Chase Freedom®

Required Credit Score:
Excellent
2,076 reviews   Write a Review
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Chase Freedom®’s Rewards

Bonus
$150
Base Earn
1 %
Max Earn
5 %
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Unlimited 1% cash back on all other purchases – it’s automatic
  • Enjoy new 5% categories every 3 months like gas stations, restaurants, and wholesale clubs
  • Cash Back rewards do not expire as long as your account is open

Chase Freedom®’s Key APRs & Fees

Purchase Intro APR
0% for 15 months
Transfer Intro APR
0% for 15 months
Regular APR
14.24% - 23.24% (V)
  • ANNUAL FEE $0
  • BALANCE TRANSFER
    FEE
    5% (min $5)

Chase Freedom®’s Additional Info

  • MAX LATE FEE   See Terms
  • MAX OVERLIMIT
    FEE  
    See Terms
  • MAX PENALTY APR   None
  • GRACE PERIOD   See Terms
  • ONLINE RESPONSE   No
  • CASH ADVANCE
    RATE
    25.24% (V)
  • CASH ADVANCE
    FEE
    Either $10 or 5% of the amount of each transaction, whichever is greater
  • FOREIGN
    TRANSACTION FEE  
    3% of each transaction in U.S. dollars
  • SMART CHIP   Yes, chip-and-signature
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No Annual Fee
Apply Now
at Chase’s
secure site

Customer Questions and Answers

Don't see what you're looking for? Submit your question about Chase Freedom® to our community.

What is the minimum payment?
Reply

Photo of Card H.
Jan 6, 2016
Generally, the minimum payment is the greater of $25 or 1% of your revolving balance, plus interest and fees. If your balance is less than $25, your minimum payment will be equal to your balance. Your specific minimum payment should be listed on your monthly bill, and you can also find out what it is by calling Chase customer service at: 800-432-3117. Hope that helps!
30 Votes 31 1

No matter how much I spend, I never get any points - which means no cash back rewards at all. What is the issue?
Reply

Photo of Card H.
Jan 19, 2016
You should call Chase customer service at 1-800-432-3117. They should be able to unblock whatever was preventing your points from accumulating and might even be able to back credit your account.
25 Votes 29 4

Is there a balance transfer fee?
Reply

Photo of Card H.
Dec 10, 2015
Yes, this card has a balance transfer fee of 3% (min $5). If reducing the cost of existing debt is your top priority, you might want to consider another Chase credit card. The Slate Card from Chase offers a 0% introductory rate on transferred balances for the first 15 months and doesn’t charge either a balance transfer fee or an annual fee. Our reviews of Freedom ( cardhub.com/edu/chase-freedom-review/ ) and Slate ( cardhub.com/edu/chase-slate-review/ ) should help you decide. Good luck, and please let us know if you have any other questions!
17 Votes 19 2
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Customer Reviews

Share your insights and review the Chase Freedom®.

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3.8 out of 5

2,076 reviews
32%
35%
21%
8%
4%
Photo of Card H.
Sep 25, 2015
The Chase Freedom Card has a lot of curb appeal, thanks to its 0% APR for 15 months, $100 initial bonus, lack of an annual fee and 5% maximum earning rate. And it’s thus clear why the card has become so popular. We’re just not big fans of rotating rewards categories or points marketed as cash back – especially when the competition among rewards credit cards for people with excellent credit is so tough. So, while applying for Chase Freedom is by no means a bad move if you pay your bill in full every month, those looking for a bit more simplicity and predictability from their rewards might be more
Photo of Gary R.
Jun 25, 2016
I already for 20 yrs plus have been using chase visa credit card. They're okay but today, I got inconsistent information from yesterday and today. So I don't have to go looking for the best credit card services, maybe somebody can tip me off. I have excellent credit. I want to change my primary credit card. When I have the time, I will. Chase customer service and fraud operations wasted too much of me and my golden retriever's time 2 days consecutive. I don't have that kind of time to listen to BS.
DISCREPANCIES, inconsistencies. ...
Photo of Greg M.
May 18, 2016
They give me a high spending limit and it really comes in handy when I have to pay some bigger bills. The rewards are not always relevant to me but when it is the right quarter for benefits this can be a very useful card. I haven't had any problems with customer service and I will continue to use this card.
Photo of Pref E.
Apr 12, 2016
I got a Chase freedom card because I have been using the Chase bank for a few years now, and they are really easy to use. i get notifications when I have a low account balance, and I can withdraw a lot of money at one time. They pay my bills for me when I need them to, and I also do not have to worry about a whole lot of unnecessary fees or annual costs. The main thing that I do not like is that if my account goes into the negative and I do not pay it on the same day, I will be charged a late fee more
Photo of Justin M.
Apr 9, 2016
Nice sign up bonus and great ongoing rewards. Nothing bad about this card when used properly.
Photo of Eric
Mar 17, 2016
This credit card was my first credit card which I applied for in my life. I originally applied for it to start building credit at a young age and have had it for many years. I was approved for a generous limit initially that has since went up and would definitely recommend it to anybody looking to get their feet wet. Chase customer service is superb. I have lost my card and also had fraudulent charges placed on my account due to losing my information buying things on the internet and Chase was very quick to replace my card and freeze my account while they took care of the fraud more
Photo of Nicole
Mar 4, 2016
I got this card because they were having a special bonus deal where you earn $200 back after you spend $500 in the first 3 months. Who doesn't want to be given $200 extra bucks?? I love the fact that I got to go 15 months without getting charged any APR, it seems like most credit cards only give you a year, so those three extra months was nice. They don't charge an annual fee, which is great. The only thing I can think of that could improve is giving more bonus categories that can earn you more money back. I've never had to use customer service for this card, more
Photo of Cass
Mar 1, 2016
I've had a great experience with Chase Freedom. I'm a frequent shopper and the cash back bonuses I can accrue are wonderful. They occasionally have higher cashback days/months, or with specific sites and many of them have been ones I already use. I find that its fees are easier to handle than with other cards I've used. Overall, I love the service and would recommended it to others seeking a credit card.
Photo of Humner8080
Feb 28, 2016
The Chase Freedom credit card is one of the best cards out there in terms of rewards. Not only do you earn 1% cash back on ALL of your purchases, but there are also specific categories you can earn all the way up to 5% back on. The increased percentages are on purchase categories that are staples like groceries and gas so it's not some obscure things that have no practical use and just sound good to say. I've never seen another credit card that offers 5% cash back on ANYTHING! 5% back is really good, almost like an investment sort of. You are also eligible for some huge benefits more
Photo of Frank T.
Feb 25, 2016
A bit over 3 years using my Chase Freedom card, and the bonus's/reward's have all been very pleasing and lived up to my initial expectations when choosing this credit card! The rate has stayed steady and acceptable, and the online services provided, really simplify everything, and create one less frustration for me to deal with every month!!
Photo of ralphie845
Feb 24, 2016
I got this card because I was just in the process of doing a balance transfer from a high interest Discover card. Absolutely no regrets! This card had a very easy and a very cheap transfer fee and it also provided some cool incentives with it's cashback rewards program. I also received the card very quickly after filling out the painless application. I've had the card for a couple of years now and it's still one of my go to cards!
Photo of Thanos C.
Feb 22, 2016
Chase is usually a great company to do business with and this card proves that. Fees are low, and they gave me a nice bonus for signing up. I feel like the APR can be found better on some other cards, but I'm happy because of the customer service Chase provides and they don't seem to be hiding anything ever. Great service overall!
Photo of Tanzina A.
Feb 21, 2016
I got it automatically after being a member of Chase for almost 4 years. I like the card because although its simple, it gives decent rewards. I get 1% back automatically and every few months, it will give me 5% back based on changing categories. Best is when I get 5% back on Amazon, as I use Amazon.com constantly! They also raised my credit limit by $1,500 a few years back, which really helped me out a lot. Customer service is good and they caught thieves using my card before, refunded my money, and gave me a new card without me even realizing what happened! It's a good, basic card. more
Photo of Princess
Feb 21, 2016
I have enjoyed this card from the very start of getting it. I've had it for four years and I use it sparingly now, but it used to be my daily card. The feature that most impresses me about the card are the bonuses. I really enjoyed the $500 bonus after the first three months of using the card. It really came in handy with my spending. This card is excepted virtually anywhere. I traveled with this card to many states and never had a problem. I would definitely recommend it to friends and family. Not only did I recommend it but I also added a family member for the more
Photo of Happymouth
Feb 18, 2016
I started with the Chase Freedom card as it was recommended to me from my bank. It has a lot of advantages including 1% cash back on every single purchase. It also has multiple ways to earn higher cash back and bonuses with money spent. It has no annual fee and has smart chip technology making me feel more secure about my credit. I would definitely recommend this card to others. I've only had to deal with the customer service department once or twice but I remember their service being adequate. Not exceptional but nowhere near lacking either.
Photo of Frank T.
Feb 15, 2016
A bit over 3 years using my Chase Freedom card, and the bonus's/reward's have all been very pleasing and lived up to my initial expectations when choosing this credit card! The rate has stayed steady and acceptable, and the online services provided, really simplify everything, and create one less frustration for me to deal with every month!!
Photo of jonny21
Feb 12, 2016
The Chase Freedom card is great. I've had this credit card for several years and I never had an issue yet. The customer service is good. The credit card provides great bonus points where you can earn points on every dollar you spend. Then you can use these points to get a gift card to Amazon or any other store. If you do not want a gift card, you can choose to get money deposited into your bank account. It's really nice because it's like bonus money. Also, every few months they have special categories where you can earn extra points depending on where you shop. It's really nice. The more
Photo of Babygirl1901
Feb 11, 2016
The reason why I decided to get a Chase Freedom credit card was because of my dad. He has a Chase Business card for his business and he said they are a really great card. I really like the fact that this card has bonus incentives and also the APR is 0% for the first 15 months. It is hard to find a card like this nowadays. I think the only thing I would improve on is the cash advance fee. I realize that it is 5%, but when you need cash in a hurry it really seems to add up. I am very impressed with Chase customer service. They more
Photo of Laura L.
Feb 10, 2016
Have had a great experience with this credit card. Got a nice sign up bonus after spending over $500. Fees are not high, interest wasnt crazy. I have had bad experiences with a lot of cards but havent discovered any sneakiness with this card
Photo of Perfect C.
Feb 10, 2016
This was the first credit card I ever signed up for, and I feel it was a perfect first choice. This is a fantastic cash back rewards card. This card offers 1% cash back for every purchase made on the card, no matter what. However, there are also categories that qualify for 5% cash back that change every quarter, and these categories are usually something very general that just about everyone qualifies for, such as gas, Amazon, grocery shopping, or Starbucks. Cashing in rewards is easy, too. Every 100 points is worth $1, and you can cash out to a bank account of your choice or receive a check in the mail.
Photo of cfl
Feb 5, 2016
I just got it because I needed a credit card, it's been so long I can't really remember more. They do have some cash back offers which are good. Overall I'm not pleased though because the rate is so high (29.9%.) After having the card for years, I called them with a credit score of 810 and minimal balance, and they refused to lower the interest rate. To me this is an example of how credit card companies take advantage of consumers. Other than this, I haven't had any specific problems with it.
Photo of Melissa
Jan 30, 2016
I initially got the card because Chase was doing a promotion that I would get a $300 credit if I spent $1000 in 3 months. This seemed like an absolute deal since its essentially $300 for free. Now that I've used it for the past 3 years, I would love to see the quarterly 5% cash back items stay on more useful topics (i.e. restaurants and grocery stores). When I get 5% cash back only at stores I don't shop at, I feel jipped and look towards my other cards instead. Overall, I would definitely recommend this card to my friends. The occasional 5% is great and the 1% cash more
Photo of UKWildcatsFan
Jan 27, 2016
I'm actually a pretty big fan of rewards cards now. Being able to actually have one in my name is a reward in and of itself, for completing the process of pulling myself out of a deep credit hole. I chose the Chase Freedom card after a lot of deliberation and found that it offered the best array of rewards and, as someone who uses my credit card to build my credit more than to buy things I can't afford, I found myself enjoying my bonuses rather rapidly and the cash back options kind of pour in as a result. I've never really had any trouble using the card, paying more
Photo of Monica R.
Jan 11, 2016
Have been a Chase customer for decades and I charged a fortune on the Freedom card and always paid my bill down to zero. However they refused to work with me on a $161 interest charge when I was a few days late on payment once. They were more interested in moralizing about "fairness" than keeping my business and when I told them they lost a good customer they didn't seem to care. I've never had a credit card behave this way and will no longer be using the Freedom card.
Photo of JadeLhyn K.
Jan 4, 2016
I was extremely satisfied with this Chase Freedom Card. I love bonuses! And this one offers the best bonus and rewards! Spending Five-hundred dollar on my first three months, I received A hundred-fifty sign up bonus! And looking forward to get more rewards. Overall, this card deserves a two thumbs-up and a four-star so far. I will make it a five-star sooner or later. We'll find out soon. ;)
Photo of Jerry B.
Jan 4, 2016
The Chase Freedom card sets a high standard. I received a $150 sign up bonus (after spending $500 in 3 months). During this past Christmas season they also offered 10% cash back from Amazon. Which means that for the approximately $1000 I spent at Amazon, I received $250 cash back. When coupled with the lack on an annual fee and 0% APR for the first 15 months, it's a hard card to beat. The reward categories/merchants do change quarterly and are normally 5%. For Jan-Mar it's gas stations & Apr-Jun is grocery stores. Far better than some of the categories that competing cards offer.
Photo of MinecraftRabbit C.
Dec 31, 2015
I absolutely love this card. Using it is always a pleasure with all of the cash back options it offers including the rotating 5% cash back and the 1% cash back. In addition with the 0% APR during the first 15 months it makes using this card a pleasure. The customer support system at Chase is an absolute dream. They are able to quickly sort out any issues/problems that you possibly have had. Overall it's a wonderful card with many positive features that I would happily choose again and again.
Photo of Brandon P.
Dec 29, 2015
I've had my Chase Freedom now for about 5 years. I use the card for all of my personal purchases. I love the fact that there are different categories for cash back rewards that change every quarter. I'm only rating this card 4 stars because I wish they would let you personally choose the categories you want for the 5% Cash Back instead of them choosing it for you. Often times, some of the categories they offer are things I don't usually purchase. Still, regardless of that, I get 1% on everything else and I'm pretty happy with that. I have earned a lot of cash back already and am more
Photo of Suzi P.
Dec 28, 2015
This is the best credit card I have ever used. The APR is 0% for the first 15 months. I love the rewards you could earn with this card. We buy literally everything with this credit card and we always shop where we can get 5% rewards and then the 1% in addition to that. We have made as much as $70 in reward money in one month. The rewards never expire, so we can let them build up as long as we want to. Over the course of a year this is better return than I can get investing in a CD or savings account!
Photo of Stephanie C.
Dec 28, 2015
I look forward to using this credit card because I am a shopaholic and I love the fact that it has Purchase Intro APR and Transfer Intro APR 0% for 15 months. And it has none MAX PENALTY APR . The Chase Freedom Card maximum late fee is only $37. I will be able to earn $150 while spending on my first 3 months. So i'm really looking forward to start using Chase Freedom Card.
Photo of Dantei R.
Dec 20, 2015
I have been using my Chase Freedom card for a little over 4 and a half years now, and I can honestly say that I love and trust my Chase freedom card. There have been little to no problems so far, and if I do have a tiny problem, then all i have to do is call up my local Chase bank, and they will solve the problem in no time. They are very fast and efficient, and I always enjoy doing business with them. I am very happy and satisfied wit the whole service, and will continue with them in the future.
Photo of Maria H.
Dec 20, 2015
I have had my Chase Freedom card for about a year and I'm quite pleased with it. The intro APR at 0% is to be expected, but what I really liked were the rewards you could earn with this card. If you shop only with your credit card, you can earn so much back. I always like to shop where I can get 5% rewards and then the 1% on top of that really helps. I also like that rewards don't expire, so I can save up for an entire year or even years if I wanted to for a vacation or a big purchase item! And no annual fee more
Photo of Jaya B.
Dec 14, 2015
Freedom was one of the most exceptional designs of prepaid cards that i have very used.It considerably increase my liking to wards varieties of design cards and I'm grateful for the card designers for giving such a great opportunity to become a part of it in the list of members using the card.
Photo of Scott M.
Dec 9, 2015
I got this card about a year ago. The 0% APR for 15 months was pretty awesome because I got it around Christmas time last year, I was able to use it for all my Christmas shopping. I also got 100 dollar bonus which was really awesome. I like the rewards categories also, there is alot of stuff my wife likes so it keeps me happy. All in all , this is a great card and I couldn't recommend it enough.
Photo of Ian G.
Dec 9, 2015
I really enjoy this card but it is not my "go to" card. It all depends on which rotating purchases provide the most rewards. If gas or groceries are up for a greater cash back than my other cards, then I will obviously use it. Unfortunately that is not always the case so I find myself utilizing a different card for those purchases. The initial bonus is nice if you can afford to reach it. I'll never turn down $100 for things I am buying anyway! This is a great card, but you really have to watch the rotating rewards.
Photo of Troy A.
Dec 9, 2015
I've been using this card for a few years now. Overall, its a very solid card, especially around the holidays. the 1% cash back on everything is nice, however there is always a 5% cash back option like gas, Zappos, Kohl's, or Amazon. Amazon is always around December, so it fits my shopping habits very well. Overall, the card is very solid in its offerings and it comes with no annual fee which I was even a bigger fan of.
Photo of Michelle L.
Dec 7, 2015
I signed up for this card because of the sign-up bonuses that came with it. I didn't have much expectation, but I have to say...of the 6 credit cards I currently have to choose from, Chase Freedom is the only one that I use! The 0% APR for the first 15 months got me out of a bind and the cash back bonuses are absolutely amazing! I can't believe how much cash I've earned on this card! I have recommended this card to many of my friends and family and I am completely satisfied with my decision to choose this card!
Photo of Ella L.
Dec 7, 2015
This is a wonderful card to use, especially if you like rewards. You get 1% on every purchase, which is nice, and 5% back on rotating categories. The categories are usually always something that you can use, and throughout the year I get a lot of money back this way, on things I would normally buy regardless. The statements are very clear and easy to understand, and their customer service helpline is always very informative and understanding.
Photo of Michael H.
Dec 5, 2015
I like this card because it's a great way to earn cash back for beginners. With quarterly bonuses that double that cashback, I feel like I'm making a wise investment in myself by using it. The first 15 months come interest free, so it's a great time to build up significant cash rewards before you have to worry about avoiding interest charges.
Photo of Nate W.
Nov 26, 2015
I was pleasantly surprised to get approval with my 640 score. I mainly wanted this card so I could use it with Samsung Pay on my phone as I didn't have a compatible card. Sure enough I was approved and now use it with Samsung pay. It works slick as a regular chip card too, but that's not my main use for it. The interest rate isn't terrible either. My only wish is that my Credit Limit was higher but I'm sure that'll come with time.
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Last updated on: Aug 12th, 2016 at 5:27 EDT

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