Key takeaways
- The Chase Freedom Limitless® presents a wide range of rewards alternatives, together with 5 % money again on journey, 3 % on eating and drugstore purchases and 1.5 % on all different purchases.
- Along with money again rewards, the cardboard additionally options an intro APR supply, journey advantages and buy safety.
- Freedom Limitless might be paired with different Chase Final Rewards playing cards to maximise rewards and switch factors to journey companions for added worth.
The Chase Freedom Limitless® is without doubt one of the high no-annual-fee money again bank cards in the marketplace right this moment — and for good causes. It began out as a flat-rate money again bank card providing 1.5 % money again on every buy, however right this moment, with the addition of boosted rewards classes, you’ll be able to earn as a lot as 5 % money again on sure purchases.
The perks don’t cease at incomes money again rewards. Learn on to find out about all the cardboard’s advantages.
Chase Freedom Limitless rewards and sign-up bonus
The Chase Freedom Limitless presents:
- 5 % money again on journey bought by means of Chase Journey
- 3 % again on eating and drugstore purchases
- 2 % again on Lyft purchases (by means of Sept. 30, 2027)
- 1.5 % money again on all non-category purchases
The welcome bonus can increase incomes much more. New cardholders can earn a $250 bonus after spending $500 within the first three months.
Importantly, though the Chase Freedom Limitless is marketed as a money again bank card, it technically earns Final Rewards factors. For instance, the $250 welcome bonus is awarded as 25,000 Final Rewards factors that may be redeemed at a 1:1 ratio for money again or, for optimum worth, mixed with Final Rewards you earn with a premium Chase card.
Chase Freedom Limitless intro APR advantages
The Freedom Limitless is an particularly sensible choice for financing a big buy or paying off present bank card debt with out paying extra cash in curiosity.
It presents an introductory 0 % annual proportion price (APR) for 15 months on purchases and steadiness transfers, adopted by a 18.99% – 28.49% Variable APR. Whereas this isn’t the longest zero-interest supply in the marketplace, the cardboard’s strong rewards charges and added perks will proceed to carry you worth lengthy after your debt or buy is paid off, which earns this card a spot among the many finest steadiness switch playing cards.
There’s a steadiness switch charge if you happen to go the debt payoff route: Both $5 or 3% of the quantity of every switch, whichever is larger within the first 60 days.
Chase Freedom Limitless journey advantages
The market is stuffed with luxurious rewards playing cards for journey fans, and whereas the Freedom Limitless isn’t fairly geared towards premium journey perks there’s nonetheless loads to love for many who take the occasional journey. The cardboard’s journey advantages embrace:
Auto rental insurance coverage
For those who’re renting a automotive, you will get rental automotive insurance coverage towards theft or collision injury if you happen to pay along with your card. This protection is secondary to your individual automotive insurance coverage, so if you happen to want it, you’ll have to file a declare with your individual automotive insurance coverage first.
Journey cancellation and interruption insurance coverage
One other good perk is journey cancellation and interruption insurance coverage. With this profit, in case your journey is canceled or lower quick since you bought sick or caught in a snowstorm, for instance, you might be reimbursed for as much as $1,500 per individual (max of 4 folks) and $6,000 per journey towards fares and tickets you’ve already paid.
Journey and emergency help companies
Ever run into an issue when you’re touring or commuting? You may name Chase’s Profit Administrator for emergency assist, in addition to for medical and authorized referrals. Notice, you’ll have to pay for the prices of those companies, however entry to assist is free.
Chase Freedom Limitless buy and fraud advantages
It’s irritating to have an costly buy break or get stolen not lengthy after to procure it. Fortunately, the Freedom Limitless presents buy safety and prolonged guarantee safety, each of which may also help you get better from these kinds of unlucky occasions. Additional, you’ll keep protected towards fraud with Chase’s zero legal responsibility fraud safety.
Buy safety
In case your buy is stolen or broken inside 120 days of shopping for it, you might be reimbursed for as much as $500 per declare ($50,000 per account) with Chase’s buy safety perk.
Prolonged guarantee safety
In case your buy had a guaranty with it, you may be eligible for an prolonged guarantee by means of Chase. This one’s a bit tough, although, because it solely applies to U.S. producers’ warranties of three years or much less. But when your merchandise is eligible, Chase provides you with a further 12 months of guarantee on that merchandise.
For instance, if you happen to used your card to purchase a $300 Fitbit that initially got here with a one-year guarantee and it dies after 18 months, you could possibly get reimbursed with Chase’s prolonged guarantee profit.
Zero legal responsibility safety
If any unauthorized purchases are made along with your Freedom Limitless card or account info, Chase received’t maintain you accountable.
Chase Freedom Limitless leisure advantages
For those who’re a foodie — whether or not you take pleasure in ordering takeout or getting groceries delivered for a particular dinner at house — you should definitely benefit from these Freedom Limitless perks:
Free DashPass membership
With the Freedom Limitless, you’ll get a complimentary six-month DoorDash DashPass membership, after which you’ll be routinely enrolled on the present month-to-month price if you happen to don’t cancel. This membership will get you entry to limitless deliveries with a $0 supply charge on orders over $12 together with lowered service charges, however you’ll have to activate the perk by Dec. 31, 2027.
Maximizing your Chase Freedom Limitless advantages
There’s loads to like in the case of the Chase Freedom Limitless, and it could actually carry you much more worth if you happen to pair it with a premium Chase bank card.
Top-of-the-line methods to spice up your rewards is to pair Freedom Limitless with one other card within the Chase Final Rewards product suite, as a result of you’ll be able to switch your factors between Chase playing cards.
For instance, your factors are value 25 % extra with the Chase Sapphire Most well-liked® Card once you redeem for journey by means of Chase JourneySM and a whopping 50 % extra towards journey within the portal with Chase Sapphire Reserve®.
For the very best worth, you’ll need to switch your factors to a journey companion. In response to Bankrate’s newest valuations, Chase Final Rewards are value about 2.0 cents every when transferred to a high-value Chase journey companion. You may solely switch your Freedom Limitless factors, although, if you happen to additionally maintain a premium Chase card, equivalent to one of many Sapphires or the Ink Enterprise Most well-liked® Credit score Card. Mix your Freedom Limitless factors beneath a type of playing cards to pursue essentially the most redemption worth. Simply bear in mind, the premium playing cards include annual charges, so that you’ll have to determine if holding one is definitely worth the elevated redemption worth.
Moreover, boosted rewards from the welcome bonus will also be fairly helpful to you, particularly because it strains up with the intro APR supply on purchases. You may earn rewards on massive purchases and benefit from the intro APR interval to repay your steadiness interest-free for the primary 15 months (18.99% – 28.49% Variable APR thereafter).
The intro APR applies to steadiness transfers, too, however you received’t earn rewards on steadiness transfers.
The underside line
Whereas it’s among the finest money again playing cards in the marketplace, Chase Freedom Limitless’s advantages could also be sufficient to pique the curiosity of occasional vacationers, too — particularly if you happen to already personal (or need to personal) a Chase Sapphire journey card. And if you happen to’re hoping to finance a big buy which you could repay inside a low-interest introductory interval, repay present bank card debt or benefit from extra journey and buy protections, even higher.
Both manner, so long as you pay your payments responsibly and on time, Chase Freedom Limitless may also help you attain your monetary objectives.
