Chase Freedom®

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3.4/5.0 from 690 Cardholder Reviews

 

690 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

  • 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 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 $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 thesame 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®

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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 $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.

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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

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Overall Rating

3.4

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2 our of 2 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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1 our of 1 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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3 our of 3 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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1 our of 1 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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3 our of 4 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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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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Great way to earn up to $125 just by adding spending $500 and adding authorized user in the first 3 months, with no annual fee.

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Good card for everyday use and puchase

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I have had this Chase card for several years, and it is my favorite card. The main feature I look for in a card is the cash back benefits, and this one has about as good as any out there. They offer 1% back on all purchases, including mass merchandise stores such as Walmart. In addition, they offer 5% back in rotating categories throughout the year. Overall, it is the best card I have found, and it is the first one that I use.

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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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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!

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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.

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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.

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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.

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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.

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