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Chase Freedom®

chase freedom credit card Sponsored Card
Required Credit Score:
Excellent
4 1,664 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%

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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1 2 3 4 5
 
3.9
Overall Rating: 3.9 / 5
Total Ratings: 1664
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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 17, 2014
Photo of Christina G.
5
By:
Dec 17, 2014
My Chase Freedom Cash Back Credit Card is the best. This is a card I use for every day purchases, from gas to groceries to restaurant charges. I also use it on bigger purchases like hotels, flights, and vacations because you can easily earn large amounts of cash back. With the 5% cash back rate, you earn more quickly than you think . I also go this card with a 0% interest rate for 15 months, and they typically run special transfer promotions so you can transfer a higher balance from another card and have 15 months to pay it down with 0% interest. I would recommend this card for more
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 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 J.
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.
Sep 24, 2014
Photo of Ade H.
5
By:
Sep 24, 2014
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:
Sep 18, 2014
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:
Sep 18, 2014
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:
Aug 29, 2014
My favorite cash back card...
Aug 28, 2014
Photo of Susan R.
4
By:
Aug 28, 2014
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:
Aug 25, 2014
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:
Aug 23, 2014
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:
Aug 8, 2014
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:
Aug 6, 2014
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:
Jul 24, 2014
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:
Jul 22, 2014
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.
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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!
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: Dec 18th, 2014 at 6:22 EST