Chase Freedom
in Personal Credit Cards from Chase Bank
Would you recommend Chase Freedom to your friends?
| Community Rating | Mostly recommended |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 16.99% - 25.74% |
| Balance Transfer APR (Variable APR) | 16.99% - 25.74% |
| Credit Score Range | 640 - 850 |
| Number of Reviews | 12 |
Chase Freedom Review
Chase Freedom is a cashback credit card issued by Chase Bank.
This card is designed for people with fair credit. The minimum credit score to apply is 640. If you're wondering whether Chase Freedom is the right card for you, read on. This is everything you need to know to make a good choice.
Is there a Chase Freedom cash back or rewards program?
Chase Freedom is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Chase Freedom you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | 5% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | $200 |
| Signup Bonus Spend Requirement | $500 |
Does Chase Freedom have a signup bonus?
Yes, Chase Freedom offers card users a signup bonus worth up to $200 after spending $500.
Does Chase Freedom offer an annual loyalty bonus?
Chase Freedom doesn't offer a cash loyalty bonus.What are the Chase Freedom benefits?
Chase Freedom provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Fraud Liability
- Travel Accident Insurance
- No blackout dates when redeeming miles
- Travel Assistance
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for Chase Freedom?
Chase Freedom has a variable purchase APR that ranges from 16.99% up to 25.74%. The card has a variable balance transfer APR that ranges from 16.99% up to 25.74%.
It also has a variable cash advance APR starting at 26.99% .
Does Chase Freedom have an introductory APR offer?
Yes, Chase Freedom offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 15 months.
| Description | |
|---|---|
| Balance Transfer APR | 16.99% - 25.74% |
| Introductory Rate | 0% |
| Intro APR period (months) | 15 |
| Description | |
|---|---|
| Balance Computation | daily balance method (including new transactions) |
| Purchase APR | 16.99% - 25.74% |
| Credit Limit | N/A |
| Penalty APR | N/A |
| Cash Advance APR | Starting at 26.99% |
| Security Deposit | N/A |
| Introductory Rate | 0% |
| Intro APR period (months) | 15 |
What are the Chase Freedom fees?
The following fees apply to Chase Freedom:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 3% |
| Balance Transfer Fee | 3% |
| Minimum Balance Transfer Fee | $5 |
| Returned Payment Fee | $39 |
| Late Payment Fee | $39 |
Does Chase Freedom have a foreign transaction fee?
Chase Freedom charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.Does Chase Freedom report your account activity to credit bureaus?
Chase Freedom reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.
How to apply for Chase Freedom
- Visit the Chase Bank website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
270 Park Avenue
New York, NY 10017 - Visit Site
Other Services by Chase Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| No Interest Grace Period for Late Payment | 21 |
| Over-Limit Fee | $0 |
| Minimum Interest Charge | $0 |
| Annual Fee | $0 |
| No Annual Fee | |
| Returned Payment Fee | $39 |
| Late Fee Amount | $39 |
| Balance Transfer Fee % | 3% |
| Balance Transfer Fee Minimum | $5 |
| Cash Advance Fee (%) | 5% |
| Cash Advance Fee Minimum | $10 |
| Foreign Currency Transaction Fee | 3% |
Chase Freedom Community Reviews
Would you recommend Chase Freedom to your friends?
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