Skip to content
RATING

Chase Freedom®

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

The Chase Freedom Visa has been replaced by the Chase Freedom Flex℠ (Review), a similar card with an expanded rewards program that makes this already-great offer even better.

The information related to Chase Freedom Flex℠ has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 14.99% - 23.74% Variable
Intro Purchase APR: 0% Intro APR on Purchases for 15 months

Chase Freedom®

Our rating
Good Min. credit level
$0 Annual Fee
Read Our Review

Highlights & Features

Rewards

  • 5% cash back on Lyft purchases (through March 2022)
  • 5% cash back on rotating categories, up to $1,500 in spending each quarter, then 1%
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 14.99% - 23.74% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee See Terms
Returned Payment Fee See Terms
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3% of each transaction in U.S. dollars
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 24.99% Variable
Cash Advance Fee Either $10 or 5% of the amount of each transaction, whichever is greater.
How to Get a Cash Advance with a Credit Card
Chase Freedom®

Highlights

  • $200 bonus for spending $500 in the first 3 months
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases – it’s automatic
  • 0% Intro APR for 15 months from account opening on purchases, then an APR of 14.99% - 23.74% Variable
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
ABOUT THE ISSUER

Chase

Chase has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-432-3117 or

Try a different phone number
See all Issuer Cards
Insider tip

The Chase Freedom has been replaced by the Chase Freedom Flex℠ (Review).

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 current and recent 5% cash back bonus categories:

Quarter 2021 Categories 2020 Categories
January – March
  • Wholesale Clubs
  • Internet
  • Cable/Phone Services
  • Select Streaming Services
  • Gas Stations
  • Select Streaming Services
  • Internet, Cable, Phone Services
April – June
  • Gas Stations
  • Home Improvement Stores
  • Grocery Stores
  • Fitness Club & Gym Memberships
  • Select Streaming Services
July – September
  • Grocery Stores (excluding Target and Walmart)
  • Select Streaming Services
  • Amazon
  • Whole Foods Market
October – December
  • Walmart
  • PayPal
  • Walmart
  • PayPal

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).

The information related to Chase Freedom® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Scroll to top