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3.7/5.0 from 5,658 Cardholder Reviews Over the Past 60 Days!
0% for 15 months
0% for 15 months
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
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*
$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
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.
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.
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.
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.
5,658 Total Ratings