Chase Freedom®

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Chase Freedom®’s Rewards

Base Earn
1 %
Max Earn
5 %
Earn / Redeem Limit
  • Earn a $100 Bonus after you spend $500 on 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
  • Unlimited 1% Cash Back on every purchase
  • 5% total cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • You’ll enjoy new 5% categories every 3 months like Gas stations, Restaurants and It’s free and easy to activate your bonus each quarter!

Chase Freedom®’s Key APRs & Fees

Purchase Intro APR
0% for 15 months
Transfer Intro APR
0% for 15 months
Regular APR
13.99% - 22.99% (V)
    3% (min $5)

Chase Freedom®’s Additional Info

  • MAX LATE FEE   $35
  • GRACE PERIOD   21 days
    24.99% (V)
    5% (min $10)
  • SMART CHIP   Yes, chip-and-signature
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • No annual fee and rewards never expire as long as your account is open
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Customer Questions and Answers

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

Is there a time limit on purchasing to get the 0 percent interest?

Photo of Card H.
Jul 8, 2015
The 0% intro APR for new purchases is only available for the first 15 months.
1 Votes 1

no matter how much I spend , I never got any ultimate reward points which means NO cash back reward AT ALL!

Photo of Card H.
Feb 23, 2013
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.
1 Votes 1

The Chase Freedom offer seems OK. There are several perks to it that I appreciate, however I'm not sure I like it as well as my good old Amex card. They say you earn a $100 Bonus after you spend more

0 Votes
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Customer Reviews

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3.9 out of 5

1,875 reviews
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 Michael W.
Sep 7, 2015
I signed up solely to get the signing bonus. When I did it, I think it was $100. The rewards were not really that catchy except for gas one. Honestly, how much can one spend at home depot in a quarter unless he is a contractor. Apart from the signing bonus, the only good thing is that I also have a Chase account so I only have to log in to one page to pay the bill.
Photo of Jeff V.
Sep 7, 2015
Not my main card at the moment but it's my preference when in a pinch. The rewards program and cash back are a huge bonus if you play your cards right and the APR is more than manageable once you pass the year of no interest.
Photo of Ashley M.
Sep 7, 2015
This card is pretty good. It is simple, nothing really surprising or different about it. I did very much enjoy the 0%, only wish it would have gone on for longer than 15 months. My new interest rate isn't too bad, but I've had better.
Photo of Susan Z.
Sep 3, 2015
I have been using the chase freedom credit card now for 5 years or more. I have recently encountered a problem with a software purchase and called to cancel the payment after 1 day. Not only would Chase not honor my request their dispute department told me I had to prove to them that I no longer used the service and I needed the billing date sent to them for processing. They have my statements and billing info but have denied my claim because I can't send them proof of the 1 day service I received that ruined my new computer. Their service personnel are arrogant and hold themselves better more
Photo of Nate A.
Aug 7, 2015
I have been a customer with Chase for years and have been on time with my payments for years. All in all, I am a great customer. I recently made a large payment though a few days late and requested customer service to waive my late fee. They refused because back in April they waived a late fee. Are you kidding? After all the customers that don't pay? All I am asking for is a fee reversal. Then, I spoke with a supervisor and she thought she was some type of high and mighty individual. If you are a loyal customer and pay your bill on a regular basis, companies more
Photo of Mona C.
Aug 12, 2015
The most they will even do is waive one late fee. So this is your second time late? And you give them a 1 star rating because they wouldn't waive it the SECOND time? Are YOU kidding?
Photo of Mona C.
Aug 12, 2015
I don't even know why you're even complaining about it the second time..You should have learned your lesson from the first.
Photo of Mona C.
Aug 12, 2015
Not all companies will even waive it the first time.
Photo of Helwa C.
Aug 3, 2015
I have been using the Freedom card for about 4 years and never had a single complaint against it. There is no over limit fee and the max late fee isn't even that high. So even when I am making heavy purchase on my wallet I don't worry much if I miss a payment. Not forgetting the online management system is awesome.
Photo of Hawk B.
Aug 3, 2015
I have had this card for several months. I dumped my Barclay Card for the chase freedom and have already saved a lot of interest charges. The cash back benefits are what really brought me to it. I love knowing that not only am I saving on interest but I receive CASH back not an unusable gift from a catalog or credit toward some other purchase that I will probably never buy. The cash back on quarterly items like gas od an additional 4% has really helped my finances. Glad I changed!
Photo of Nicolette C.
Jul 26, 2015
I have been using the chase freedom card for about a year now and I really like it. The rewards are really great, especially when they have 5% back from amazon. My favorite thing about this card is that you can have your cash back credited as a statement balance instead of having to use it to buy something. All in all this credit card is great.
Photo of Dylan S.
Jul 14, 2015
i had already had my bank account through chase so they asked me about getting the chase freedom card and told me about all of it's benefits. What really stuck out to me was the cash back rewards and the no annual fee aspect of the card. Overall those 2 benefits are what got me to accept it. That was a year ago and my limit has already been doubled from $1,500 to $3,000. If you have any questions the support team is very easy to get ahold of and easy to understand while quickly resolving all my problems.
Photo of Megan Z.
Jul 3, 2015
I obtained the Chase Freedom card in November 2014. And I have to say so far I really like it! Before having a credit card, I used cash for pretty much everything. But with using a credit card like Chase, you gain access to a lot of perks and benefits that you simply can't get with cash only. For example, since I charge everything each month to my one card I usually have quite a balance. But I pay it off in full to avoid any late fees and interest spikes. Each time I pay my card, I get what is called "Chase Rewards" points. In fact just for signing more
Photo of Lauren B.
Jul 2, 2015
I really like the card- it was my first (and only) credit card. I've had it for a year and a half now, and it's been bumped up from $500, to $1000, and now $2000. I like the cash back rewards, but I do think they could be a little better. The months that the 5% cash back is Kohl's or I don't get nearly as much back as when it's gas, groceries, or restaurants. Overall it's a great card though, no annual fee, and easy to pay off right from my bank account page.
Photo of Patrick E.
Jun 3, 2015
I've had this card for the last 4 years and I like it a lot. The 1% cash back is okay (seems about average) and I've not had any issues with late fees or anything like that. The one time I had to call customer service the representative was a bit slow, but they ultimately succeeded in helping me with my issue so good there!
Photo of Matt C.
May 31, 2015
I've been using this card for around 10 years, and have never had any problems with it. The rewards system is pretty standard, I think - you get 1% cash back, with 2-3 rotating 'bonus categories' such as restaurants or gas stations that will get you 5% back. There are no fees associated with the card, so as someone who pays my balance in full every month, I don't pay a dime to use the card. Over the years, I've only had to call customer service a handful of times, and they've always been very helpful. I like that I can schedule as many payments per month as I want, more
Photo of Elixir T.
May 19, 2015
I have enjoyed my Chase Freedom card the past couple years I have had it. The rewards aren't too big, but they do reward you with cash. I think you get about $100 for every $500 you spend during the beginning of having this card. You get cash back and can earn bonuses. There's no limit how much you can earn or redeem. Its nice to have this card, because there's always something I'm getting back from every purchase that I make.
Photo of Michelle E.
May 18, 2015
I love cards that provide bonuses and cash back. I feel like you might as well get some kind of reward if you're going to spend the money anyway. This card has, by far, more features and benefits of any other card that I've had or seen. In addition to the cash back opportunities, the Chase Freedom card gives you a lot of discounts at retailers and companies simply for being a member (any Chase card does this, actually, but why not use this card and earn cash back?) I really like the no annual fee aspect.
Photo of David G.
May 8, 2015
This is the card I use when we go out to eat for the cash back rewards, it's kind of a no brainer because I'm going to pay for dinner either way so why not use the card, get the 5% cash back, and then pay the card off at the end of each month. Nothing to lose, 5% to gain!
Photo of Syed H.
May 4, 2015
I've had this card for over 5+ years. It's probably one of the best cards out there for its cash back %. This is the only card that offers quarterly promotions that change to what’s relevant. The Freedom card also has a one-time promotion of receiving $100 depending on if you’re a new client with Chase. When you redeem the cash back you have different offers either transfer the points into cash or if you’re an Amazon shopper you can redeem it on Amazon. I would highly recommend it to anybody that uses other cards to really look into this one.
Photo of Michelle D.
Apr 30, 2015
I was offered a Chase Freedom card last year when I was taking care of some banking issues at my local Chase bank, and I'm very happy that I decided to apply for the card at that time. In particular, I find the cash back feature to be nice, and I like that I can apply the points towards purchases I make on Amazon. However, I wish I didn't have to sign up for these points every three months, and I wish the cash back products were for every purchase I make and that they didn't change their categories every three months. But other than that, I haven't had any more
Photo of Colby P.
Apr 30, 2015
This is a great rewards card! I like that it gives you 5% back on certain categories! The potential for the extra $125 is a great incentive as well. The 1% cash back on all purchases is normal for any credit card anymore. I'm not sure how the total cash back would compare to those who use a card that has stacked percentages such as 3% on Gas, 2% on grocery, 1% on everything else, but this is the highest cash back I have seen in a category before. The only downside is the high APR like any other card, but I normally pay mine off quickly so it's not a concern for me.
Photo of Darlene H.
Apr 29, 2015
I have had this card for a very long time, and I especially like the Chase Freedom card because of the extra 5% quarterly rewards. The categories change every time, and you can get rewards for buying groceries and gasoline. It adds up fast. I use them as a credit on my balance. The only thing that I don't like is that you have to remember to activate it every quarter to receive the rewards, as it is not automatic. I wish that would change. The card also has no annual fee. The customer service is always great, they answer quickly and are very helpful.
Photo of Mitchell H.
Apr 29, 2015
The Chase Freedom card gives customers a lot of great rewards with no annual fee to worry about. I have been a member for several years and have earned thousands! I easily earn $200 each year by using the 5% cash back categories strategically. You also get 1% back on all other purchases, but the 5% is where you can make a lot extra money depending on the category! It really is a great perk that you don't see anywhere else without having to pay a very high annual fee. Highly recommend to anyone looking for a new credit card!
Photo of Dianna C.
Apr 23, 2015
I love my Chase Freedom card. I usually earn about $150-$300 yearly just for using my credit card. I go through the Chase Ultimate Rewards (log on through your from your computer not mobile) and purchase airfare. My husband and I combine our rewards together and take awesome trips. In August of 2014, we purchased tickets to St. Lucia, to go to a Sandals resort in the Carribean. We have also have other Chase cards as well like the Sapphire Preferred. Every time we call Chase for any reason regarding our credit cards or combining our points together, they have never given us a hard time and have always more
Photo of Valerie A.
Apr 23, 2015
We have had this credit card for several years now. Before signing up we looked at many other options and we felt like this card gave us more perks than any other card. Chase Freedom also have very low interest rates if you are not able to pay it off each month. We love the points that we earn and the rewards of a gift card or being able to apply it to an amazon purchase. We have never had any problem with it and feel like carrying the card and putting major purchases on it has given us major benefits. We can't say enough great things about this company more
Photo of Max J.
Apr 23, 2015
I love the Chase Freedom credit card. It has a low interest rate anywhere on the scale and comes with a great variety of rewards. It's great to make a big purchase with because you can get 100 back initially if you spend more than 500 in the first three months, 5% cash back from certain retailers between now and may, and unlimited 1% cash back on purchases. Those really make a difference over time. Contrast that to something like the Visa Rewards Credit Card and it has rewards but not as significant as the ones on this card.

Plus, Chase's customer service is always friendly and extremely helpful. If you more
Photo of Patty G.
Apr 16, 2015
I have had the Chase Freedom credit card for the last 4 years and I am very satisfied with it. I already have a Chase checking account so it is very convenient to link both of them. The bonuses and the 0% intro rate are great. You always get 1% cash back anywhere and they offer 5% cash back on different categories.
Photo of Shawn U.
Apr 16, 2015
My parents and I have the Chase Freedom Card and we love it! One really good part about signing up for this is you get a free $100 after you spend your first $500 . The catch to that is you must do it in the first 3 months of opening your account. I like that you also get 0% interest for the first 15 months. If you are really looking to get a project done at home and need the money now because you dont want to wait, you should sign yourself up for one of these cards today!
Photo of Andy B.
Apr 10, 2015
I have been using the chase freedom card for about 2 years now. I got 100 cash back after spending 500. I now use it as my main way of buying things and get 1%-5% on everything I buy. I am a huge fan of the rotating categories. The cash back system works great and they have an auto pay system that lets you fully pay off your bill so that you never get charged interest.
Photo of Sarah F.
Apr 10, 2015
I have had this card for several years, and have enjoyed redeeming the points for cash back or credit to my balance. I also have benefit from their fraud protection service - at one time I attempted to purchase designer boots from a web site that turned out to be fraudulent. Chase did not allow the purchase to go through, and I received an email (promptly) to call Chase to verify this purchase or to cancel it altogether. I appreciated that as I would have been out of several hundred dollars (or worse, had my credit card # compromised).
Photo of Shalita T.
Apr 6, 2015
This card has produced a very satisfactory experience. I have had little issues with the customer service and have always been provided accurate information. The interest rate was reasonable for someone who had limited credit experience.

They also have a great fraud protection program. I had random unauthorized charges from a completely different country on my card. Chase contacted me immediately to remove the charge from my account.

The opportunity for balance transfers is a nice benefit as well. Most have an introductory rate of 0 percent for the first 12 months and easily accessible.
Photo of Ritu C.
Apr 6, 2015
i am using chase credit card from almost three years and i just love this card. it give 5% cash back on purchase of different items on, gas station and restaurants so this card can be called money saver card. it gave me $100 bonus on $1000 purchase in first three months from account opening. This was easy as you would easily spend that much on a card. You will have to wait for the offer in the mail to avail this offer. The customer service of this card is really good they fix your issues as soon as possible. of all the credit cards i have this card more
Photo of Michelle H.
Apr 2, 2015
I have had my Chase Freedom credit card for two years now and have never had any major problems. I do online banking and I find their site really simple to use. What's more, I travel internationally regularly and have always found it super easy to call and put a notice on my card so that I can use it abroad. In some countries, you need a pin number rather than a signature if you would like to use the card and Chase Freedom details how to set that up for American card holders when asked. My card has never been refused anywhere, especially because Visa is a widely-accepted card. more
Photo of George B.
Mar 27, 2015
I have had my Chase Freedom credit card for years. I have found their terms to be excellent. They often have offers to borrow money for a year at very low interest rates. The cash back and rewards program has been easy to use and to redeem the awards.
Photo of Roberta L.
Mar 23, 2015
I have used my Chase Freedom credit card often and have never had any problems with it in stores or online. The customer service is informative and courteous. The fees and apr are affordable. The cash back and rewards programs are not hard to achieve so you feel like you get something back! I will continue to use this card in the future, and will recommend it to anyone who asks me about credit cards!!
Photo of Dane J.
Mar 20, 2015
This card works at every retailer. We have had no problems with it being accepted. The rates are not bad, and the rewards program was giving us cash back for a while, which was really nice. We'd hear nothing about it for a while, and then redeem our points and get $200 back, which felt good, and so we'd keep using this card. We got rid of our other cards.
Photo of Sean H.
Jul 16, 2015
Just out of curiosity, why only 3 stars?
Photo of Scotch T.
Mar 13, 2015
I really love this card. The rewards program for this card is so benefiting that sometimes I forget to even redeem my points. What I really love about this card is its customers service toll line since other credit cards such as the Capital One card which has a very horrible customer service.
Photo of Logitech S.
Mar 8, 2015
I really love this card. The rewards program for this card is awesome. The best way to make use of this card is to make it your everyday use card. You can make really easy points when you buy coffee in the morning and pay with this card. Also you can use this card when making heavy amounts of purchases.
Photo of Danielle A.
Mar 6, 2015
I haven't had any problems with Chase or the Freedom card and I have been happy with my choice. I was offered the 0% APR for 15 months and I am close to coming to the end of that promotion. They do offer 5% cash back rewards on different types of purchases each quarter which is an added bonus. This month alone I've earned about $25 just for using my card at Starbucks where I usually pay cash. I do know the interest will be quite high once my 0% is over so I am not looking forward to that but overall this card is a great credit option.
Photo of Simran K.
Mar 1, 2015
I really love this card. It has 0% APR for the first 15 months on a purchase. So when ever I buy something expensive this card helps me payback but with no tension . I love the fact that my reward points never expire meaning I can save up and use them for something big. Somethings that I would change are the card design. The design has been the same for quite a long time and it looks very boring. The card should be made out of steel. Overall this is an excellent card.
Photo of Khan K.
Feb 25, 2015
Like most credit cards there is a rather high APR for purchases and cash advances. It has excellent rewards program. The signup bonus is basically a 20% cash back reward. Which is the highest I've seen recently. Unlike other reward cards that only give you 1% cash back, Chase gives you 5% back in selected categories. You just have to remember to enroll every 3 months.

This is an excellent card so anyone who can pay off their balance in full every month. If you are able to do that Chase is paying you to use the card.
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Last updated on: Oct 1st, 2015 at 11:27 EDT

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