The Chase Freedom Limitless card is exclusive amongst Chase’s Final Rewards playing cards in that you simply earn a minimal of 1.5x for all spend whereas additionally incomes 3x-5x inside bonus classes, together with eating and drugstores. The cardboard has no annual price and earns Chase Final Rewards, which may be very highly effective when paired with the best playing cards. Let’s take a deeper look.
Chase Freedom Limitless Present Welcome Provide
Chase Freedom Limitless Overview
Outdoors of getting it for an attractive welcome supply, the Chase Freedom Limitless could be a fairly enticing card…inside the best context. There’s higher cashback playing cards on the market, but when the Freedom Limitless is paired with a premium card that unlocks the power to switch to companions (both the Ink Enterprise Most well-liked, Sapphire Most well-liked or Sapphire Reserve), the factors that it earns turn out to be considerably extra beneficial. In that context, we worth Final Rewards at 1.5 cents every, so the Freedom Limitless successfully brings in between 2.25% (1.5 cents per level X 1.5 factors per greenback) and seven.5% in rewards. Fairly good for a card with no annual price.
- Annual Payment: None
- Licensed Consumer Annual Payment: Free
- International Transaction Payment: 3%
- What factors are value: The Freedom Limitless card is marketed as a cashback card, however it truly earns Chase Final Rewards. Our present Cheap Redemption Values pegs their worth at 1.5 cents every. Be aware that this assumes the cardholder additionally has a premium card that unlocks the power to switch to companions (both the Ink Enterprise Most well-liked, Sapphire Most well-liked or Sapphire Reserve). With out a type of playing cards, factors are solely value 1 cent every in the direction of cashback, which may be taken as a press release credit score, through verify or ACH switch.
- Greatest Use for Factors: When mixed with a premium card, Chase Final Rewards may be transferred to journey companions at a 1:1 ratio and this can often yield essentially the most worth. Our favourite resort switch companion is undoubtedly Hyatt, the place redemptions can usually exceed 2-3 cents per level. Airline companions are good, if not nice, and embody Air Canada Aeroplan, Air France/KLM Flying Blue and British Airways Avios, in addition to home packages like United Mileage Plus, Southwest Fast Rewards and JetBlue. Freedom Limitless cardholders can redeem Final Rewards for journey by means of the Chase Portal at a worth of 1 cent every. Those that even have an Ink Enterprise Most well-liked or Sapphire Most well-liked within the household can mix factors with these playing cards and redeem them for journey by means of the Chase Portal at 1.25 cents every. Sapphire Reserve cardholders can do the identical factor and redeem factors at 1.5 cents every by means of the portal.
- Incomes Classes:
- 5X on journey booked by means of the Chase Journey Portal
- 5x on Lyft rides (by means of March 2025)
- 3x at eating places and drugstores
- 1.5x in every single place else
- Credit:
- $10 Instacart credit score (quarterly)
- $10 GoPuff credit score (month-to-month, by means of 12/31/23)
- Journey Protections:
- Auto Rental Protection: Secondary auto rental CDW (collision injury waiver). Offers reimbursement for theft and collision injury for rental automobiles within the U.S. and overseas. Throughout the US, the cardboard’s protection is secondary to your private insurance coverage (assuming you may have it). Outdoors of the US, it’s main.
- Journey Cancellation/Interruption Insurance coverage: As much as $1,500 per individual and $6,000 per journey to your pre-paid, non-refundable journey bills, together with passenger fares, excursions, and inns.
- Buy Protections:
- Prolonged Guarantee: One extra 12 months, on eligible warranties of three years or much less (US warranties solely).
- Harm and Theft Safety: Covers new purchases for 120 days in opposition to injury or theft as much as $500 per declare/$50,000 per account.
- Who’s this card for? Those that additionally carry a premium Final Rewards card such because the Sapphire Reserve, Sapphire Most well-liked or Ink Enterprise Most well-liked. Of us in search of a straight cashback card can do higher.
- Is the Freedom Limitless a keeper? Sure, however not and not using a premium Final Rewards card.
Chase Freedom Limitless Execs and Cons
Execs
- Earns 1.5x Final Rewards in every single place
- Nice 3x classes for a card with no annual price
- Presently has among the finest welcome presents of all of the Final Rewards-earning playing cards
- Good switch companions, particularly for folk in search of home airline and resort packages
- Miles may be shared throughout playing cards and cardholders
- Unusually for a fee-free card, supplies journey and buy protections
Cons
- 3% international transaction price
- Should be paired with a “premium” card with the intention to switch to companions
- Not essentially the most thrilling group of airline companions
Chase Switch Companions
| Rewards Program | Capital One Switch Ratio | Greatest Makes use of |
|---|---|---|
| Aer Lingus Avios | 1 to 1 through BA | Gasoline surcharges are typically decrease when reserving with Aer Lingus (Avios.com) slightly than British Airways, Qatar, or Iberia. It is doable to maneuver factors (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See additionally: Avios Candy Spots for Award Tickets. |
| Air Canada Aeroplan | 1 to 1 | Redeem for Star Alliance flights and/or flights with Air Canada companions (similar to Etihad). No gasoline surcharges; $39 CAD award reserving price; 5,000 factors so as to add stopover on one-way award. See: Air Canada Aeroplan: All the pieces you’ll want to know. |
| Air France KLM Flying Blue | 1 to 1 | Month-to-month Air France Promo Awards usually symbolize excellent worth. Air France miles can be utilized to guide Sky Staff awards, together with Delta awards. Air France usually presents excellent enterprise class award pricing between the US and Europe & Israel. |
| British Airways Avios | 1 to 1 | Whereas flights on British Airways itself usually incur outrageously excessive gasoline surcharges, many BA companions cost low or no gasoline surcharges. Wonderful worth may be had in redeeming BA factors for brief distance flights. It is doable to maneuver factors (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See additionally: Avios Candy Spots for Award Tickets. |
| Emirates Skywards | 1 to 1 | The perfect use of Emirates miles has been to fly Emirates itself. Sadly gasoline surcharges may be steep. See: Emirates Candy Spot Awards – Top quality from 30K miles spherical journey. |
| Hyatt | Use for Hyatt free nights, free suite nights, lounge upgrades, or suite upgrades. Hyatt factors are sometimes value a minimum of 2 cents every, however they’re typically value much more. Bonus: award nights aren’t topic to resort charges. | |
| Iberia Avios | 1 to 1 through BA | On their very own flights, Iberia presents low award costs and a really affordable 25 Euro cancellation price. Companion awards can supply good worth beneath some circumstances as effectively, however these are often nonrefundable. Gasoline surcharges are typically decrease when reserving with Iberia slightly than British Airways, Aer Lingus, or Qatar. It is doable to maneuver factors (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See additionally: Avios Candy Spots for Award Tickets. |
| IHG | IHG dynamically costs their awards and typically supply excellent worth. IHG Premier and IHG Premier Enterprise playing cards supply the fourth evening free on award stays. | |
| JetBlue | JetBlue factors supply essentially the most worth when low cost ticket costs can be found and when award taxes are excessive relative to the general value of the ticket (extra particulars may be discovered right here). The JetBlue Plus Card and the JetBlue Enterprise Card supply a ten% rebate on awards, so you will get extra worth by holding one among these playing cards. | |
| Marriott Bonvoy | fifth Evening Free awards. Alternatives to get outsized worth exist however may be exhausting to search out. | |
| Qatar Privilege Membership Avios | 1 to 1 through BA | Qatar has affordable award costs for flying Qatar itself. Factors are actually transferable 1 to 1 to British Airways (and from there to Aer Lingus or Iberia). It’s now additionally doable to guide JetBlue flights with Qatar Avios. |
| Singapore Airways KrisFlyer | 1 to 1 | Use to guide Singapore Airways First Class awards (typically reserved for their very own members), Alaska Airways economic system awards, or for Star Alliance awards (together with United Airways). |
| Southwest Fast Rewards | Award flights are absolutely refundable. Level values range attributable to sure taxes not being charged on awards, however are inclined to common round 1.5 cents per level. | |
| United MileagePlus | United presents free award modifications and free cancelations. Like Avianca and Aeroplan, United by no means costs gasoline surcharges for awards. Sadly, United costs many extra miles for worldwide top notch awards. Good makes use of of miles embody United’s Excursionist Perk awards and (typically) dynamically priced United economic system awards. | |
| Virgin Atlantic Flying Membership | 1 to 1 | Virgin Atlantic presents a number of nice candy spot awards together with US to Europe on Delta One enterprise class for 50K factors one-way. See: Greatest makes use of for Virgin Atlantic factors (Candy Spot Highlight). |
Associated Playing cards
Chase Final Rewards Client Playing cards
| Card Provide and Particulars |
|---|
 Earn 20,000 factors (value $200 money again) after spending $500 within the first 3 months + 5% money again on mixed gasoline station and grocery retailer purchases (not together with Goal or Walmart) on as much as $12,000 spent within the first 12 months.No Annual Payment Remember to choose the cardboard you need after clicking by means of. This card is topic to Chase’s 5/24 rule (click on right here for particulars). Though this card is marketed as a money again card, it truly earns Final Rewards factors that are redeemable for 1 cent every, or may be mixed with different Final Rewards-earning playing cards to get much more worth. This product is offered to you should you don’t have this card and haven’t obtained a brand new cardmember bonus for this card prior to now 24 months.
Details about this card has been collected independently by Frequent Miler. The issuer didn’t present the main points, neither is it accountable for their accuracy. Latest higher supply: 20K factors + 5x grocery shops for the primary 12 months on as much as $12K in qualifying purchases FM Mini Overview: Nice for 5X and 3x classes and World Mastercard advantages. Wonderful companion card to Sapphire Reserve, Sapphire Most well-liked, or Ink Enterprise Most well-liked. Incomes charge: 5x journey booked by means of Chase ✦ 5X Lyft by means of March 2025 ✦ 3x eating ✦ 3x drugstores ✦ 5X in rotating classes on as much as $1,500 spend per quarter (This autumn 2023: PayPal, wholesale golf equipment, and choose charities) Card Data: Mastercard World issued by Chase. This card imposes international transaction charges. Noteworthy perks: Free DashPass for as much as 3 months upon activation ✦ Mobile phone safety ✦ Lyft credit ✦ $10 quarterly Instacart credit score ✦ 3 months free Instacart+ ✦ $10 month-to-month GoPuff credit score (by means of 12/31/23) |
 Limitless, uncapped double cashback on all spending for first 12 months of card membershipNo Annual Payment Alternate Provide: Low spenders might want a unique intro supply with an preliminary spend bonus and extra bonuses for gasoline and grocery purchases. Particulars right here.
FM Mini Overview: Nice for 3x classes and 1.5X in every single place else. Wonderful companion card to Sapphire Reserve, Sapphire Most well-liked, or Ink Enterprise Most well-liked. Incomes charge: 5x journey booked by means of Chase ✦ 5X Lyft by means of March 2025 ✦ 3x eating ✦ 3x drugstores ✦ 1.5X in every single place else Card Data: Visa Signature or Platinum issued by Chase. This card imposes international transaction charges. Noteworthy perks: Free DashPass for as much as 3 months upon activation ✦ $10 quarterly Instacart credit score ✦ 3 months free Instacart+ ✦ $10 month-to-month GoPuff credit score (by means of 12/31/23) |
 None This card is now not obtainableNo Annual Payment Details about this card has been collected independently by Frequent Miler. The issuer didn’t present the main points, neither is it accountable for their accuracy. FM Mini Overview: Nice for 5X classes. Good companion card to Sapphire Reserve, Sapphire Most well-liked, or Ink Enterprise Most well-liked. Incomes charge: 5X Lyft by means of March 2025; 5X in rotating classes on as much as $1,500 spend per quarter (This autumn 2023: PayPal, wholesale golf equipment, and choose charities). Card Sort: Visa Signature or Platinum Noteworthy perks: Free DashPass for as much as 3 months upon activation ✦ $10 quarterly Instacart credit score ✦ 3 months free Instacart+ ✦ $10 month-to-month GoPuff credit score (by means of 12/31/23) |
 60K after $4K spend in 3 months$95 Annual Payment Alternate Provide: There could also be elevated presents obtainable by making use of in-branch An analogous supply with the primary 12 months annual price waived could also be discovered in-branch. YMMV. FM Mini Overview: Nice signup bonus. Unlocks capacity to switch factors to resort & airline companions. Stable choice to pair with fee-free Final Rewards playing cards such because the Freedom playing cards, Ink Enterprise Money, and Ink Enterprise Limitless. Incomes charge: 5X Journey booked by means of Chase (2X all different journey) ✦ 3X Eating ✦ 3X Choose streaming providers ✦ 3X On-line grocery ✦ 5X Lyft (by means of March 2025) ✦ 10% annual level bonus Card Data: Visa Signature issued by Chase. This card has no international transaction charges. Noteworthy perks: Main auto rental collision injury waiver ✦ Free DashPass by means of 2025 ✦ Switch factors to airline & resort companions ✦ $50 annual credit score for resort stays booked by means of Chase ✦ $15 quarterly Instacart credit score ✦ 6 months free Instacart+ ✦ $10 month-to-month GoPuff credit score (by means of 12/31/23) |
 60K after $4K spend in 3 months$550 Annual Payment Latest higher supply: Expired 12/1/22: 80K after $4K spend FM Mini Overview: Wonderful all-around card for frequent traveler. Greatest when paired with no-fee Chase Freedom Flex, no-fee Freedom Limitless & no-fee Chase Ink Money Incomes charge: 10X inns & automotive leases booked by means of Chase ✦ 10X Chase Eating ✦ 5X flights booked by means of Chase ✦ 3X Journey and Eating ✦ 10X Lyft (by means of March 2025) Card Data: Visa Infinite issued by Chase. This card has no international transaction charges. Noteworthy perks: $300 Annual Journey Credit score ✦ Factors value 1.5 cents every in the direction of journey ✦ Switch factors to airline & resort companions ✦ Main auto rental collision injury waiver ✦ Precedence Move Choose lounge entry ✦ $100 World Entry price credit score ✦ $5 month-to-month DoorDash in-app credit score by means of December 2024 ✦ Free DashPass by means of 2025 ✦ Earn 10X on Lyft spend✦ Free Lyft Pink All Entry Memberhsip by means of December 2024 ✦ $15 month-to-month Instacart credit score ✦ 12 months free Instacart+ ✦ $10 month-to-month GoPuff credit score (by means of 12/31/23) |
Chase Final Rewards Enterprise Playing cards
| Card Provide and Particulars |
|---|
|
None This card is now not obtainable$0 introductory annual price for the primary 12 months, then $95 Incomes charge: ✦ 5X workplace provides, 5X mobile/landline/cable ✦ 2X gasoline and inns ✦ 5X Lyft by means of March 2025 Card Sort: Visa Signature Enterprise Noteworthy perks: ✦ Factors value 25% extra when redeemed for journey ✦ Switch factors to airline & resort companions |
 90K after $6K spend in 3 monthsNo Annual Payment Alternate Provide: You probably have a family member with an Ink card, chances are you’ll want the referral supply whereby the referrer can earn 40,000 factors and the brand new account holder can earn 75,000 factors after $6,000 in purchases within the first 3 months since it’s going to yield extra complete factors. FM Mini Overview: This one must be in everybody’s pockets. Unimaginable signup bonus for a no-fee card. Nice card for 5X classes. Wonderful companion card to Sapphire Reserve, Sapphire Most well-liked, or Ink Enterprise Most well-liked. Incomes charge: 5X workplace provides ✦ 5X mobile/landline/cable (on as much as $25,000 in complete purchases in 5x classes yearly) ✦ 2X on the primary $25K in mixed purchases at gasoline stations and eating places every cardmember 12 months ✦ 5X Lyft by means of March 2025 Card Data: Visa Signature Enterprise issued by Chase. This card imposes international transaction charges. |
 100K after $8K spend in 3 months$95 Annual Payment Latest higher supply: 80K after $5K spend. Many most popular the 80K supply as a result of a lot decrease spend requirement FM Mini Overview: Nice card for signup bonus and 3X classes. Additionally take into account the fee-free Ink Enterprise Money for its 5X classes, and the fee-free Ink Enterprise Limitless to earn 1.5X in every single place. Incomes charge: 3X journey, delivery, web, cable, telephone, and promoting with social media websites (as much as $150K spend per 12 months) ✦ 5X Lyft by means of March 2025 Card Data: Visa Signature Enterprise issued by Chase. This card has no international transaction charges. Noteworthy perks: ✦ Factors value 25% extra when redeemed for journey ✦ Switch factors to airline & resort companions ✦ Mobile phone safety in opposition to theft or injury |
 90K after $6K spend in 3 monthsNo Annual Payment Alternate Provide: You probably have a family member with an Ink card, chances are you’ll want the referral supply whereby the referrer can earn 40,000 factors and the brand new account holder can earn 75,000 factors after $6,000 in purchases within the first 3 months since it’s going to yield extra complete factors. Latest higher supply: 90K after $6K in 3 months [Expired 3-20-23] FM Mini Overview: Nice signup bonus for a fee-free card. Good possibility for incomes 1.5X in every single place. Good companion card to Ink Enterprise Most well-liked, Sapphire Reserve or Sapphire Most well-liked. Incomes charge: 1.5X on all purchases ✦ 5X Lyft by means of by means of March 2025 Card Data: Visa Signature Enterprise issued by Chase. This card imposes international transaction charges. |
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