Chase Freedom®

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3.3/5.0 from 6,632 Cardholder Reviews

 

6,632 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

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Highlights

  • Click "APPLY NOW" to apply online
  • Named a Best Card for Cash Back by MONEY® Magazine
  • 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 4/1/15–6/30/15 at Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®.
  • 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 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®

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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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Overall Rating

3.3

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27 out of 31 people found this review helpful

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

 
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22 out of 26 people found this review helpful

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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5 out of 6 people found this review helpful

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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18 out of 22 people found this review helpful

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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17 out of 21 people found this review helpful

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.

 
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17 out of 21 people found this review helpful

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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16 out of 20 people found this review helpful

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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19 out of 24 people found this review helpful

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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7 out of 9 people found this review helpful

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

 
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13 out of 17 people found this review helpful

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

 
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9 out of 12 people found this review helpful

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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9 out of 12 people found this review helpful

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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9 out of 12 people found this review helpful

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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8 out of 11 people found this review helpful

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.

 
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8 out of 11 people found this review helpful

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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