- 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 Amazon.com. It’s free and easy to activate your bonus each quarter!
- ANNUAL FEE None
FEE 3% (min $5)
Chase Freedom®’s Additional Info
- MAX LATE FEE $35
- MAX PENALTY APR None
- GRACE PERIOD 21 days
- ONLINE RESPONSE No
RATE 24.99% (V)
FEE 5% (min $10)
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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no matter how much I spend , I never got any ultimate reward points which means NO cash back reward AT ALL!
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 before December 31, 2014 at Amazon.com, Zappos.com and select department stores. This can be great for the Christmas purchases. That's like an extra 5% coupon just for using your card.
It seems as if they change the categories around every 3 months for what they give your the bonus cash back on. That kind of stinks for me as I don't want to have to keep track of my rewards that closely. I just want them to show up on my statement without me thinking about them. It says, "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!" Sounds like there is work involved with getting my rewards and I don't like that idea one bit. Then there is the unlimited 1% cash back on all other purchases. Now, that I understand. I spend money, they give me 1% on all purchases. Sounds like no work involved, my kind of bonus.
There is no over the limit fee, which is good. I have gotten caught with that charge before and it stinks. There is a late fee of $35 dollars which seems pretty standard now days and you get a 21 day grace period. What would really eat my lunch on this credit card is the cash advance fee. They are charging 23.99% interest on cash advances and a penalty APR of 29.99%...OUCH! At that rate you might be better off with your neighborhood loan shark.… more
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Last updated on: Oct 1st, 2015 at 11:27 EDT