Chase’s array of private bank card merchandise ranges from the ultra-premium Chase Sapphire Reserve® to the cash-back playing cards, which do not cost annual charges. With so many choices, choosing the right card may be troublesome for those who aren’t positive what you need.
Due to Chase’s 5/24 rule (which implies that you could possibly robotically be rejected for many Chase playing cards for those who’ve opened 5 or extra playing cards within the final 24 months), it is vital to have a transparent technique about which Chase playing cards you need to add to your pockets.
In the present day, we’re two of Chase’s no-annual-fee bank cards — the Chase Freedom Flex® and Chase Freedom Limitless®.
By themselves, each earn factors that may solely be redeemed as money again at 1 cent per level. Nevertheless, you’ll be able to pair both card with a extra premium Chase Final Rewards card, such because the Chase Sapphire Most popular® Card, to show these factors into full-fledged Final Rewards factors. Then, you’ll be able to redeem the factors via Chase Journey℠ or switch them to companions.
Let’s overview every card’s particulars to see which makes extra sense for you.
Chase Freedom Flex vs. Chase Freedom Limitless comparability
| Card | Chase Freedom Flex | Chase Freedom Limitless |
|---|---|---|
| Annual charge | None | None |
| Signal-up bonus | Earn $200 money again after spending $500 on purchases within the first three months from account opening | For a restricted time, cardholders can earn $250 money again after spending $500 on purchases within the first three months from account opening |
| Incomes fee |
|
|
| Advantages |
|
|
| Redemption choices | Redeem factors as money again, or switch them to Final Rewards factors for those who additionally maintain a premium Chase card | Redeem factors as money again, or switch them to Final Rewards factors for those who additionally maintain a premium Chase card |
Chase Freedom Flex vs. Chase Freedom Limitless welcome bonus
Proper now, new Chase Freedom Limitless cardholders can earn $250 money again after spending $500 within the first three months. At face worth, this bonus is price $250; nevertheless, for those who additionally maintain a premium Chase card, it may be price $513, in accordance with TPG’s March 2025 valuations.
Winner: Freedom Limitless. The higher worth of its welcome supply provides this card an edge over the Freedom Flex.
Chase Freedom Flex vs. Chase Freedom Limitless advantages
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Nevertheless, the place the 2 playing cards differ is the advantage of cellphone safety with the Freedom Flex, which is a Mastercard, not a Visa. Cardmembers can stand up to $800 per declare and $1,000 per yr (most of two claims in a 12-month interval with a $50 deductible per declare).
Whereas there aren’t too many earth-shattering variations, Mastercard’s cellphone safety is the large — and extremely fascinating — perk between the 2.
Winner: Freedom Flex’s cellphone safety profit is helpful to cardholders in case of injury or theft.
Associated: The most effective playing cards for journey cancellation and interruption insurance coverage — and what it really covers
Incomes money again with the Chase Freedom Flex vs. Chase Freedom Limitless
These bank cards are cash-back-earning playing cards. They each supply 5% money on journey booked via Chase Journey℠, 3% money again on eating (together with takeout and eligible supply companies) and three% money again at drugstores.
The place they diverge is that whereas the Freedom Limitless has a flat 1.5% incomes fee on all non-bonus spending (in comparison with simply 1% with the Freedom Flex), the Freedom Flex presents 5% money again on as much as $1,500 in rotating quarterly bonus classes, which embody a wide range of totally different retailers and service provider sorts all year long.
The Freedom Limitless is the better possibility, whereas the Freedom Flex requires you to activate the bonus classes each quarter.
Winner: Tie. It depends upon whether or not you need to work to maintain up with quarterly rotating bonus classes with the Freedom Flex or go for a easy flat fee with the Freedom Limitless.
Associated: The most effective Chase bank cards
Redeeming money again with the Chase Freedom Flex vs. Chase Freedom Limitless
Redeeming your hard-earned money again with both bank card is kind of easy. The standard choices are to redeem for assertion credit score or direct deposit into most U.S. checking and financial savings accounts. As well as, you’ll be able to redeem the worth of your money again as present playing cards to over 175 manufacturers supplied by Chase.
“Store via Chase” is another choice the place factors may be utilized instantly for purchases on Chase’s accomplice web sites, comparable to Amazon.com. You can too guide journey via the Chase Journey℠ Portal to cowl airfare, lodge stays, and rental vehicles by paying completely with factors or a mix of factors and money. In these situations, you redeem at one cent per level.
Winner: Tie
Associated: The whole information to Chase Final Rewards
Transferring money again with the Chase Freedom Flex vs. Chase Freedom Limitless
A greater technique to redeem your money again from both Freedom Flex or Freedom Limitless is to switch it to one among Chase’s premium journey playing cards, profiting from the Chase Trifecta.
These playing cards embody the Chase Sapphire Most popular Card, Ink Enterprise Most popular® Credit score Card, and the Chase Sapphire Reserve. If you switch your factors to the Sapphire Most popular or Ink Enterprise Most popular to redeem journey via Chase Journey℠, the worth of your factors will increase by 25%. Being a cardholder of the Sapphire Reserve provides you a 50% improve once you switch your factors to that card and redeem them for journey.
You possibly can switch these mixed factors from one of many three playing cards to any of Chase’s 14 switch companions for much more worth. The worth you’ll be able to acquire out of your factors when transferring to journey companions is limitless.
Late final yr, I used to be capable of safe a one-way business-class ticket from Los Angeles to Paris by reserving via Air France-KLM Flying Blue for 50,000 factors, giving me a redemption fee of over 7 cents per level.
Winner: Tie
Associated: The right way to redeem Chase Final Rewards factors for max worth
Ought to I get the Chase Freedom Flex vs. Chase Freedom Limitless?
Resulting from its rotating bonus classes, the Freedom Flex is extra helpful in case your spending habits change all year long. Cellphone safety can be a novel perk. Conversely, the Freedom Limitless is good for individuals who choose simplicity and need assured rewards with out the necessity to monitor or activate bonus classes, making it an excellent alternative for inexperienced persons.
The right way to change from the Chase Freedom FLex to Chase Freedom Limitless?
When switching from one card to a different, you forgo incomes the welcome bonus on the cardboard. This is a vital side to remember, as you will miss out on a bit of money again rewards.
Backside line
They’ll additionally enable you construct a powerful relationship with Chase whereas incomes helpful rewards — however resist the temptation to redeem them for money again till you get a Sapphire card later. Even for those who’re a extra superior award traveler, you may get numerous worth from these playing cards.
To study extra, learn our full critiques of the Freedom Limitless and Freedom Flex.
Apply right here: Chase Freedom Limitless
Apply right here: Chase Freedom Flex
