Chase Freedom®

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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/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 October 1 - December 31, 2014 at Amazon.com, Zappo.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.

Overall Rating

3.8

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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.

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I have had a chase mastercard for 15+years and happy with it. Unfortunately it has been converted to a Visa card with the assumption I would be just as happy. I'm not as this card is not accepted as widely at businesses and I now have to assure I have cash to cover expenses as well. It's lost the convenience I once had and I'm searching for another mastercard.

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Notice how they failed to mention their transfer fee!!! That's because it's probably 10%. Calculate what that will cost you......

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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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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.

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