Chase Freedom®

chase freedom Sponsored Card
Required Credit Score:
Excellent
4 1,701 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 1/1/15–3/31/15 at grocery stores (not including Walmart® and Target® purchases), movie theaters, and Starbucks® stores
  • You’ll enjoy new 5% categories every 3 months like restaurants, gas stations, 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% (min $5)

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 5% (min $10)
  • FOREIGN TRANSACTION
    FEE  
    3%
  • 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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Chase Freedom® Reviews

 
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3.9
Overall Rating: 3.9 / 5
Total Ratings: 1701
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Feb 25, 2015
Photo of Khan K.
4
By:
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.
Feb 15, 2015
Photo of Cobra M.
5
By:
Feb 15, 2015
This card is a real great money saver. I get 5% cash back on every purchase that I make. So I know that when I spend something I get something for shopping with chase. I really love this card and its a keeper.
Feb 9, 2015
Photo of Casey D.
5
By:
Feb 9, 2015
I have a Chase freedom card and it has great fraud coverage and a great interest rate! I have had a card with them for two years now and my apr is only 14% which in comparison to all the other out there is a steal. I don't have to pay an annual fee for not using the card much either which is nice because sometimes it sits in my purse for months. I am currently getting 5% back on my purchases and it does ad up. You don't have to read between the lines with Chase they are pretty up front with you. If you need a credit card more
Feb 11, 2015
Photo of Carl H.
Carl Hafer
Feb 11, 2015
I love the card too. My favorite hidden gem is that I can use the reward points directly on amazon.com. It happened to pop up when I was making a purchase. This is a great credit card to have, any credit card without a rewards program is just leaving money on the table.
Feb 5, 2015
Photo of Isabel O.
5
By:
Feb 5, 2015
I’ve just received my Chase Freedom credit card about a month and a half ago and I absolutely love it. I’ve had their Amazon.com card for several years now but wanted one more for everyday use. Aside from the aesthetics (the blue is so vibrant!), the rotating categories each quarter makes this a great go-to card for many different occasions. For this quarter, I have designated this card for grocery purchases to fully reap the 5% cash back rewards—which in turn has transformed me into more of a homebody as I’ve found that I cook at home way more often; that alone has saved me a substantial amount of money more
Jan 30, 2015
Photo of Christopher C.
4
By:
Jan 30, 2015
Overall very pleased with this credit card. Rewards are competitive and can be redeemed as a credit on my monthly statement. Only complaint is the rewards have been overall reduced since we first opened the card. (i.e. used to provide a bonus for waiting until cash back accumulated to $200 to redeem). We never carry a balance or pay interest so cannot speak to competitiveness of interest rates or late fees. We also take advantage of the quarterly bonus rewards categories. Have also had very efficient and quality service when needing to dispute a transaction as well as impressive communication from Chase both during and after the dispute process.
Jan 27, 2015
Photo of Martin R.
4
By:
Jan 27, 2015
This is a good credit card to have if you remember to activate the cashback bonus prior to each quarter. If you have other cashback credit cards that offer 'revolving rewards' like this one, it can be difficult to remember which card to use for certain purchases. Of all the credit cards I have, this one has the lowest standard APR (although this may vary for others). Unfortunately this card does have foreign transaction fees so I make sure I leave it at home when traveling abroad. I would particularly recommend this card for Amazon shoppers since one of the quarterly cashback periods usually offers 5% cashback on Amazon purchases.
Jan 20, 2015
Photo of Laura H.
4
By:
Jan 20, 2015
The Chase Freedom card is a great standard credit card which offers a good amount of rewards versus the cards of competitors. The initial bonuses available are particularly appealing, specifically the $100 bonus if you spend at least $500 on the card in your first three months. The long-term rewards, set at 1% of all purchases and 5% of a rotating category, are quite appealing. These are nearly identical to the rewards offered by my Discover card, which I currently use. It's a great system and the 5% reward rate adds up quickly, especially when the category includes all major grocery stores like it currently does. With potential for the more
Jan 19, 2015
Photo of Jonathan C.
5
By:
Jan 19, 2015
Wow, what a great credit card this is from Chase! First off, i would like to point out the ease of use & the amazing customer service which is behind this. I have been using this card from anything such as groceries, at the mall, even online purchases. Upon applying last March, i received $100 for applying with them. This is by far the best credit card i have ever had the absolute pleasure of obtaining possession of. I will be a fan of Chase for life & this leaves me to wonder what more do the other cards have to offer from this bank. If you're looking for a more
Feb 13, 2015
Photo of Joely A.
Joely Arias
Feb 13, 2015
Did you call for them to activate the $100 bonus or did it atomatically go in your account? Its been 3 months already since i applied and havent gotten no $100 bonus.
Jan 19, 2015
Photo of Ella L.
4
By:
Jan 19, 2015
This is a wonderful card to use, especially if you like rewards. You get 1% on every purchase which is nice (not as good as 2% with Citi card) and 5% back on rotating categories. The categories used to be a lot better, but since they have added things like departments stores and movies, I don't use it at much. I now use my Citi card for most purchases, because you get more money back on money you're spending anyway. However, when Chase has good categories like 5% cash back on gas, I will use this card. I wish they would go back to the old categories like gas every more
Jan 14, 2015
Photo of Matt L.
5
By:
Jan 14, 2015
I've had this credit card for about four years now, and I love it! It's hard to beat 1% cash back on everything along with 5% cash back on rotating categories like restaurants, grocery stores, and gas. They also offer 5% cash back at Amazon around November/December, which really pays off when I'm shopping for Christmas presents! I choose to receive my cash back in a lump sum about once a year, usually during a month when I've been hit with some unexpected costs, so it's always nice to have that to help out. I think there's only been one time unauthorized purchases were made on my card, but it more
Jan 14, 2015
Photo of Marshal T.
4
By:
Jan 14, 2015
I have had this card for three years. I've called customer service one time and was pleased to get an issue resolved. I've received around $500 cash back each year. 1% back on daily purchases and 5% back on fuel and food. I utilize auto payments for certain transactions.
Dec 24, 2014
Photo of Hrishikesh A.
1
By:
Dec 24, 2014
This company is doomed with the customer service and slow lazy employees. It feels as if these guys dont want people to get credit cards from them.

I applied more than 1.5 months ago. Firstly, they didnt even followup, on whats going on. After 1 week, i called them, and they said, to send an address proof.

I applied for amost 3 different top of the line credit cards, none of them requested for address proof. I still sent them a lease agreement.

Then for 3 more weeks no one corresponded. I kept calling. Recently, they said.. we still cannot process your credit card , "your lease agreement, we got only 1 page, more
Dec 17, 2014
Photo of Natasha C.
5
By:
Dec 17, 2014
This is my preferred credit card. I do all my banking with Chase, and I like the fact that I can review all my accounts on one page. There is no annual fee, which is important to me. I particularly like the cash back offers, and the fact that you get a reminder to sign up for this from the ATM as well. I've needed to contact customer service a few times for various reasons, and I've always had great service with a real human being, rather than having to speak with a machine.
Dec 16, 2014
Photo of Irina K.
5
By:
Dec 16, 2014
I like their bonus program that adds extra cash-back on your purchases
Dec 8, 2014
Photo of Laura H.
4
By:
Dec 8, 2014
I am pretty pleased with this card so far. I've been using it for a little over a year. I chose this card mainly because I could sync it to my bank account which made making payments easier also no annual fees and the rewards they offer. I especially love the 5% back on gas and groceries! Customer service is pretty decent I'd have to say better that. Most I've dealt with in the past. This card has been accepted everywhere I have tried to use it so far. I don't have a ton of cards to compare the Apr too but it seems a little high to me but more
Dec 8, 2014
Photo of Javier O.
4
By:
Dec 8, 2014
One of the things I like about this Chase Freedom card is the $200 bonus. You get it after spending just $500 during the first three months, now that is a sweet deal. The 5% cash back from purchases on Amazon.com is also going to be very beneficial to me. I am getting most of the gifts for my kids that way so that is a sure savings right there. This card is much better than the Capital One VentureOne card I was using before. The benefits are just much better and the interest rate is very acceptable.
Dec 29, 2014
Photo of Courtney H.
Courtney Hayes
Dec 29, 2014
Did you receive your $200 cash back? I only received the $100 cash back (which is what they have changed it to recently). When I signed up for the card and spent the $500, it was still $200 back and actually called about the bonus. The customer service rep told me she would put 20,000 points on my card and I could redeem that for the $200...got my statement and only 10,000 points was added. I WILL be calling in the morning about this. Very disappointed in this.
Dec 4, 2014
Photo of Sabina H.
5
By:
Dec 4, 2014
I have been using Chase Freedom card for more than 5 years. They offer you 5% cash back during different times for things like gas, groceries and shopping at certain stores and 1 % back on everyday purchases. Redeeming the points is so easy, you can even redeem the points at Amazon during checkout!
Dec 4, 2014
Photo of Rachel M.
5
By:
Dec 4, 2014
Out of all my credit cards, this is my favorite. The 5% cash back is great and just a little something extra that you don't have to think about. I've had the card for about 3 years now and they are always the most on top of possible fraud. Chase also provides great customer service.
Dec 4, 2014
Photo of Brett G.
4
By:
Dec 4, 2014
I have this card and have used it as my main credit card for over 6 years. All in all, I am happy with this card. It is linked to my Chase checking account so it is easy to make payments online through the online banking.
Nov 28, 2014
Photo of Carl H.
5
By:
Nov 28, 2014
Great card, especially in the quarters where gasoline is is a 5% cash back category. I also like how if you use the card on Amazon, you can easily redeem your points for Amazon purchases through Amazon's site. I'm very happy with this card.
Nov 24, 2014
Photo of Jen S.
5
By:
Nov 24, 2014
I used to ignore the Chase Freedom offers, figuring they were too good to be true. Then I married someone who banks with Chase, and I realized what I had been missing. Now I use Chase Freedom for everything, and we love with the customer service—especially the fraud coverage.
Nov 20, 2014
Photo of John B.
5
By:
Nov 20, 2014
This is an amazing card. Great rewards (200 bucks if you spend 500 or more in the first 3 months!), great interest rates, and impeccable customer service. If these qualities matter to you at all, get this card. You won't regret it.
Nov 20, 2014
Photo of Justus J.
5
By:
Nov 20, 2014
I opened this card back in college and have been using it for about 8 years now on and off. I think the rewards program of 1% cash back all the time is pretty decent, but I find that the 5% offers that are good for 3 months at a time could be better. Sometimes they are for movies, department stores, and home improvement stores which I don't visit frequently enough to value the rewards. Other times though, they will be for gas, hotels, and flights, which is really helpful in saving money for large transactions, even if it is only 5 cents per dollar.
Nov 18, 2014
Photo of Chris G.
5
By:
Nov 18, 2014
I really like the Chase Freedom Card because it is simple, straightforward, and has no fees. I use this as my everyday card for purchases on everything from groceries to gas to dining out. Additionally, you can earn 5% cash back on this card, and that is a really nice perk. I typically use that cash back towards paying off my balance.
Nov 14, 2014
Photo of Stephanie S.
4
By:
Nov 14, 2014
I applied for the Chase Freedom Card over a year ago and it is one of my favorites cards. I have earned quite a few rewards by using it (even just by applying) so it was a great investment. I got the card quickly and have never had an issue with Chase.
Nov 11, 2014
Photo of Jim P.
4
By:
Nov 11, 2014
I think the Chase Freedom card is a very strong card option for someone with excellent credit,who is looking for a cash - back credit card with average APR interest rates. Personally, unless you are trying to carry a balance I think most people would be better off with one of Chase's many Rewards branded cards, such as my favorite the Chase Sapphire Preferred which is a fantastic card for traveling and eating out at restaurants and gets to use Chase Ultimate Rewards which is a great tool for booking travel and utilizing rewards points.

Good rule of thumb, if you're EVER going to carry a balance get a cash more
Nov 6, 2014
Photo of Dee G.
5
By:
Nov 6, 2014
I have the Chase Freedom Cash Back credit card, and it is really fantastic. It’s so easy to earn cash back with the 5% redemption rate. This is really a card I can use every day, and I use the card for my all my purchases, large and small, so that I can earn the maximum amount of cash back. Additionally, I can earn cash bonuses when I spend a certain amount of money The customer service is also really great. I always get my questions answered quickly and efficiently both online and over the phone by customer service representatives. This is a great card to have!
Nov 6, 2014
Photo of Yasmina R.
4
By:
Nov 6, 2014
Freedom Chase credit card is about average to other credit cards but I am happy with their rewards program and offer various bonuses. For example $25 bonus dollars after you add a user and $100 dollars when you spend $500 in 3 months. The customer service for this card is reliable and helpful. They guided me through all the Credit card policies and gave me tips in the event something would go wrong. The Freedom from Chase is accepted in virtually any place. Good for travel, shopping or dining out. .No annual fee and rewards never expire.Use it and get rewarded. I would recommend it.
Nov 4, 2014
Photo of Christina B.
5
By:
Nov 4, 2014
I love Chase Freedom for the flexible rewards points and great credit limit.
Oct 17, 2014
Photo of Grant H.
2
By:
Oct 17, 2014
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:
Oct 14, 2014
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 H.
5
By:
Oct 7, 2014
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:
Oct 7, 2014
I love the rewards you get with this card! I have already made back over $100!
Oct 7, 2014
Photo of Donna M.
5
By:
Oct 7, 2014
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:
Oct 1, 2014
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:
Sep 26, 2014
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:
Sep 26, 2014
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:
Sep 26, 2014
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:
Sep 24, 2014
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:
Sep 24, 2014
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.
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Jan 20, 2015
Photo of Renae D.
By:
Jan 20, 2015
I've never had a credit card, so my credit is poor. A friend recommended the Chase Freedom card as a good starter card. Any idea what my credit score might need to be to get approved for this card before I apply for it..?
Jan 30, 2015
Photo of Card H.
Jan 30, 2015
You need to have excellent credit to get the Chase Freedom card. This is a FICO score above 720. However, an excellent credit score isn’t always sufficient to be approved. While your credit standing is a very important factor it’s not the only one. There are other variables that may play a role such as outstanding debts, your job status and income.
Dec 2, 2014
Photo of John Y.
By:
Dec 2, 2014
I recently applied and was approved for the Chase Freedom card.

If I already have another card that is owned to chase (I already have the Amazon Rewards Visa), will I still be eligible for the $200 bonus if I spend $500 within the first three months of opening the Freedom card?

Thanks in advance!
Feb 2, 2015
Photo of Card H.
Feb 2, 2015
According to Chase's website the $100 bonus for spending $500 on purchases in the first 3 months is not available to current holders of this credit card or to previous cardholders that received a new bonus for this specific card in the last 24 months. So, it seems it won't be a problem for you to get a bonus if you don't fall in any of these categories.
Oct 20, 2014
Photo of Kristi S.
By:
Oct 20, 2014
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:
Feb 22, 2013
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.
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.
Sep 20, 2012
Photo of Dee P.
By:
Sep 20, 2012
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: Feb 25th, 2015 at 1:45 EST