Chase Freedom®

Overall Rating

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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 July 1 and September 30, 2014 at gas stations and Kohl's®
  • 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.

Disclaimer:  This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

Expert Reviews of the Chase Freedom®

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Overall Rating
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Introductory APR
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Benefits
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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.

No more check for rewards sent to residence after 2014.

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By

(Vero Beach, FL)

Date Posted

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.

I definitely would recommend this card to a friend.

1 out of 1 people found this review helpful.

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I'm not happy with the change!

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By

(pittsburgh)

Date Posted

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.

I definitely would not recommend this card to a friend.

1 out of 1 people found this review helpful.

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Watch Out For Big Transfer Fee!!!

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By

(Houston Tx)

Date Posted

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

I definitely would not recommend this card to a friend.

1 out of 1 people found this review helpful.

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Changing from MC to Visa

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By

(wisconsin)

Date Posted

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.

I definitely would not recommend this card to a friend.

1 out of 1 people found this review helpful.

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Excelent card

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By

(Colleyville, TX)

Date Posted

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.

I definitely would recommend this card to a friend.

11 out of 11 people found this review helpful.

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I don't hate it.

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By

(Philadelphia, PA)

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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!

I definitely would recommend this card to a friend.

38 out of 43 people found this review helpful.

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Great promotion and right card!

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By

(Bothell, WA)

Date Posted

The card is great for those consumers like myself seeking to maximize their rebates. I currently have the American Express card from Costco that offers 3% back on gas, 2% on travel, and 1% on everything else but the down side is not every merchant accepts AMEX. 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.

I definitely would recommend this card to a friend.

80 out of 85 people found this review helpful.

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the best cash back card

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By

(broken arrow, ok)

Date Posted

probably the best cash back rewards card i have ever used.. and i have a chase checking account so i also receive an additional 10 points per swipe on the card even if its $1 purchase.. also get other benefits.. i would definitely recommend this card

I definitely would recommend this card to a friend.

25 out of 28 people found this review helpful.

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Great Incentive

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By

(Plant City, FL)

Date Posted

I just got $200 for doing my normal spending. Thanks Chase!

I definitely would recommend this card to a friend.

52 out of 70 people found this review helpful.

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CANCELING REWARDS THAT WE.VE HAD FOR YEARS

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By

(Charlotte, NC)

Date Posted

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..

I definitely would not recommend this card to a friend.

24 out of 32 people found this review helpful.

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Thank you for writing a credit card review and rating Chase Freedom®. By taking a few minutes to share your opinions regarding Chase Freedom®, you are helping other credit card users make informed decisions. Your Chase Freedom® review is subject to our review guidelines.

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