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.
Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.
- Annual Fee $0
- Intro Purchase APR 0% for 15 months
- Regular Purchase APR 16.49%–25.24% Variable
- 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
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.
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.
New purchases are covered for 120 days against damage or theft.
Get reimbursed if you find a purchase you made being advertised at a lesser cost within 90 days.
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 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 assistance is available 24/7 if you get in trouble while driving. Just call 1-800-847-2869.
Zero Liability Protection
You won’t be held responsible for unauthorized purchases (contact customer service immediately).
Sign up to get notified of any possibly fraudulent card activity.
Real-time fraud monitoring software to help protect your account.
Read about experiences others have had with this card and leave your own review here.
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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.