Chase Freedom®

Overall Rating

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.4/5.0 from 2,056 Cardholder Reviews

 

2,056 Cardholder Reviews

Write a Review!

Add to Compare
Intro APR: 0% for 15 months on purchases and BTs*
Regular APR: 13.99%-22.99% Variable*
Intro Balance Transfer: 0% for 15 months on purchases and BTs*
Ongoing Balance Transfer: 13.99-22.99% Variable*
Annual Fee: $0
Credit Needed:
 
Excellent Credit

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent/Good

Highlights

  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between 1/1/15–3/31/15 at grocery stores (not including Walmart® and Target® purchases), movie theaters, and Starbucks® stores
  • You’ll enjoy new 5% categories every 3 months like restaurants, gas stations, and Amazon.com. It’s free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire as long as your account is open

Details from the CompareCards.com Editorial Team

From the CompareCards.com Editorial Team:

The Chase Freedom Card offers a $100 bonus cash back to new card members after spending at least $500 on purchases with the card during the first three months from account opening. Cardholders can also earn a $25 Bonus after you add your first authorized user and make a purchase within the same 3-month period. 

As far as the standard mechanics of the card go, there are also other generous benefits. While there are ways to get up to 5% cash back on some types or categories of purchases, you can earn a reliably steady 1% cash back on virtually everything you pay for with Chase Freedom.

Addtionally, card holders receive 0% for 15 months on balance transfers and purchases. There is no annual fee and depending on your credit, you’ll get a decent APR between 13.99% and 22.99% variable.

Expert Reviews of the Chase Freedom®

by

Overall Rating
  • star
  • star
  • star
  • star
  • star
Introductory APR
  • star
  • star
  • star
  • star
  • star
Benefits
  • star
  • star
  • star
  • star
  • star
Fees
  • star
  • star
  • star
  • star
  • star
Regular APR
  • star
  • star
  • star
  • star
  • star
The Bottom Line

This card rewards you for spending, both with cash bonuses as well as with chances to rack up rewards as high as 5%. There is no annual fee and although there are a few restrictions regarding special offers, they are pretty easy to comply with.

The Good

If you pay attention to the quarterly categories that qualify for 5% cash back you can maximize your rewards. Meanwhile, you can earn a $100 bonus cash back + a $25 Bonus by spending $500 on the card in the first 3 months, and by adding an authorized user and making a purchase in the same 3-month period.

The Not so Good

You can only get the 5% cash back in special categories that change quarterly, and you are limited to a $1,500 cap each quarter on 5% categories.

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by Chase.

Top Offers
No Annual
Airline
Business
No Foreign Fees
EMV Chip
Prepaid
Balance Transfer
Low Interest
Rewards
Cash Back
Students
Gas
Secured
TrustPilot

Selected reviews

Educational / User Friendly

I appreciate all the simple, easy-to-read facts that CompareCards offer. Each week CompareCards presents articles to teach the average consumer, lik… Read more

Rhonda Clancey

Rhonda Clancey,
Neenah

 

Above the pack

Tops on the ConsumerAction list says it all Read more

Chris Mettler

Chris Mettler,
Charleston

 

Super helpful

I came here looking for a card to do my balance transfer to and their livechat support was able to suggest the best option, and I was approved! Read more

Teresa Womersley

Teresa Womersley,
North Charleston

 

compare now

helps shopping easier in trying to get the best shopping expericenc Read more

Jane Jakins

Jane Jakins,
Ocean Springs

 

Best website for Credit!

Love this site for credit reports, comparing credit cards and their rates, and finding awesome deals where I actually get MONEY BACK, just for using … Read more

Stephania Green

Stephania Green,
Grosse Pointe

 
TrustPilot
Share your experiences, tips and tricks with us!

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

Overall Rating

3.4

5 Star
 
 
(499)
4 Star
 
 
(569)
3 Star
 
 
(478)
2 Star
 
 
(298)
1 Star
 
 
(212)
quote arrow

Your Rating:

+2019 users submitted a rating without a full review

Sort By:

quote arrow

6 our of 6 people found this review helpful

  • star
  • star
  • star
  • star
  • star

watch this card carefully I got a cash ahvance of $42.00 on 7/22/10 and am STILL paying for it. Even though I paid down my balance down to $187.38 the customer service better help lower my APR Or I am history paying 27.24% on purchases and another 27.24% for that 42.00 which is at 107.60 just this year. and I just paid the jerks $4751.68

quote arrow

5 our of 5 people found this review helpful

  • star
  • star
  • star
  • star
  • star

i have recently got this card and at first, it was a pain, every time i tried to use it, it was declined saying it was a fraud charge! after calling it was fixed, in the middle of trying to pay it was annoying but knowing they are trying hard to keep my card safe is nice! cash back is also i nice reward and they have special refer a friend offers sometimes which are nice! i'm happy with this card and would reccomend it to anyone!

quote arrow

4 our of 4 people found this review helpful

  • star
  • star
  • star
  • star
  • star

I love this card with it's rewards I use for online purchases for Christmas. I usually save up all year. It has the lowest interest rate on all my cards hands down,although I pay the balance off each month,so that's not really an issue. Card is widely accepted and had no problems using it anywhere I wish. Great card and no annual fees.

quote arrow

5 our of 5 people found this review helpful

  • star
  • star
  • star
  • star
  • star

I have had this card for years and I love it. I use my points to get gift cards to buy my kids' clothes, since I need to change their wardrobe every 6 months. Their reward program is very easy to understand and the extra 5% for certain categories usually has at least 1 category I will use--like gas. I also recently had my credit card number stolen and they were the ones who alerted me. They sent me a new card immediately and they reversed all of the fraudulent charges without any issues. Excellent rewards program and excellent customer service. I recommend this card to people I know in real life all the time.

quote arrow

5 our of 5 people found this review helpful

  • star
  • star
  • star
  • star
  • star

This card is great. I'm able to utilize cash back features and link it with my debit account, making over draft fees a thing of the past. Making money while spending it is also a nice plus when i take into account the interest rate for purchases. i'm able to use the cash back to help pay the interest when i happen to be late. win/win, am i right guys? up top.

quote arrow

3 our of 3 people found this review helpful

  • star
  • star
  • star
  • star
  • star

The card is great for consumers like myself seeking to maximize their rebates. With the Chase freedom card the perks are similar in that with certain categories you get a certain percent back ( aka every 3 months you receive 5% back in a category) but the VISA logo is accept virtually everywhere. That means I can literally use my card everywhere except when I'm buying lemonade from little Suzy's Lemonade Stand. Or can I? I don't know. Kids now a days are pretty creative. Bottom line, the Chase Freedom card is a great for my family because it's widely accepted and as long as I pay of my balance each month, I won't accrue interest and my rebate will check will get bigger! Note: In order for any rewards card to make sense, the balance must be paid of each month otherwise, this would be a crapy card for those consumers with balances. Did you see the fine print? The interest is 12.99- 22.99%! Anywho, good card for my situation.

quote arrow

3 our of 3 people found this review helpful

  • star
  • star
  • star
  • star
  • star

This card rocks! Best by far for cash back programs. I strongly recommend!

quote arrow

4 our of 4 people found this review helpful

  • star
  • star
  • star
  • star
  • star

Love that you can earn cash back from this credit card. Was easy to obtain.

quote arrow

4 our of 4 people found this review helpful

  • star
  • star
  • star
  • star
  • star

This is a great card that has new rewards categories every quarter, I would highly recommend. Their website is easy to use as well.

quote arrow

3 our of 3 people found this review helpful

  • star
  • star
  • star
  • star
  • star

I really like using my Chase Freedom card. The best part about this card is the rewards. There are different categories each quarter where you can get 5% cash back. This past quarter, for example, it was gas stations. It really adds up quickly and I'm able to redeem my cash back for a statement credit fairly often.

quote arrow

3 our of 3 people found this review helpful

  • star
  • star
  • star
  • star
  • star

I've had a Chase Freedom Visa for around 7 or 8 years now, I believe. It has a nice 1% cashback program where I get the 1% on all my purchases. I like the auto-pay option (where my checking account is automatically drafted each month for the balance due). The one time I got a fraudulent charge on my card Chase's customer service handled the situation very quickly and the charge was taken off my account. I've been very satisfied with Chase and can recommend their card.

quote arrow

2 our of 2 people found this review helpful

  • star
  • star
  • star
  • star
  • star

Everything has been great for years except they now tell me they will not send your rewards check to your house. I like getting the check at my home to spend as I want.

quote arrow

1 our of 1 people found this review helpful

  • star
  • star
  • star
  • star
  • star

probably the best cash back rewards card i have ever used.. and i have a chase checking account so i also receive an additional 10 points per swipe on the card even if its $1 purchase.. also get other benefits.. i would definitely recommend this card

quote arrow

1 our of 1 people found this review helpful

  • star
  • star
  • star
  • star
  • star

This card works great for me. I use it for my monthly expenses (daycare, tuition, gas, services, groceries) and paying the full balance allows me to not pay interest, of course. I can take advantage of the rewards program that gives me at least $50 cash back monthly.

quote arrow

6 our of 8 people found this review helpful

  • star
  • star
  • star
  • star
  • star

Chase freedom is the first unsecured card that we got. The best thing about the card is cash ban redeemed for any amount. I used to love it when they used to select the 5% category automatically to those which were most spent on by me for that month. These days though it is same boring quarterly categories like other credit cards. It is sad that they are also stopping the 10% bonus points for having checking account. This has certainly made this card from the most favorite to the least these days.

1 Comment

this card is very sneaky and tricky. I took a cash advance out in 2010 for 42.00 and am still paying the 27.24% on that then 27.24% again on purchases . my 200.00 payments only lowered the principal 80.00. They want me to stay but Its time to just leave when even the supervisor says it can't be lowered. We had a great 13 years 54.48% APR is just a tad silly.

Page:

Trust & Security
 

Over 1,250,000 cardholders since 2005

As Seen In
  •  
  •  
  •  
  •  
  •  
  •  
  •  
Credit Card Calculators
 

Payoff | Balance Transfer