Chase Freedom®

Required Credit Score:
Excellent
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Chase Freedom®’s Rewards

Bonus
$150
Base Earn
1 %
Max Earn
5 %
  • Earn a $150 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
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories every 3 months like Gas Stations, Restaurants, and Select Grocery Stores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards never expire as long as your account is open
  • No Annual Fee

Chase Freedom®’s Key APRs & Fees

Purchase Intro APR
0% for 15 months
Transfer Intro APR
0% for 15 months
Regular APR
14.24% - 23.24% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER
    FEE
    3% (min $5)

Chase Freedom®’s Additional Info

  • MAX LATE FEE   $37
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   None
  • GRACE PERIOD   21 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE
    RATE
    25.24% (V)
  • CASH ADVANCE
    FEE
    5% (min $10)
  • FOREIGN
    TRANSACTION FEE  
    3%
  • SMART CHIP   Yes, chip-and-signature
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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.

What is the minimum payment?
Reply

Photo of Card H.
Jan 6, 2016
Generally, the minimum payment is the greater of $25 or 1% of your revolving balance, plus interest and fees. If your balance is less than $25, your minimum payment will be equal to your balance. Your specific minimum payment should be listed on your monthly bill, and you can also find out what it is by calling Chase customer service at: 800-432-3117. Hope that helps!
25 Votes 26 1

No matter how much I spend, I never get any points - which means no cash back rewards at all. What is the issue?
Reply

Photo of Card H.
Jan 19, 2016
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.
20 Votes 21 1

Is there a balance transfer fee?
Reply

Photo of Card H.
Dec 10, 2015
Yes, this card has a balance transfer fee of 3% (min $5). If reducing the cost of existing debt is your top priority, you might want to consider another Chase credit card. The Slate Card from Chase offers a 0% introductory rate on transferred balances for the first 15 months and doesn’t charge either a balance transfer fee or an annual fee. Our reviews of Freedom ( cardhub.com/edu/chase-freedom-review/ ) and Slate ( cardhub.com/edu/chase-slate-review/ ) should help you decide. Good luck, and please let us know if you have any other questions!
15 Votes 15
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Customer Reviews

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3.8 out of 5

1,981 reviews
32%
35%
21%
8%
4%
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 Monica R.
Jan 11, 2016
Have been a Chase customer for decades and I charged a fortune on the Freedom card and always paid my bill down to zero. However they refused to work with me on a $161 interest charge when I was a few days late on payment once. They were more interested in moralizing about "fairness" than keeping my business and when I told them they lost a good customer they didn't seem to care. I've never had a credit card behave this way and will no longer be using the Freedom card.
Photo of JadeLhyn K.
Jan 4, 2016
I was extremely satisfied with this Chase Freedom Card. I love bonuses! And this one offers the best bonus and rewards! Spending Five-hundred dollar on my first three months, I received A hundred-fifty sign up bonus! And looking forward to get more rewards. Overall, this card deserves a two thumbs-up and a four-star so far. I will make it a five-star sooner or later. We'll find out soon. ;)
Photo of Jerry B.
Jan 4, 2016
The Chase Freedom card sets a high standard. I received a $150 sign up bonus (after spending $500 in 3 months). During this past Christmas season they also offered 10% cash back from Amazon. Which means that for the approximately $1000 I spent at Amazon, I received $250 cash back. When coupled with the lack on an annual fee and 0% APR for the first 15 months, it's a hard card to beat. The reward categories/merchants do change quarterly and are normally 5%. For Jan-Mar it's gas stations & Apr-Jun is grocery stores. Far better than some of the categories that competing cards offer.
Photo of MinecraftRabbit C.
Dec 31, 2015
I absolutely love this card. Using it is always a pleasure with all of the cash back options it offers including the rotating 5% cash back and the 1% cash back. In addition with the 0% APR during the first 15 months it makes using this card a pleasure. The customer support system at Chase is an absolute dream. They are able to quickly sort out any issues/problems that you possibly have had. Overall it's a wonderful card with many positive features that I would happily choose again and again.
Photo of Brandon P.
Dec 29, 2015
I've had my Chase Freedom now for about 5 years. I use the card for all of my personal purchases. I love the fact that there are different categories for cash back rewards that change every quarter. I'm only rating this card 4 stars because I wish they would let you personally choose the categories you want for the 5% Cash Back instead of them choosing it for you. Often times, some of the categories they offer are things I don't usually purchase. Still, regardless of that, I get 1% on everything else and I'm pretty happy with that. I have earned a lot of cash back already and am more
Photo of Suzi P.
Dec 28, 2015
This is the best credit card I have ever used. The APR is 0% for the first 15 months. I love the rewards you could earn with this card. We buy literally everything with this credit card and we always shop where we can get 5% rewards and then the 1% in addition to that. We have made as much as $70 in reward money in one month. The rewards never expire, so we can let them build up as long as we want to. Over the course of a year this is better return than I can get investing in a CD or savings account!
Photo of Stephanie C.
Dec 28, 2015
I look forward to using this credit card because I am a shopaholic and I love the fact that it has Purchase Intro APR and Transfer Intro APR 0% for 15 months. And it has none MAX PENALTY APR . The Chase Freedom Card maximum late fee is only $37. I will be able to earn $150 while spending on my first 3 months. So i'm really looking forward to start using Chase Freedom Card.
Photo of Dantei R.
Dec 20, 2015
I have been using my Chase Freedom card for a little over 4 and a half years now, and I can honestly say that I love and trust my Chase freedom card. There have been little to no problems so far, and if I do have a tiny problem, then all i have to do is call up my local Chase bank, and they will solve the problem in no time. They are very fast and efficient, and I always enjoy doing business with them. I am very happy and satisfied wit the whole service, and will continue with them in the future.
Photo of Maria H.
Dec 20, 2015
I have had my Chase Freedom card for about a year and I'm quite pleased with it. The intro APR at 0% is to be expected, but what I really liked were the rewards you could earn with this card. If you shop only with your credit card, you can earn so much back. I always like to shop where I can get 5% rewards and then the 1% on top of that really helps. I also like that rewards don't expire, so I can save up for an entire year or even years if I wanted to for a vacation or a big purchase item! And no annual fee more
Photo of Jaya B.
Dec 14, 2015
Freedom was one of the most exceptional designs of prepaid cards that i have very used.It considerably increase my liking to wards varieties of design cards and I'm grateful for the card designers for giving such a great opportunity to become a part of it in the list of members using the card.
Photo of Scott M.
Dec 9, 2015
I got this card about a year ago. The 0% APR for 15 months was pretty awesome because I got it around Christmas time last year, I was able to use it for all my Christmas shopping. I also got 100 dollar bonus which was really awesome. I like the rewards categories also, there is alot of stuff my wife likes so it keeps me happy. All in all , this is a great card and I couldn't recommend it enough.
Photo of Ian G.
Dec 9, 2015
I really enjoy this card but it is not my "go to" card. It all depends on which rotating purchases provide the most rewards. If gas or groceries are up for a greater cash back than my other cards, then I will obviously use it. Unfortunately that is not always the case so I find myself utilizing a different card for those purchases. The initial bonus is nice if you can afford to reach it. I'll never turn down $100 for things I am buying anyway! This is a great card, but you really have to watch the rotating rewards.
Photo of Troy A.
Dec 9, 2015
I've been using this card for a few years now. Overall, its a very solid card, especially around the holidays. the 1% cash back on everything is nice, however there is always a 5% cash back option like gas, Zappos, Kohl's, or Amazon. Amazon is always around December, so it fits my shopping habits very well. Overall, the card is very solid in its offerings and it comes with no annual fee which I was even a bigger fan of.
Photo of Michelle L.
Dec 7, 2015
I signed up for this card because of the sign-up bonuses that came with it. I didn't have much expectation, but I have to say...of the 6 credit cards I currently have to choose from, Chase Freedom is the only one that I use! The 0% APR for the first 15 months got me out of a bind and the cash back bonuses are absolutely amazing! I can't believe how much cash I've earned on this card! I have recommended this card to many of my friends and family and I am completely satisfied with my decision to choose this card!
Photo of Ella L.
Dec 7, 2015
This is a wonderful card to use, especially if you like rewards. You get 1% on every purchase, which is nice, and 5% back on rotating categories. The categories are usually always something that you can use, and throughout the year I get a lot of money back this way, on things I would normally buy regardless. The statements are very clear and easy to understand, and their customer service helpline is always very informative and understanding.
Photo of Michael H.
Dec 5, 2015
I like this card because it's a great way to earn cash back for beginners. With quarterly bonuses that double that cashback, I feel like I'm making a wise investment in myself by using it. The first 15 months come interest free, so it's a great time to build up significant cash rewards before you have to worry about avoiding interest charges.
Photo of Nate W.
Nov 26, 2015
I was pleasantly surprised to get approval with my 640 score. I mainly wanted this card so I could use it with Samsung Pay on my phone as I didn't have a compatible card. Sure enough I was approved and now use it with Samsung pay. It works slick as a regular chip card too, but that's not my main use for it. The interest rate isn't terrible either. My only wish is that my Credit Limit was higher but I'm sure that'll come with time.
Photo of Dee W.
Nov 25, 2015
I really love the Chase Freedom card because of the great benefits I get by using it. They have rotating categories throughout the year that give you 5% back on everything you purchase in those categories. You also always get a guaranteed 1% back on every other purchase that you make. I get a lot of reward cash back each quarter and it is a great perk for money that I am spending anyway!
Photo of Kevin V.
Nov 23, 2015
This is the first credit card i've ever had. I've always been weary with cards but as I get older I realize i need to improve my credit score. I liked the points back in the beginning, which gave me almost $300 in cash back, but I'm not getting any points anymore even though I continue to use the card frequently. I also love the 0% APR for the first 15 months. Other than that, it's pretty easy to use so far..
Photo of James M.
Nov 23, 2015
I really enjoy this card. It gives you 1% on all purchases and every quarter it gives you catgories that give you 5% cash back. Some categories are: on gas, movies, amazon, restraunts. Just depends on the quarter. I would highly recommend this card.
Photo of Joshua R.
Nov 22, 2015
I have had a Chase Freedom card for a few years, and I think it is great. It is really easy to transfer and withdraw money to and from the card. I only had a problem with the card once when I was trying to buy something from the store, and my card was logged out . I was a little frustrated and so I called them about the issue, and they solved it right away. i was very satisfied with the whole thing.
Photo of Kent N.
Nov 20, 2015
The great things about this card were the initial 0% apr and the cash back. Unfortunately it can be a bit confusing to manage the cash back categories and the way the points are redeemed; I wish the way this program works was simpler. However, if you take time to really understand it, the potential cash back is one of the best of any card out there. The APR tends to be on the high side after the free period expires, so that's a downside. It's definitely a card for people who have a habit of paying their bill (or most of their bill) every month.
Photo of Brigette P.
Nov 19, 2015
The card itself offers cash back during the entire year. The categories switch every season. However, the categories are for everyday purchases like gas stations or grocery stores. Overall the card is what you would expect from a big financial instituion. It gets the job done, but it is nothing special. One can expect the usual features and protection from a big banking instituion.
Photo of Susan F.
Nov 10, 2015
I've had the Chase Freedom Card for 12 years and it has gotten increasingly better as it has continued to offer the highest cash back of any card that I've seen. If you pay your balance every month you will profit from using it for every purchase. They also provide excellent customer service.
Photo of شيوا .
Nov 9, 2015
I applied for a Chase Freedom card in mid-October, I got a call a week after and was asked couple of questions and then they said I got approved for the card then I got an email saying I should get the card in 7-10 business days, more than 2 weeks passed I didn't get the card, called to see what has happened and they said the card has been closed because my address has not been deliverable!!!!! How come my address not deliverable only for Chase now? Who is responsible for dropping the credit score for opening and closing a card? So annoyed! Have been on the phone with more
Photo of Jennifer C.
Oct 26, 2015
The initial bonus is awesome! However, look closely at your interest rate because on this card it tends to run really high. While 5% sounds like a really high cash back rate, it rotates to different stores quarterly so it isn't that great if you don't happen to use those stores in that quarter. However, you could potentially get 5% back which is awesome, especially since this quarter one of the stores is Amazon and that's where I do my Christmas shopping!
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 Amazon.com 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
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Last updated on: Feb 3rd, 2016 at 2:29 EST

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