Chase Freedom®

chase freedom Sponsored Card
Required Credit Score:
Excellent
4 1,738 reviews   Write a Review
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Chase Freedom®’s Rewards

Bonus
$100
Base Earn
1%
Max Earn
5%
Earn / Redeem Limit
No
  • Named a Best Card for Cash Back by MONEY® Magazine
  • 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 you 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 4/1/15-6/30/15 at Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®.
  • 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% (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
    24.99% (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
Apply Now
at Chase’s
secure site
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Chase Freedom® Reviews

 
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3.9
Overall Rating: 3.9 / 5
Total Ratings: 1738
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Apr 16, 2015
Photo of Patty G.
4
By:
Apr 16, 2015
I have had the Chase Freedom credit card for the last 4 years and I am very satisfied with it. I already have a Chase checking account so it is very convenient to link both of them. The bonuses and the 0% intro rate are great. You always get 1% cash back anywhere and they offer 5% cash back on different categories.
Apr 16, 2015
Photo of Shawn U.
4
By:
Apr 16, 2015
My parents and I have the Chase Freedom Card and we love it! One really good part about signing up for this is you get a free $100 after you spend your first $500 . The catch to that is you must do it in the first 3 months of opening your account. I like that you also get 0% interest for the first 15 months. If you are really looking to get a project done at home and need the money now because you dont want to wait, you should sign yourself up for one of these cards today!
Apr 10, 2015
Photo of Andy B.
5
By:
Apr 10, 2015
I have been using the chase freedom card for about 2 years now. I got 100 cash back after spending 500. I now use it as my main way of buying things and get 1%-5% on everything I buy. I am a huge fan of the rotating categories. The cash back system works great and they have an auto pay system that lets you fully pay off your bill so that you never get charged interest.
Apr 10, 2015
Photo of Sarah F.
5
By:
Apr 10, 2015
I have had this card for several years, and have enjoyed redeeming the points for cash back or credit to my balance. I also have benefit from their fraud protection service - at one time I attempted to purchase designer boots from a web site that turned out to be fraudulent. Chase did not allow the purchase to go through, and I received an email (promptly) to call Chase to verify this purchase or to cancel it altogether. I appreciated that as I would have been out of several hundred dollars (or worse, had my credit card # compromised).
Apr 6, 2015
Photo of Shalita T.
4
By:
Apr 6, 2015
This card has produced a very satisfactory experience. I have had little issues with the customer service and have always been provided accurate information. The interest rate was reasonable for someone who had limited credit experience.

They also have a great fraud protection program. I had random unauthorized charges from a completely different country on my card. Chase contacted me immediately to remove the charge from my account.

The opportunity for balance transfers is a nice benefit as well. Most have an introductory rate of 0 percent for the first 12 months and easily accessible.
Apr 6, 2015
Photo of Ritu C.
5
By:
Apr 6, 2015
i am using chase credit card from almost three years and i just love this card. it give 5% cash back on purchase of different items on amazon.com, gas station and restaurants so this card can be called money saver card. it gave me $100 bonus on $1000 purchase in first three months from account opening. This was easy as you would easily spend that much on a card. You will have to wait for the offer in the mail to avail this offer. The customer service of this card is really good they fix your issues as soon as possible. of all the credit cards i have this card more
Apr 2, 2015
Photo of Michelle H.
5
By:
Apr 2, 2015
I have had my Chase Freedom credit card for two years now and have never had any major problems. I do online banking and I find their site really simple to use. What's more, I travel internationally regularly and have always found it super easy to call and put a notice on my card so that I can use it abroad. In some countries, you need a pin number rather than a signature if you would like to use the card and Chase Freedom details how to set that up for American card holders when asked. My card has never been refused anywhere, especially because Visa is a widely-accepted card. more
Mar 27, 2015
Photo of George B.
5
By:
Mar 27, 2015
I have had my Chase Freedom credit card for years. I have found their terms to be excellent. They often have offers to borrow money for a year at very low interest rates. The cash back and rewards program has been easy to use and to redeem the awards.
Mar 23, 2015
Photo of Roberta L.
5
By:
Mar 23, 2015
I have used my Chase Freedom credit card often and have never had any problems with it in stores or online. The customer service is informative and courteous. The fees and apr are affordable. The cash back and rewards programs are not hard to achieve so you feel like you get something back! I will continue to use this card in the future, and will recommend it to anyone who asks me about credit cards!!
Mar 20, 2015
Photo of Dane J.
3
By:
Mar 20, 2015
This card works at every retailer. We have had no problems with it being accepted. The rates are not bad, and the rewards program was giving us cash back for a while, which was really nice. We'd hear nothing about it for a while, and then redeem our points and get $200 back, which felt good, and so we'd keep using this card. We got rid of our other cards.
Mar 13, 2015
Photo of Scotch T.
4
By:
Mar 13, 2015
I really love this card. The rewards program for this card is so benefiting that sometimes I forget to even redeem my points. What I really love about this card is its customers service toll line since other credit cards such as the Capital One card which has a very horrible customer service.
Mar 12, 2015
Photo of Jonathan C.
5
By:
Mar 12, 2015
I love the Chase Freedom credit card because it shows that you have an excellent credit score if you are carrying one around. I also like the $100 bonus you receive after spending $500 worth of purchases during the first three months of opening your account. Compared to other credit cards i have, i seem to use this one more than others as it also has 1% unlimited cash back on all purchases which makes me even happier. Also i never had a bad experience with any of their employees at any branch and all seem to be extremely friendly which is an added plus.
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.
Mar 8, 2015
Photo of Logitech S.
5
By:
Mar 8, 2015
I really love this card. The rewards program for this card is awesome. The best way to make use of this card is to make it your everyday use card. You can make really easy points when you buy coffee in the morning and pay with this card. Also you can use this card when making heavy amounts of purchases.
Mar 6, 2015
Photo of Danielle A.
4
By:
Mar 6, 2015
I haven't had any problems with Chase or the Freedom card and I have been happy with my choice. I was offered the 0% APR for 15 months and I am close to coming to the end of that promotion. They do offer 5% cash back rewards on different types of purchases each quarter which is an added bonus. This month alone I've earned about $25 just for using my card at Starbucks where I usually pay cash. I do know the interest will be quite high once my 0% is over so I am not looking forward to that but overall this card is a great credit option.
Mar 1, 2015
Photo of Simran K.
4
By:
Mar 1, 2015
I really love this card. It has 0% APR for the first 15 months on a purchase. So when ever I buy something expensive this card helps me payback but with no tension . I love the fact that my reward points never expire meaning I can save up and use them for something big. Somethings that I would change are the card design. The design has been the same for quite a long time and it looks very boring. The card should be made out of steel. Overall this is an excellent card.
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 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
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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: Apr 16th, 2015 at 9:26 EDT