Card Details

 

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3.7/5.0 from 5,658 Cardholder Reviews Over the Past 60 Days!

(5,658) Over the Past 60 Days!

  • Regular Purchase APR

    14.24%-23.24% Variable

  • Intro Purchase APR

    0% for 15 months

  • Intro BT APR

    0% for 15 months

  • Annual Fees

    $0

  • Credit Needed

    Good

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $150 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 14.24-23.24%
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories every 3 months like Gas Stations, Restaurants, and Select Grocery Stores
  • Unlimited 1% cash back on all other purchases – it’s automatic
  • Cash Back rewards never expire as long as your account is open
  • No annual fee

Card Fees

Late Payment Fees Up to $15 if the balance is less than $100; up to $27 if the balance is $100 to less than $250; up to $37 if the balance is $250 or more.

Foreign Transaction Fee 3% of each transaction in U.S. dollars

Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater

Cash Advance Fee $10 or 5% of the amount, whichever is greater

Returned Payment Fee Up to $37

Penalty APR See Terms

Minimum Interest Charge None

Ongoing Information

Rewards Cap 5% cash back caps at $1,500 per quarter

Rewards Rate Unlimited 1% Cash Back on every purchase, 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter

Annual Fee $0

Grace Period See Issuer Site*

Additional Card Details

$0 Fraud Liability No

Auto Rental Insurance Yes

Extended Warranty Program Yes

Roadside Assistance Yes

Purchase Protection Yes

Travel Assistance Yes

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the CompareCards.com Editorial Team

The Chase Freedom Card offers a $150 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, there is no annual fee and an introductory APR of 0% for 15 months.

Expert Reviews of the Chase Freedom®

  • 3.0

    Regular APR

  • 5.0

    Intro APR

  • 4.0

    Fees

  • 4.0

    Benefits

  • star rating 4.5/5

    Overall Rating

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 $150 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.

Consumer Reviews

  • star rating mask

Overall Rating

3.7/5.0

5,658 Total Ratings

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(165)

Your Rating

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+5616 users submitted a rating without a full review

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By: | Feb 11, 2016

I have multiple credit cards and use them for different things, paying them all completely off each month. Since accumulating $500 in purchases to earn my $150 credit, I am now using this card specifically for purchases in the category of the quarter to earn 5% cash back, as well as some specified online sites which earn a specified percent. This is saving me lots of money. I'm disappointed that this quarter's category (gas) is the same as Discover's category for the quarter. Hopefully there won't be regular overlap between the two cards. For my purposes, the card is working perfectly.

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By: | Jan 20, 2016

Excellent card so far. I get so many rewards. It's awesome.

7 Found this review helpful

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By: | Nov 23, 2015

I have been with Chase for many many years and must give them all the credit possible because of them being so fair and honest. There have been quite a few times they have contacted me to advise of a false attempted use of my card number, in each to those situations they helped take care of it and were always very helpful, I would recommend Chase to anyone especially my friends and family!!!!!!!!! Mike Warrick

0 Found this review helpful

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By: | Mar 9, 2015

Have had this company for a number of years and can vouch for its honesty and security and its fast action to save your being worried about security, etc..

1 Found this review helpful

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By: | Mar 3, 2015

This is a great card. You get cash back one every purchase and 5% cash back on quarterly deals. For instance, I've gotten 5% cash back on all the gas I have purchased since January 1st and until March 31st. The interest rate is high, but if you pay your full balance every month, you won't accrue any interest charges. I highly recommend this card and have had it for 4 years now.

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By: | Mar 2, 2015

Love the fact that I earned cash back right away that I was able to download to my checking account and pay back what I spent. Easy to apply for, receive and use. I recommend this card all the time. On the plus side the card itself is an attractive sparkly blue!

10 Found this review helpful

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By: | Feb 7, 2015

love this card all the rewards are great am lovein it chase the way to go

2 Found this review helpful

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By: | Feb 5, 2015

great card I've had it for over 4 years now

21 Found this review helpful

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By: | Dec 15, 2014

Caution: When it says gas stations, that is exactly what it means. If you buy gas at a store that sells groceries you may not get your 5% reward if your receipt does not specify gas station.

25 Found this review helpful

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By: | Oct 24, 2014

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.

2 Found this review helpful

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By: | Oct 24, 2014

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.

3 Found this review helpful

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By: | Oct 22, 2014

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?

6 Found this review helpful

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By: | Oct 13, 2014

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.

9 Found this review helpful

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By: | Oct 8, 2014

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.

3 Found this review helpful

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By: | Oct 8, 2014

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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