Chase Freedom


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 5% cash back bonus categories from 2018, plus the 2019 categories for the first quarter:

QUARTER 5% CASH BACK CATEGORY
2018: January – March Gas Stations, Internet/Cable/Phone Services, Various Digital Wallets
2018: April – June Grocery Stores, PayPal, Chase Pay
2018: July – September Gas Stations, Lyft, Walgreens
2018: October – December Department Stores, Wholesale Clubs, Chase Pay
2019: January – March  Gas Stations, Tolls, Drugstores

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, with a 17.24%–25.99% 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).

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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 17.24%–25.99% Variable
Intro Purchase APR 0% for 15 months
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature
Minimum Credit Limit $500
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $38
Returned Payment Fee Up to $38
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 15 months
Regular Balance Transfer APR 17.24%–25.99% Variable
Balance Transfer Fee 5%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 26.99% Variable
Cash Advance Fee 5%, $10 minimum

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.

  • 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 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.

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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.

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