June 25, 2024

The card_name’s flat 1.5% money again on purchases earns a big 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 supply 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 companies, 5% money again on journey bought by way of Chase Final Rewards®. Limitless 1.5% money again on all different purchases.

Welcome supply


The cardboard additionally provides 5x factors on journey booked by way 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 advisable for on a regular basis use, whether or not for physician copays or large 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.

Execs and cons


  • 1.5% money again on all purchases
  • annual payment
  • 0% Intro APR on Purchases 15 months and 0% Intro APR on Stability Transfers 15 months
  • Extra 5x money again on journey bought by way 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} international transaction payment
  • Solely obtainable 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 embody Amazon, Goal, and Costco purchases. 

The cardboard works nicely alongside different Chase playing cards, equivalent to card_name. Paired with a premium rewards card from Chase, you’ll be able to switch factors for journey redemptions which might be rather 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 every part

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 every part, bonus classes for eating, drugstores, and journey bought by way of Chase Final Rewards usher in extra rewards. Eating and drugstore purchases earn 3x factors and journey booked by way 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 bit extra time to get your funds so as. 

The high-quality print

What rates of interest and which charges does the cardboard cost? Right here’s what you’ll discover within the high-quality 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.
  • Stability switch payment: balance_transfer_fees.
  • Overseas transaction payment: foreign_transaction_fee.
  • Late fee payment: late_payment_fee.
  • Returned fee payment: $40.

Extra hidden perks

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

  • Buy safety: New purchases are insured in opposition to theft or injury 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 displays for fraud and sends an alert if they believe fraudulent costs.  
  • Auto rental collision injury waiver: If 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 individual for lined occasions. 
  • Journey and emergency help companies: Chase has a advantages administrator you’ll be able to name if you happen to want help with emergency conditions away from dwelling. 
  • Free credit score rating:  You’ve gotten entry to your credit score rating everytime you need to see it. 

What might be improved 

In a whole lot 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 lead to costly international transaction charges. It’s additionally restricted to cardmembers with good credit score, so if you happen to need assistance constructing credit score, it’s doubtless not going to be with this card.

Card options

Backside line

There’s not a whole lot 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 nice journey redemptions, there’s even higher worth. 

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

If you have already got a premium rewards card with Chase or want a stable on a regular basis earner, you’ll undoubtedly need to take into account 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 companies, 5% money again on journey bought by way of Chase Final Rewards®. **Limitless** 1.5% money again on all different purchases.

Welcome supply


Ceaselessly requested questions (FAQs)

How do I get accepted for card_name?

Greater 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 probabilities of approval.

Why did I get denied for the card_name?

For those who have been denied the card_name due to unfavourable 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 could buy journey by way 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 except you’re in a position to switch factors to a different Chase premium journey card that does supply Final Rewards.

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