Chase Freedom®

Chase Freedom® Sponsored Card
Required Credit Score: Excellent
4 1392 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 July 1 and September 30, 2014 at gas stations and Kohl's®
  • 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
Apply Now
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Chase Freedom® Reviews

 
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3.9
Overall Rating: 3.9 / 5
Total Ratings: 1392
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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.
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 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.
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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: Aug 29th, 2014 at 1:37 EDT