Chase Freedom®

chase freedom credit card Sponsored Card
Required Credit Score: Excellent
4 1556 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 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
  • 5% Cash Back on up to $1,500 in combined purchases between October 1 – December 31, 2014 at Amazon.com, Zappos.com and select department 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

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%
  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
  • 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
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Chase Freedom® Reviews

 
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1 2 3 4 5
 
3.9
Overall Rating: 3.9 / 5
Total Ratings: 1556
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Oct 17, 2014
Photo of Grant H.
2
By:
I have used this as my secondary credit card. I do not like the company because for one thing they do not have a high enough credit limit. $1500 is nothing. I decided to start using it and they called me to say I have not paid my bills. They have a frustrating online web service to pay your bills. I like the credit card companies that allow you to deduct the minimum payment automatically. The woman said I could call another line to start this. I think she was rude because she could not help me do this or connect me to someone who would.
Oct 14, 2014
Photo of Adam A.
4
By:
This has been a great card for me. I have used it for over 10 years now. The rewards alone have been worth it while they are always actively searching for a lower rate for me. I built my line of credit with this company and will continue to use it as my main line of credit in the future. Now that my family has expanded it has really come in handy to allow me to purchase all my newly needed baby items and with the low rate I feel confident that I can provide for my family now and in the future.
Oct 7, 2014
Photo of Robert J.
5
By:
The Chase Freedom credit card is a great option for those who have excellent credit (a FICO credit score above 720). The rewards of the card are fairly competitive, with a $100 bonus after spending $500 in your first three months, a very easily-obtained bonus and a major selling point. Not only do you get that, but once you add an authorized user to the card and make a purchase during that same three month period, you get another $25 bonus. A total of $125 for simply signing up and using the card! With 5% cash back on different categories every three months, such as gas, restaurants, and Amazon.com, and more
Oct 7, 2014
Photo of Jillian S.
5
By:
I love the rewards you get with this card! I have already made back over $100!
Oct 7, 2014
Photo of Justus J.
5
By:
This card is great! It's so simple and has no annual fee.
Oct 7, 2014
Photo of Donna M.
5
By:
Accepted in virtually all places and easy cash back activation via text message! Great for people who like to travel, shop and dine out a lot!
Oct 1, 2014
Photo of Emma F.
5
By:
This card is great! It's so simple and has no annual fee. It also has a great auto pay option that I find really helpful.
Sep 26, 2014
Photo of Colton Y.
5
By:
best card I've ever had, it gave me a great interest rate along with rewards for using it! I don't think a company could do better for its users that this one.
Sep 26, 2014
Photo of Brian S.
4
By:
I like the Chase Freedom Visa card because of the special 5% cash back rewards that are available each quarter.
Sep 26, 2014
Photo of Katie H.
4
By:
The Chase Freedom Visa has several different perks. The cardholder has the ability to earn a $100.00 bonus for spending $500.00 within the first three months of owning the card. The cardholder also earns unlimited 1% cash back on purchases. Compared to the Discover It card, it has the cardholder in mind. The Chase Freedom Visa has many perks that would allow cardholders to earn cash back as well as earn bonuses, while the Discover It card does not. It only allows you to earn a percent back on purchases during specific months of the year - after that time has passed, you can no longer earn cash back on more
Sep 24, 2014
Photo of Sunshine M.
5
By:
I have had this card for several years ago to buy flooring for my house. Because of the 15 month 0% intro rate, I was able to pay it off with no interest! I did not use it regularly, because I like to avoid debt, but the next time I did, the rate had gone up to 15.99%, but I called Chase and asked for a better rate, they ran my credit, and gave me the 13.99% rate. I was pleased with this. I also like that they have rewards. I have recently started to better my credit, and because I use Amazon frequently, the points system has been a more
Sep 24, 2014
Photo of Rebeca R.
4
By:
I applied for the Chase Freedom card and I was approved for a very low APR after I would use it for the first year. They have excellent customer service and every time that I give them a call they are polite and go above and beyond to make sure that I am satisfied with the service. This credit card is excellent because I have a Chase checking account so payments are really easy for me to make. The no annual fee and rewards are excellent as well.
Sep 24, 2014
Photo of Ade H.
5
By:
This card never lets me down, using it everywhere is a breeze without issue. You can also get cashback on many purchases and there is an awesome point system. I can't imagine using anything else. The customer service for this card is also some of the best I have ever seen. They helped me prevent issues and told me what I can do in the event of problems. So far no problems!
Sep 18, 2014
Photo of Kennady C.
5
By:
Since I shop at Amazon pretty much all the time, this card is perfect for me. Since I receive 5% cash back on those purchases, it has earned be over $200 over the past few months, which is awesome. It took me a while to qualify for this card, since it does require you to have very good credit, but I swear it is worth it. The low APR is also a great incentive to get this card, seeing as it is lower than a lot of comparable cards.
Sep 18, 2014
Photo of Lori S.
5
By:
I love my Chase Freedom credit card. You get cash back on your purchases, up to 5% if you sign up for the quarterly categories and shop in those stores. They start you off with a lot of points on your cards, which is a big plus, not to mention the long introductory period with no interest. This is the first and only credit card I've ever gotten, and I couldn't be happier with my decision. I recommend it highly.
Aug 29, 2014
Photo of Joseph M.
5
By:
My favorite cash back card...
Aug 28, 2014
Photo of Susan R.
4
By:
This is an excellent card if you have excellent credit. I love the introduction of no interest for 15 months also no annual fee. The fact that the rewards never expires gives you ample time to build points for special holidays when you can really use them. Chase Freedom offers many other bonus and cash back options.
Aug 25, 2014
Photo of Danielle O.
4
By:
The Chase Freedom card is a pretty good card. The rewards are very useful, especially the opportunity to get 5% cash back on certain purchases. I like that they continually increase my credit limit, but the APR is on the high end.
Aug 23, 2014
Photo of AL D.
4
By:
The Chase Freedom Visa is a good credit card, it gives you $100 if you spend $500 in the first 3 months and 0% interests for 15 months plus if you have a Checking with Chase you get and extra 10% Cash bonus reward, it is NOT the best card but the best thing about it, is that you can get it with a FICO in the 600s...
Aug 8, 2014
Photo of Lizzy C.
5
By:
I think that this card has the best rewards out of any card. I have received cash from chase more than a couple times. Really easy to use.
Aug 6, 2014
Photo of Albert C.
4
By:
Like that this card has plenty of bonus opportunities. Also like the fact that the intro APR is 0% for 15 months. I also like the fact that the balance transfer percent is a low 3%. I also like the fact that there are promos like the shopping at Khols and getting 5% cash back. Anywhere you can save is good to me. I would have a hard time choosing between this card and the Capital One Venture card, but the intro interest rate would sway me towards this card.
Jul 24, 2014
Photo of Indira W.
4
By:
I opened this card when I anticipated a large expense. It had 12 months interest free and a bonus opportunity for spending a $500 in the first three months. I already knew I would spend this and was able to earn that bonus of $100! I love the quarterly categories and I use my card only when those categories apply to me to maximize on the 5% back received. To redeem cash back earned you need a minimum of $20, which is not bad and understandable. Typically I take this off my card balance using it as account credit and lower my bill. It feels great! I think the interest more
Jul 22, 2014
Photo of Brittany N.
5
By:
I have had chase for about 5 years, I love the card and have had no issues. I love that you get 5% cash back and you get a good interest rate. The zero APR when I first signed up was the seller for me. I think that this is one of the best credit cards I have ever had, considering I close most of the others.
Jul 19, 2014
Photo of Robert S.
4
By:
As others have said I really like this card as well. Redeeming rewards is quick and easy. They also have a wide variety of 5% cash back categories. The interest rate is competitive and I got a great introductory offer ($100.00 cash back when I spent $1,000 in the first 3 months). I can use the card anywhere, and hell, it even looks snazzy. Also, since I have a Chase checking account, scheduling a payment for this card or monitoring activity on the card is a snap! Also the only time I had to call customer service for this card, I spoke with an actual American who was actually quite more
Jul 14, 2014
Photo of Sonya T.
4
By:
Have had this card for a little over a year. Approved quickly, 5% cash back is wonderful! Easy to use and understand. Keeping this card for a while!
Jul 14, 2014
Photo of Corbin H.
5
By:
This card has been in my possession since last year and I absolutely love it. Chase gave me a high limit with a low APR%. The zero APR for the first 15 months really swayed me to apply for this card. Their cash reward promotions are excellent.
Jul 4, 2014
Photo of Lori B.
4
By:
I have had this card for the last 5 years. It is a great card. I love getting the cash back. It is nice that they allow the cash awards towards a payment. The rate could be a lot better and am not a huge fan of the late fee. It is not not to have a yearly fine though. Overall I feel that it is a good card and does have its benefits to using the card.
Jul 4, 2014
Photo of Bill R.
4
By:
I received this card in February and have been pleased with the service. I earn 5% cash on gas, restaurants, Kohls, etc. depending on which quarter it is. In addition, I was able to get $200 after purchasing $500 within the first 3 months of receiving the card. That is a nice added bonus! Overall I like the card but the customer service could be a little quicker when I call in. Sometimes I wait about 20 minutes before speaking with someone.
Jun 27, 2014
Photo of Chris S.
4
By:
My chase freedom card has been great for the 2 years that I have had it. The cash back option is great especially since they have a few area that they switch between that offer 5% cash back instead of the standard amount. Also having no annual fee is really nice because it has some extra perks that cards with fees have.
Jun 16, 2014
Photo of Matt K.
4
By:
My Chase Freedom card has always been excellent. The constant 1% cash back with rotating categories of 5% cash back (changing each quarter) may not be the absolute best rewards, but for a free card with good online support, it's perfect!
Jun 5, 2014
Photo of Bianca H.
4
By:
This card requires Excellent credit, so if your score is “Good”, don’t bother applying. 13.99% interest rate is great, plus they allo 0% for the first 15 months on purchase and transfers. There’s no annual fee, which is rare these days. They allow a monetary bonus when you add authorized users and give you $200 when you spend $500 within the first 3 months. Every few months they have different categories where you can get cash back at gas stations and restaurants. Harder to qualify for than the Chase Slate card, but still a great one.

 
Jun 2, 2014
Photo of Taylor L.
5
By:
Definitely one of my favorite cards. They do bonuses on and off when you open he card. When I was approved, I was given $150.00 for spending $500 in the first two months. This card has great cash rewards. It's 1% on everything, and then randomly they will give you additional abilities to earn up to 5% cash back on specific purchases, such as gas or groceries. Chase also has a great customer service calling office. Very easy to deal with.
May 23, 2014
Photo of Nick F.
5
By:
Definitely one of the best cash back/reward cards out there. 5% back on gas 6 months out of the year, which is great. The 5% rotates now and then but you get 1% back on everything else all year and no annual fee. You don't need a Chase bank account but if you do there are extra rewards that I think make it worth looking into.
May 22, 2014
Photo of Stephen L.
5
By:
The Chase Freedom card has been an excellent credit card for my wife and me. The enhanced cash-bask rewards (5% at selected merchants for each quarter) can actually be quite substantial. It is also very easy to redeem the points for cash. On the few occasions I've needed to call customer service, they have been very accommodating and easy to work with. I highly recommend this card.
May 13, 2014
Photo of Katherine H.
5
By:
I reach for this card every time I make a purchase. The rewards are easy to rack up (1 point per dollar that you spend). It's like making money every time you make a purchase! The points are easy to convert to rewards. The APR is fairly similar to other cards available and it's a fair rate. Plus, there's no annual fee (unlike some of the other cards). I would definitely recommend this card to family and friends and it is perfect for both first time card holders and those that have been using cards for years.
May 13, 2014
Photo of Theo K.
5
By:
I love using my Chase Freedom card. Since I am a frequent user and use it for just about everything I am always reaping the reward of the points. I really think it's one of the best cards out there for this reason. 1 point for every dollar spent? you can't beat it. If you use this card a lot like I do, you'll be loaded with points in no time. This is definitely my go to card and it gives me freedom in every since of the word. If you are a frequent credit card user, this is the card for you.
May 8, 2014
Photo of Emily P.
3
By:
This Chase Freedom card provides a very fair deal for rewards that seems pretty comparable value-wise to what I receive from the my Visa Travel Rewards Card. However, I don't like that it carries a 3 percent foreign transaction fee, which my Visa Travel card does not. Living abroad, this is a critical benefit that would quickly override the value of any rewards program.
May 5, 2014
Photo of Logan H.
5
By:
Chase freedom is the best card in this category for a large number of reasons. First of all, the point for every dollar you spend (with bonuses for TONS of other uses, like gas or groceries) add up really fast, and before you know it you can get some free stuff. It gives you text aloerts and email alerts which is great for smartphone users, and the Apps work well too. Interest rate isn't awful too as long as you haven't ruined your credit before...i'm a student with not much credit to stand on and I'm looking at a rate my parents are jealous of!
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.
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Oct 20, 2014
Photo of Kristi S.
By: Kristi Shafer
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 $500 on purchases in your first 3 months from account opening. That doesn't seem to hard to do so, FREE $100. Earn a $25 Bonus after you add YOUR FIRST AUTHORIZED USER and make a purchase within this same 3-month period. This is another free $25 bucks if you have someone else on your card with you. You also get 5% Cash Back on up to $1,500 in combined purchases more
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: Oct 20th, 2014 at 12:40 EDT