Chase Freedom®-$200 Bonus

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3.4/5.0 from 1,633 Cardholder Reviews

 

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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.

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Highlights

  • For a limited time, earn a $200 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 October 1 – December 31, 2014 at Amazon.com, Zappos.com and select department stores
  • You’ll enjoy new 5% categories every 3 months like gas stations, restaurants, 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
 

Details from the CompareCards.com Editorial Team

From the CompareCards.com Editorial Team:

The Chase Freedom Card offers a $200 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®-$200 Bonus

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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 $200 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.

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3.4

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4 our of 6 people found this review helpful

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I have been with Chase Freedom for several years as my primary credit card. My experience with it has always been positive. I love all of the ways that they give their customers to earn rewards and get cash back. The current 3 month 5 percent cash back from purchases at Amazon.com is awesome, and it's always exciting to find out which catories will be next. Of course I am also a huge fan of the unlimited 1 percent cash back that I can earn on all other purchases. As long as you are able to pay your balance in full each month, it's like they are paying you to use their card!

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3 our of 5 people found this review helpful

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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.

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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.

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3 our of 5 people found this review helpful

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I love my chase freedom card. It has real rewards associated with it. I get one percent back on everything and five percent back on the selected categories for the quarter. Plus in the summer when you are traveling a lot, the selected category is almost always gas stations. That means big rewards. I always opt for the cash reward when I hit about $100. It is really easy, they just credit it to my next statement. Customer service is good too. I destroyed my card once - two days before leaving on vacation- and they overnighted me a new card! Someone store my card number once and they immediately called me, reversed the charges and sent me a new card with a new number. I highly recommend this card!

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4 our of 7 people found this review helpful

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I like this credit card a lot. You can earn points quickly that can be cashed in for gift cards or cash back. Some months you can even earn more points on certain purchases, such as gas or grocery stores or restaurants. We use this card for everything and then cash in the points and get gift cards to go out to eat for free! I highly recommend it.

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4 our of 8 people found this review helpful

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I have been using the Chase Freedom card for at least 10 years. They have been great to work with and are on the ball monitoring the activity, and have caught fruadulent traansactions. They are professional and knowledgeable. I gave up on mileage cards as they were so frustrating when trying to use the miles. The reward points are so much better. We bank them and then when we want to travel, we can chose any airline or hotel we want, and when we want.. The 5% back on specialty items is frosting on the cake.

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3 our of 6 people found this review helpful

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We have had the Chase Rewards card for 7 years with 5% back on gas, groceries and Drugs. Now we would only get one or the other for 90 days and then 1%. And to make it more difficult, in order to get the 5% on anything YOU HVE TO CALL OR SIGN IN ON LINE EVERY 90 DAYS OR YOU LOSE IT AND ONLY GET 1%. Try remembering to do that.I am looking for another bank card..

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5 our of 11 people found this review helpful

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The 0% rates given to new customers is a rip for existing customers...for someone who pays no less than $800.00 on a balance of @ $1900.00 each month and the company cannot do anything to lower the %age rate. Really makes me want to close the acct out and go to another card.

1 Comment

If you cancel write and explain why otherwise they just put "account closed" and that can affect your credit score in a negative was. If it put"closed due to customers request" is best.

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2 our of 6 people found this review helpful

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one of my Favorite card. using it for more than 5 year. never had any problem. i use it all the time. quarterly 5% cash back is great, amazing choice on what you can spend your points on . also, 1% on everything else. i have gotten almost $1000 worth of amazon gift card from the points i collected over the period of time i had this card. i don't see how you can go wrong with case freedom.

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1 our of 3 people found this review helpful

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I love my Chase Freedom card! I get lots of points for money back each month, and the points can also be used to pay down my Amazon purchases.

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1 our of 3 people found this review helpful

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I have this card because I needed one MC and one Visa. Just got a notice that as of June 2014 it is changing to Visa. I loved this card for the rewards and NOW I have to find another MC. Sam's club only takes MC charges for one thing and now I am mad at Chase.

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1 our of 3 people found this review helpful

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I really liked the intro APR and the standard rate is one of the lowest which is great, but I've been having trouble with the rewards program for months. Although this card does offer several opportunities to earn more than 1% on rewards, I haven't be receiving the rewards that that card told me I would even though I am using it to their regulations. I have reported this issue to customer service months ago and they STILL haven't given me my earned rewards or corrected the issue. The card sounds great if their program actually works!

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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

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I have a Chase Visa, B of A Visa, and AmX all cash back. It's web site is very easy to navigate. Unlike many other cards, the promotions very by quarter paying 5% up to $1500/Q or $75. My favorite promo is 4thQ Amazon. Sweet deal ! If you spend a ton on gas, the other cards paying 2 and 3% are better.

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I have had this credit card for a long time, my APR is really low and I can make cash back really quick. I never have any problems when I travel abroad either.

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This is a great card for everyday rewards. You get money back so you don't have to worry about finding a place to use a gift card. Another great feature on this card is the special 5% categories. These offer 5 times the reward if you shop in a specific category. You'll have to make sure to apply for these though. Also aesthetically speaking this is a beautiful card with a great name - The Freedom Card! What's not to like?

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