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The Chase Freedom Student is a solid offer for young students with limited or no credit history. For no annual fee, it offers 5% cash back for Lyft and 1% elsewhere, with a $20 anniversary bonus and automatic credit line increase.
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The Chase Freedom Student comes as a Visa Signature if your starting credit limit is $5,000 or more. Otherwise, you’ll receive a Visa Platinum. The shopping and travel protections you get may differ between card types.
|Purchase APR||Balance Transfer APR||Cash Advance APR|
|14.99% Variable||14.99% Variable||24.99% Variable|
|Annual Fee||Foreign Transaction Fee|
|$0||3% of each transaction in U.S. dollars|
|Balance Transfer Fee||Cash Advance Fee|
|Either $5 or 5% of the amount of each transfer, whichever is greater||Either $10 or 5% of the amount of each transaction, whichever is greater|
|Penalty APR||Late Fee||Returned Payment Fee|
|See Terms||Up to $39||Up to $39|
Click the “How to Apply” button below to start your application.
Chase will usually give you an answer immediately, either approved or denied. Some applicants may need to wait for a decision, and in some cases Chase will ask for more information.
The Chase Freedom® Student credit card is designed for students who haven’t built up much credit history yet, so it’s accessible to those with limited or no credit. Having a thin credit file shouldn’t hold you back.
Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.
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