire Reserve and don’t have a Chase Freedom card, now can be a just right time to use for certainly one of them. Each the Freedom Limitless and the Freedom Flex are value a glance to spice up your on a regular basis spending.
To be told extra, learn our opinions of the Freedom Limitless and the Freedom Flex.
Follow right here: Chase Freedom Limitless
Follow right here: Chase Freedom Flex
