Chase Freedom®

Chase Freedom® Sponsored Card
Required Credit Score: Excellent
4 1166 reviews   Write a Review!
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Chase Freedom®'s Rewards

Bonus
$100
Base Earn
1%
Max Earn
5%
Earn / Redeem Limit
No
  • Earn a $100 Bonus after you make $500 in purchases in your first 3 months from account opening.
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period.
  • 5% Cash Back on up to $1,500 in combined purchases between April 1 and June 30, 2014 at restaurants and Lowe's® home improvement stores.
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases.
  • No annual fee and rewards never expire.

Chase Freedom®'s Key APRs & Fees

Intro Rate on Purchases
0% for 15 months
Intro Rate on Transfers
0% for 15 months
Regular Rate
13.99% - 22.99% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER FEE 3%

Chase Freedom®'s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   21 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE RATE 23.99% (V)
  • CASH ADVANCE FEE 3% (min $10)
  • FOREIGN TRANSACTION
    FEE  
    3%
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99%-22.99%.
Apply Now
at Chase's
secure site

Chase Freedom® Reviews

 
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4.0
Overall Rating: 4.0 / 5
Total Ratings: 1166
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Apr 9, 2014
Photo of Matt D.
5
By:
I love Chase Freedom Card!!! One point for each dollar I spend and then up to 5% back in selected categories that change quartly. It's nice that I have the ability to make money with this card just on the rewards alone!! I can use this card whenever I want and It also has alerts that are sent directly to my phone which allows me to watch my spending and this is very useful with being a college student. Great stuff here!!
Apr 3, 2014
Photo of Julie M.
5
By:
I love my Chase Freedom card. I pay off my balance each month so I can't speak to APR or anything like that. I use it for everything and then reap the reward of the points. One point for each dollar I spend and then up to 5% back in selected categories that change quarterly. Usually the categories correspond with times of the year, like over the holidays it was all retail stores. I actually make quite a bit of money with this card from rewards alone.
Mar 28, 2014
Photo of Corey K.
4
By:
The Chase Freedom card is my go-to card whenever I happen to come up a little short on bills or other credit payments for the month. I also use this card to equalize my credit balances through their balance transfer system. Obviously I don't want to be above 30% or so of my total credit limit on any account, so I use this balance transfer system often to redistribute some of this card's balance to another account when I think it gets too high. I usually pay off the other cards first, because of their higher interest rates. Chase's balance transfer system is pretty easy to do on their website, more
Mar 28, 2014
Photo of Evan F.
5
By:
Chase has always done right by my standards, this card is no exception. The rewards compared to other credit cards are astounding. The interest rate is nothing to be worried about, because it's so low you won't be constantly stressing.
Mar 28, 2014
Photo of Dustin H.
5
By:
This card is great, Chase has always treated me well, so it was no surprise to receive the same treatment and quality with this card. The rewards are great, I love the APR, and the cash back bonus is an excellent motivator to spend more money, haha. This has quickly become my most used card. Thanks Chase.
Mar 27, 2014
Photo of Becky S.
4
By:
I love my Chase Freedom card! I don't use it that often but already have points built up. I never have had an issue with this card. I would recommend this card for someone that is new to credit cards and wants to build up their credit!
Mar 27, 2014
Photo of Jenny S.
5
By:
I love my Chase Freedom card!! The rewards are great! We use our Chase card for everything and collect the reward points to use for traveling. I love that they give us the option to have auto bank draft so we never miss a payment! Highly recommended!
Mar 19, 2014
Photo of Jenna B.
5
By:
I absolutely love my Chase Freedom card. The cash back rewards are great, it's easy to pay, and the Chase customer support team for this card is always responsive and helpful. Out of the 5 credit cards I use, this one is definitely the most rewarding and convenient!
Mar 19, 2014
Photo of Ryan B.
4
By:
I really like my credit card. I bank through Chase and it's really nice to be able to see my balances and most recent purchases online. Not to mention I can make my payment on the same page immediately straight through my bank account. Overall the best thing is I can combine my points with all my chase cards.
Mar 19, 2014
Photo of Jasmine G.
3
By:
This card is pretty good. I'm satisfied with it, and would probably recommend it to a friend.
Mar 19, 2014
Photo of Cindi H.
4
By:
I really like the card. The Chase people on the phone are helpful. I signed up for it for a signing bonus, but I kept the card because the 5 percent revolving categories are good. Also, it allows you to redeem your rewards for a statement credit instead of gift cards.
Mar 19, 2014
Photo of Rusty S.
5
By:
0% APR for 15 months on any purchase! That is the sweetest part of this card, unfortunately you need very very good credit to get this one, but it is definitely worth it. I like the revolving rewards you can earn throughout different months, but I would prefer being able to pick one or two things, like always getting gas rewards or miles, but you do get cash back on all purchases made on this card. Plus, it's Chase and I've always had a good relationship with them. I used the Chase Freedom card to buy expensive gear, because it made it manageable allowing me to pay it off without more
Mar 17, 2014
Photo of Jimmy L.
5
By:
This credit card gave me everything I needed for my needy needs. Would recommend to anyone who needs a credit card
Mar 11, 2014
Photo of Sean G.
4
By:
I've had this card for about three years now. It's pretty good, I only use it about once a year to pay for flight/hotel for vacations. I have a decent rate with it, no complaints. Since I don't use it a lot the 5% cash back doesn't add up for me, but that's okay. I would definitely recommend this card if you do use it a lot because then the 5% cash back could add up pretty quickly. All in all though, this is a decent card.
Mar 6, 2014
Photo of Kwame Y.
4
By:
This seems like a great reward for anyone who has excellent credit! The APR rates are totally reasonable, and the $100 bonus is an excellent incentive to sign up. Paying your bills on time has its benefits, and the Chase Freedom card proves it.
Mar 17, 2014
Photo of Jay M.
Jay Melo
I like rewards cards. They are a great way to earn 'something extra' while doing your usual shopping. The $100 bonus tempted me to sign up for this card. I have dealt with Chase in the past and have always been happy with them.
Feb 25, 2014
Photo of Brett B.
4
By:
I have had this card for about 2 years now and it was the first credit card I had ever applied for and gotten. That being said, as expected, I was approved for the 23% interest rate, however, Chase gives you about 18-24 months free of interest with this card. There are no fees associated with the card, and another benefit is the 5% cash back Chase offers with this card on certain purchases. Definitely an awesome card to start out with.
Feb 25, 2014
Photo of Crystal S.
5
By:
I've had this credit card for a few years, and I love it! Throughout the year, Chase offers 5% cash back on certain types of purchases, and I really like when they offer it on travel purchases (flights, hotels, etc.) at a time of year I happen to be traveling and when they offer 5% cash back at Kohl's since I shop there often. The 5% cash back enables me to accrue points more quickly, and I get so excited when it's time to cash in my points. You can trade your points for cash or choose from many gift cards, but I always get an Amazon gift card with more
Feb 17, 2014
Photo of Dave A.
4
By:
This is an excellent card with great benefits. I've had this card for about 5 years now and I have never had a problem with it. The 5% quarterly cash back is great and usually includes gas in the categories which adds up quickly. This card also extends the warranty on most big ticket items by one year providing peace of mind.
Feb 12, 2014
Photo of Michael M.
4
By:
This is a great card. I have had this card for over 2 years and I have never had a problem with them. I love their cash back bonus! It is a great incentive to use the card. I use the card for everything-food, gas, etc. Whenever I have a problem with the card, I always call the customer service and they always help me out as best they can! I do not plan on switching cards anytime soon because I love this card.
Feb 12, 2014
Photo of Christopher S.
4
By:
The Chase Freedom card is a great credit card to have. It has a low 0%APR (Mine was for 15 months I think) and integrates easily on the Chase website with many of the other Chase financial products I use. I also was able to transfer the balance from another credit card to my new Chase Freedom and get 0% for 15 months.I have had a very positive experience with them and their customer service department and would recommend this card to my friends and family.
Feb 10, 2014
Photo of Ginny S.
5
By:
The Chase Freedom card offers reliability no matter where you are. Its 0% APR for the first 15 months and no annual fee are great incentives, unlike Capital One which applies the APR with the first purchase and charges an annual fee (after the first year). The card only has a 21 day grace period, which doesn't give you much time to pay it off.
Feb 6, 2014
Photo of Sabira L.
3
By:
The Chase Freedom credit card offers reliability no matter where you are. Its 0% APR for the first 15 months and no annual fee are great incentives, unlike Capital One which applies the APR with the first purchase and charges an annual fee (after the first year). The card only has a 21 day grace period, which doesn't give you much time to pay it off.
Feb 3, 2014
Photo of Anthony L.
4
By:
I have been using the chase freedom for about 4 months and it has been great. I got a 200 dollar bonus cash back for spending 500 dollars on my first 3 months. Every 3 months there are great deals for 5 percent cash back ranging from Starbucks, Amazon, and gas stations. There is no annual fee and also no APR for the first one and a half year. The only downside is that the categories for the cash back change every 3 months. Overall I recommend this to anyone that is looking to start a new credit card.
Feb 3, 2014
Photo of Alex W.
4
By:
I use the Chase Freedom for about two years now. I found that the card is very useful for receiving high yield cash back when buying items that you normally use. One of the good things to have with this card is there are no annual fees. Also, they have a recurring 5% cash back problem which yields cash back on multiple categories but it changes every quarter and you have to remember to reapply each quarter. Otherwise, the customer service is top notch and I would definitely recommend it to people who are looking for a good entry option into the world of credit.
Jan 29, 2014
Photo of Kierra M.
5
By:
This Chase Freedom Cash Back Credit Card is the best I've come across. The best thing about this card is the endless earnings potentials. You purchase however much you want and still receive 1% cash reimbursement on the purchases. Besides the $100 bonus cash isn't too shabby. The only downside is that occasionally you may have to re-register for the bonus cash to get rewards. A really simple card to use.
Jan 19, 2014
Photo of Vadim A.
4
By:
Before using Chase Freedom Credit Card, I was using a credit card that was offered by PNC bank. I switched over to Chase after I heard about their no earning limitations and 1% reimbursement on all purchases. An obvious benefit to this card is the $100 dollar cash-back after 3 months and $500 in purchases. APR rates are also much more competitive than my prior card, and that was the selling point for me. I encourage others to look into Chase's Freedom Credit Card.
Jan 12, 2014
Photo of Jessica M.
5
By:
I have had the Chase Freedom card for a while and it is my favorite card of the MANY credit cards that I have had. Many promise that you will earn "rewards" and yet somehow, no matter how much you spend, you never acrue anything. With the Chase Freedom Card, however, the more I spend the more points/rewards I auctually earn. Every month there are different categories to earn an extra 5% back and you can chose how you would like to be rewarded. For me, that means all of my earnings are seamlessly transferred to my Amazon account and go towards the very purchases I make with my Chase more
Jan 12, 2014
Photo of Dennis S.
5
By:
I have had the chase freedom card for a little over a year now and I absolutely love this card. I had an issue where I was charged for something that I had not purchased and they took care of it in no time. I was very happy with how they cared about my situation and solved the problem. I would highly recommend this card to anyone who needs a credit card.
Dec 27, 2013
Photo of Jim B.
5
By:
I've had this card for a decent amount of time and I have nothing to complain about except having to register for the "bonus" cash back every so often. They are a great company from what I have experienced, missed a payment (I just forgot) and asked about getting rid of a late fee. They took it off no problem. I like it for the rewards definitely.
Dec 24, 2013
Photo of Aryan J.
4
By:
The Chase Freedom card is simply the best card for earning points and rewards. They have rotating categories that earn 5% cash back (and more if you redeem for travel) in different categories. For example, from October through December 2013, I earned 5% cash back for expenditures on Amazon and different department stores while in January until March of 2014, I will earn 5% cash back at restaurants, gas stations, and Starbucks stores. The points are easy to use and can easily be credited to one's account. I really recommend the Chase Freedom!
Dec 21, 2013
Photo of Jeff C.
4
By:
I have been using the Chase Freedom card for the past few years. I was a college student when i applied for my first credit card. As a result, i really wanted to find the one that fitted me the most. And i did! Choosing Chase Freedom is probably the best choice i made in my life!!!
Dec 21, 2013
Photo of Amy F.
4
By:
I've had the Chase Freedom Card for a long time now. I really like the cash back, and I even get gift cards sometimes. There's also no annual fee, and even though my credit isn't perfect, they still gave me a fairly low APR. It's one of the only cards I've held onto for years, and I'll definitely be keeping it for many more.
Dec 17, 2013
Photo of Nicole B.
4
By:
I have had this card for years and love it. There are many great perks with every purchase that you make with the card, including a 5% back on various types of stores, which makes it a great value. This is another great card to have for the holidays! The best part about this card is the $200 cash back reward and the gift cards that come from time to time when using the card. The bonuses are great, the APR is low considering how high many others are, and the late payment fees are not that bad if you happen to miss a payment. This is a credit card more
Dec 16, 2013
Photo of Catherine R.
4
By:
I really like my Chase Freedom card for the 1% cash back on all purchases, and 5% back on rotating categories of stores. For example, From October to December I get 5% from department stores and Amazon - perfect for holiday shopping. You have to manually enroll yourself in the cash back every three months, so I'm subtracting a star.
Dec 13, 2013
Photo of Karen C.
4
By:
I've had the Chase Freedom Card for many years. Like my other cards, such as American Express and Chase Sapphire, it offers perks with every purchase. What I like best though is the $200 cash back and the occasional gift cards I get by using this card. I also love the 5% cash back on purchases. This makes me feel like I'm spending less money on interest when I pay with credit. My APR is on the low side at about 13%, and there is no annual fee, which makes this a good card to use if I have to carry a balance.
Dec 12, 2013
Photo of Robbie T.
4
By:
I've had this card for years and can say that I truly love it. It has everything I've wanted in a credit card and I've utilized almost all of the benefits of having it. The bonuses are crazy good! The initial interest rate that I was given was excellent, given at the time I was a full-time student with little but decent credit. Also, the no annual fee is something that is rarely given with a card of this nature. It's definitely one that I will continue to have and use in years to come and would recommend it to anyone looking for reliability and freedom in a credit card.
Dec 6, 2013
Photo of Jessica N.
4
By:
Wow! This card has GREAT bonuses! The $200 after $500 spend in the first three months is incredible! Especially if you just use it for all purchases, and pay off by the end of the month! I have not seen a card with such a high bonus before. I have had Discover for several years, and have never gotten that great of a bonus. I also think the interest rates are competitive, especially on the lower end. Also, the balance transfer period is 15 months 0% interest. The cards I have seen or had have all been 12 months 0% interest. Great interest rates, great promotional period, and great bonuses! more
Dec 6, 2013
Photo of Chelsea M.
5
By:
I really enjoy being a holder of The Chase Freedom Card. As a holder i enjoy a very low APR. And what specifically drew me to this card was the $200 bonus they give holders. I would suggest this card to friends, family or anyone looking for a great credit card.
Dec 5, 2013
Photo of Jeff L.
5
By:
A good credit card to have, my APR was very low. Approved without any problems. The best part about this card are the reward points. I was able to buy a large plasma T.V. by selling my amazon points to someone! The staff was always helpful. The cash back bonus is also a great way to get some change. Go with this card, trust me.
Dec 4, 2013
Photo of Cody D.
5
By:
The Chase Freedom Card is great to pick up right now with a $200 cash back bonus. Also during the holidays they offer 5% cash back on Amazon purchases and other department stores. This is the perfect card to get all your holiday shopping done on to save a few bucks. Plus the added bonus of $200 is a great deal. I have used similar cards by Capital One but none have ever compared to this deal. My rate at Capital One was much higher than the variable rate at Chase and the 0% APR was not offered either over at Capital One.
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Feb 22, 2013
Photo of Charlene D.
By: Charlene Heather Dee
no matter how much I spend , I never got any ultimate reward points which means NO cash back reward AT ALL!
Feb 23, 2013
Photo of Card H.
Card Hub
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.
Sep 20, 2012
Photo of Dee P.
By: Dee Pulsifer
I've had my Chase freedom card sence 1993. I need to transfer funds to my bank account so I'm able to get a certified check to send for a payment and have no clue as to wether I need or even have a pin number. Can you assist me in doing so?
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Last updated on: Apr 9th, 2014 at 3:17 EDT