The Chase Freedom Limitless (see charges and charges) is a good newbie bank card. It earns no less than 1.5% money again on all purchases, which means it may well nonetheless present worth to your pockets even after you’ve got opened quite a few different playing cards.
Due to its flexibility, it may well work effectively in tandem with many bank cards, even these not issued by Chase. Listed below are a few of my favourite selections for playing cards to pair with the Freedom Limitless.
Unlock the Freedom Limitless’s full potential
By itself, the Freedom Limitless is a robust card, however if you wish to actually maximize it, you will have to companion it with considered one of Chase’s higher-tier choices:
By combining the rewards you earn on the Freedom Limitless with these you earn on one of many playing cards I simply talked about, you can switch them to Chase’s 13 companions for optimum worth.
The Sapphire Most popular and Sapphire Reserve are doubtless the very best selections for most individuals, since they provide compelling advantages that justify their annual charges with out the necessity for a separate aspect hustle or enterprise.
Here is a fast breakdown of what these playing cards supply.
Chase Sapphire Most popular
The Sapphire Most popular simply makes up for its $95 annual price with its easy checklist of advantages, offered you need to use them organically.
That is the cardboard I exploit to energy up my very own Freedom Limitless. I spend on my Sapphire Most popular to earn bonus rewards on eating, choose journey and on-line groceries (excluding Walmart and Goal), whereas my Freedom Limitless is helpful for basic purchases that are not lined by bonus classes.
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I additionally make the most of my Sapphire Most popular’s complimentary DoorDash DashPass membership (activate by Dec. 31, 2027) to make up for greater than my card’s annual price. A DashPass membership prices $9.99 monthly, or $96 for the annual plan, which means I come out within the inexperienced annually.
Then, after I’m able to redeem my factors for journey, I mix the entire rewards I’ve earned and ship them off.
To be taught extra, take a look at our full overview of the Sapphire Most popular.
Apply right here: Chase Sapphire Most popular
Chase Sapphire Reserve
In the event you really feel prepared for a premium journey card, the Sapphire Reserve might make extra sense for you than the Sapphire Most popular.
In case your present spending habits are a very good match for the Sapphire Reserve’s advantages, I like to recommend pairing it with the Freedom Limitless. Use your Sapphire Reserve for purchases that earn inside its bonus classes or set off a press release credit score, and your Freedom Limitless for different purchases.
Whereas it boasts a hefty $795 annual price, it options an interesting array of advantages to assist cardholders justify that, together with:
Entry to Chase’s Sapphire loungesPriority Go lounge membershipUp to $500 annually in assertion credit for luxurious lodge bookings made with The EditHighly versatile $300 journey creditUp to $300 in assertion credit annually for eating purchases made by way of Sapphire Unique Tables on OpenTableUp to $300 in assertion credit for StubHub and Viagogo purchases (via Dec. 31, 2027; activation required)
To be taught extra, take a look at our full overview of the Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Complement the Freedom Limitless with the Freedom Flex
The very first duo I took benefit of in my pockets was the Freedom Limitless and the Chase Freedom Flex® (see charges and charges).
In the event you do not feel able to pay an annual price with a view to give your Freedom Limitless a lift, this can be a nice possibility. The Freedom Flex’s declare to fame is its rotating quarterly classes. Cardholders can earn 5% money again on these classes every quarter they activate (on as much as $1,500 in mixed spending, then 1% again).
Chase typically options standard spending classes on the Freedom Flex, together with at gasoline stations and gymnasiums and with PayPal. This profit expands your means to earn vital rewards past the Freedom Limitless’s classes for eating and drugstores.
Simply understand that you will nonetheless want the Sapphire Most popular, Sapphire Reserve or one other eligible Chase Final Rewards points-earning card to switch your rewards to journey companions.
To be taught extra, take a look at our full overview of the Freedom Flex.
Apply right here: Chase Freedom Flex
Open your pockets to different issuers
The Freedom Limitless is a good gateway into Chase, however I at all times suggest diversifying your pockets with playing cards from different issuers as effectively. Fortunately, the Freedom Limitless is simple to pair with most playing cards from different banks. Listed below are two of my favourite suggestions.
American Categorical Gold
My first foray after opening Chase playing cards was into American Categorical with the American Categorical® Gold Card. Whereas the Freedom Limitless earns 3% money again on eating, the Amex Gold presents a stronger 4 factors per greenback spent charge (on as much as $50,000 of eating purchases worldwide every calendar 12 months, then 1 level per greenback spent).
The Freedom Limitless does not supply a bonus class for groceries, so the Amex Gold can lend a serving to hand. The Amex Gold earns 4 factors per greenback spent on U.S. supermarkets (on as much as $25,000 of spending every calendar 12 months, then 1 level per greenback spent).
Understand that the Amex Gold carries a $325 annual price (see charges and charges), but it surely presents assertion credit to greater than make up for that. Among the finest of those presents as much as $50 biannually for purchases made at Resy-affiliated U.S. eating places. (Enrollment is required.)
To be taught extra, take a look at our full overview of the Amex Gold.
Apply right here: American Categorical Gold Card
Capital One Enterprise Rewards
Whereas the opposite playing cards I’ve really useful lean on the Freedom Limitless’s 1.5% money again charge to complement their bonus classes, the script is flipped with this pairing.
The Enterprise Rewards earns no less than 2 miles per greenback spent on purchases, which is best than what the Freedom Limitless presents. Because the Enterprise Rewards lacks bonus classes for eating and drugstores, the Freedom Limitless can complement with its 3% money again charges in each classes.
The Enterprise Rewards has a $95 annual price, the identical because the Chase Sapphire Most popular. Deciding between the Sapphire Most popular and the Enterprise Rewards comes all the way down to which issuer’s switch companions you prefer.
Keep in mind: With out the Sapphire Most popular (or one other eligible Chase card), you will not be capable of switch your Freedom Limitless’s rewards to Chase’s journey companions.
To be taught extra, take a look at our full overview of the Enterprise Rewards.
Be taught extra: Capital One Enterprise Rewards
Backside line
I repeatedly use my very own Freedom Limitless with my Sapphire Most popular and Amex Gold to get probably the most factors from my spending. This fashion, I will transfer extra shortly towards my private journey objectives.
The Freedom Limitless is at its finest when paired with the proper card. Whether or not you determine to open one or a number of of the playing cards talked about on this information, you will be effectively in your method to getting probably the most out of your Freedom Limitless.
Associated: The ability of the Chase Trifecta: Maximize your earnings with 3 playing cards
For charges and charges of the Amex Gold, please click on right here.
