Chase Freedom®


For People with
Good Credit

Learn how to apply for this card.

REVIEWS

Reviews

The Chase Freedom is a Visa cash back card that offers 5% cash back in select categories, which rotate every 3 months. You’ll get that rate on the first $1,500 spent per quarter in those categories, after which it drops to 1% back.

If you find yourself making purchases in these categories every year, the Freedom card could be a great addition to your wallet. Take note that you’ll need to activate the 5% bonus categories every quarter.

Here are the recent 5% cash back bonus categories, plus the 2019 categories up to the third quarter:

QUARTER 5% CASH BACK CATEGORY
2018: October – December Department Stores, Wholesale Clubs, Chase Pay
2019: January – March  Gas Stations, Tolls, Drugstores
2019: April – June Grocery Stores, Home Improvement Stores
2019: July – September Gas Stations, Streaming Services (includes Netflix, Hulu, Sling, Vudu, FuboTV, Apple Music, SiriusXM, Pandora and Spotify)

There’s also a $150 introductory cash bonus, which you can get by spending just $500 in the first 3 months after account opening. This card is issued as a Visa Platinum if your credit limit is below $5,000. If your credit limit is $5,000 or above you’ll get a Visa Signature, with slightly upgraded benefits.

You’ll get a 0% Intro APR on Purchases introductory APR on both purchases and balance transfers for 15 months, quite a nice offer on a rewards card, with a 16.99% - 25.74% Variable APR after that.

This card features contactless technology, allowing for quick tap-and-go payments.

For a similar card that offers 1.5% cash back on every purchase you make, check out the Chase Freedom Unlimited Credit Card (Review).

For People with
Good Credit

Learn how to apply for this card.

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 5% cash back on rotating categories, up to $1,500 in spending each quarter, then 1%
  • 1% cash back on all other purchases
How to Redeem

Introductory Bonus

  • $150 cash bonus after spending $500 on purchases in the first 3 months after account opening
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 16.99% - 25.74% Variable
Intro Purchase APR 0% Intro APR on Purchases for 15 months
Foreign Transaction Fee 3% of each transaction in U.S. dollars
Chip Technology Chip-and-Signature
Minimum Credit Limit $500
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $39
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% Intro APR on Balance Transfers for 15 months
Regular Balance Transfer APR 16.99% - 25.74% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advances

Cash Advances

Cash Advance APR 26.99% Variable
Cash Advance Fee Either $10 or 5% of the amount of each transaction, whichever is greater.

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • $100 Cash Back for Referring Friends

    Earn $100 cash back for every friend you refer, up to $500 per year. Must use your personal referral link.

  • Chase Credit Journey

    Chase’s Credit Journey provides access to your VantageScore 3.0, based on your TransUnion credit report. Includes key factors and details from your report.

  • Zero Liability Protection

    You won’t be held responsible for unauthorized purchases (contact customer service immediately).

  • Fraud Alerts

    Sign up to get notified of any possibly fraudulent card activity.

  • Fraud Protection

    Real-time fraud monitoring software to help protect your account.

  • Purchase Protection

    New purchases are covered for 120 days against damage or theft.

  • Extended Warranty Protection

    Eligible warranties of three years or less can be extended by an additional year.

  • Travel and Emergency Assistance Services

    Call for help if you get in trouble of any kind for legal and medical referrals, among other types of assistance.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision damage for eligible rented vehicles (must decline the rental company’s insurance).

  • Roadside Dispatch

    Roadside assistance is available 24/7 if you get in trouble while driving. Just call 1-800-847-2869.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review
1
2
3
4
5
Submit
     
Cancel

Create your own review

Average rating:  
 1 reviews
by Brian
Great rewards card

This is an excellent rewards card, with a pretty nice sign up bonus. I have this card coupled with the Discover It card, and choose which card to use at whichever one gives me the 5% back for that merchant (it is annoying when both cards have the same categories for the same quarter though). Having the Visa logo makes this card more widely accepted. In my experience, Chase does seem to be quite conservative about who they approve and with credit limits, however.

The Insider

Abigail Welles
How to Protect Yourself From Credit Card Fraud: Scams, Skimmers, and Phishing
Abigail Welles | Sep 20, 2019

Do you know what a credit card skimmer is? You may have swiped your card through one without even knowing, leaving your information in the hands of a thief.

Read More
Jacob Lunduski
2019 Survey: 40% of Retail Store Credit Cardholders Regret Applying
Jacob Lunduski | Sep 19, 2019

Do you have a retail store credit card? Is it useful, or do you get hit with interest and fees? Learn why so many people regret getting store cards here.

Read More
Abigail Welles
What Is a Data Breach and What Should I Do If I Am a Victim of One?
Abigail Welles | Sep 17, 2019

Data breaches are more common than ever, exposing the confidential information of millions of Americans each year. Have you been involved in a breach?

Read More