December 10, 2023

The card_name’s flat 1.5% money again on purchases earns a major quantity of rewards on on a regular basis bills that don’t often fall into bonus classes. Retailers like Costco, Goal, Amazon, and Walmart don’t all the time provide bonus spend for purchases. However with a money again card just like the card_name, you’re in a position to rack up a stunning variety of factors.  

Chase Freedom Limitless®

Credit score rating



3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply providers, 5% money again on journey bought by means of Chase Final Rewards®. Limitless 1.5% money again on all different purchases.

Welcome provide


The cardboard additionally presents 5x factors on journey booked by means of Chase Final Rewards, 3x factors on eating and drugstore purchases, and a intro_apr_rate,intro_apr_duration.  

TIME’s Take


The card_name is a stable flat-rate earnings card with annual_fee_disclaimer annual payment. Though the 1.5% money again doesn’t appear spectacular at first look, it turns into extra helpful when mixed with different rewards playing cards from Chase that may be redeemed for a far higher worth. 

This card is really useful for on a regular basis use, whether or not for physician copays or massive field retailer purchases. It may be a big earner for cardmembers who need to get essentially the most out of their on a regular basis spending.

Professionals and cons


  • 1.5% money again on all purchases
  • annual payment
  • 0% Intro APR on Purchases 15 months and 0% Intro APR on Steadiness Transfers 15 months
  • Further 5x money again on journey bought by means of the Final Rewards program, 3x on eating, and 3x on drugstore purchases
  • Additional 1.5% earned the primary yr as much as $20,000


  • 5% money advance and steadiness switch charges
  • 3% of every transaction in U.S. {dollars} overseas transaction payment
  • Solely accessible for cardholders with a very good credit score rating

Who’s the cardboard for? 

The card_name is for cardholders who need to enhance their earnings in on a regular basis spending classes. The 1.5% money again on the card_name earns a stunning variety of rewards at retailers who don’t often fall right into a bonus class. These embrace Amazon, Goal, and Costco purchases. 

The cardboard works nicely alongside different Chase playing cards, corresponding to card_name. Paired with a premium rewards card from Chase, you’ll be able to switch factors for journey redemptions which are way more helpful than a 1.5% money again redemption.   

For finest odds of approval, potential cardholders ought to have a very good credit score rating of 670 or above. 


Money again earnings for all the pieces

The card_name’s key characteristic is 1.5% money again on each buy. It’s just like what different money again playing cards are providing, however its relationship with the Final Rewards program could make it extra helpful. 

Elevated bonus classes

Along with the 1.5% money again on all the pieces, bonus classes for eating, drugstores, and journey bought by means of Chase Final Rewards herald extra rewards. Eating and drugstore purchases earn 3x factors and journey booked by means of the Chase Final Rewards portal earns 5x factors. 

Time to pay down debt

With the intro_apr_rate,intro_apr_duration, you’ll be able to switch a steadiness and work on paying down ugly debt. With a break from curiosity funds, you’ll have a little bit extra time to get your funds so as. 

The nice print

What rates of interest and which charges does the cardboard cost? Right here’s what you’ll discover within the nice print: 

Rates of interest

  • Common APR: reg_apr,reg_apr_type.
  • Intro APR: intro_apr_rate,intro_apr_duration and balance_transfer_intro_apr,balance_transfer_intro_duration.
  • Money advance APR: cash_advance_apr.
  • Penalty APR: 29.99%.


  • Annual payment: annual_fees.
  • Money advance payment: cash_advance_fee.
  • Steadiness switch payment: balance_transfer_fees.
  • Overseas transaction payment: foreign_transaction_fee.
  • Late fee payment: late_payment_fee.
  • Returned fee payment: $40.

Further hidden perks

The card_name money again card has quite a lot of extra perks that consumers and vacationers will discover helpful. They embrace:

  • Buy safety: New purchases are insured towards theft or harm as much as 120 days,$500 per declare, and $50,000 per account.
  • Prolonged guarantee safety: One yr is added to the producer’s guarantee when bought with the cardboard. 
  • Fraud monitoring and legal responsibility safety: Chase actively screens for fraud and sends an alert if they think fraudulent fees.  
  • Auto rental collision harm waiver: While you pay for a rental automobile with the cardboard, you’re insured with theft and collision protection. 
  • Journey cancellation and interruption protection: Cardholders are eligible for as much as $1,500 reimbursement per particular person for lined occasions. 
  • Journey and emergency help providers: Chase has a advantages administrator you’ll be able to name for those who want help with emergency conditions away from house. 
  • Free credit score rating:  You will have entry to your credit score rating everytime you need to see it. 

What could possibly be improved 

In a number of methods, the card_name isn’t an thrilling card. There are different playing cards with money again earnings greater than 1.5%. Moreover, utilizing this card overseas will end in costly overseas transaction charges. It’s additionally restricted to cardmembers with good credit score, so for those who need assistance constructing credit score, it’s seemingly not going to be with this card.

Card alternate options

Backside line

There’s not a number of draw back to the card_name. It earns a powerful variety of rewards and doesn’t cost an annual payment. When combining the money again earnings from this card with a premium rewards bank card for excellent journey redemptions, there’s even higher worth. 

The cardboard’s drawbacks are typical of different playing cards—the APR is basically excessive, as are the money advance payment, steadiness switch payment, penalty APR, and overseas transaction payment. 

If you have already got a premium rewards card with Chase or want a stable on a regular basis earner, you’ll positively need to think about including a Freedom Limitless to maximise your money again or Final Rewards earnings. 

Chase Freedom Limitless®

Credit score rating



3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply providers, 5% money again on journey bought by means of Chase Final Rewards®. **Limitless** 1.5% money again on all different purchases.

Welcome provide


Regularly requested questions (FAQs)

How do I get accepted for card_name?

Larger credit score scores enhance your odds of approval for the card_name, as does an applicable credit score utilization ratio. Chase additionally recommends opening a checking account or signing up for direct deposit to assist your possibilities of approval.

Why did I get denied for the card_name?

Should you have been denied the card_name due to detrimental data in your credit score file, you’ll obtain a letter within the mail explaining the explanation. 

What counts as journey for the card_name?

To qualify for the bonus rewards on the card_name, you need to buy journey by means of the Chase Final Rewards journey portal. 

Can I switch card_name factors to journey companions? 

card_name factors don’t switch to journey companions until you’re in a position to switch factors to a different Chase premium journey card that does provide Final Rewards.

The knowledge offered right here is created independently from the TIME editorial employees. To be taught extra, see our About web page.