Chase Freedom

The Chase Freedom is a cash-back card that offers 5% back in selected categories, which rotate every 3 months.

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.

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% introductory APR on both purchases and balance transfers for 15 months, quite a nice offer on a rewards card.

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

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Quick View

Quick View

  • Rewards
    • 5% cash back on rotating categories, up to $1,500 in spending each quarter
    • 1% cash back on all other purchases
  • Signup Bonus $150 cash bonus after spending $500 on purchases in the first 3 months, $25 after adding an authorized user and making a purchase in the first 3 months
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 3%
  • Intro Balance Transfer APR 0% for 15 months
  • Regular Balance Transfer APR 16.49%–25.24% Variable
  • Cash Advance APR 26.49% Variable
  • Penalty APR See Terms
  • Late Fee Up to $37
  • Returned Payment Fee Up to $37

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

Perks

  • Possible Visa Signature Benefits

    Your card may come as a Visa Signature, with better benefits. Contact customer support to request an upgrade.

  • $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.

Shopping

  • Purchase Protection

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

  • Price Protection

    Get reimbursed if you find a purchase you made being advertised at a lesser cost within 90 days.

  • Return Protection

    If a merchant won’t take back your eligible item, you can be reimbursed up to $250.

  • Extended Warranty Protection

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

Travel

  • 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 for 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.

Security

  • 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.

Visitor Reviews

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

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