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  Chase Freedom

Chase Freedom

in Personal Credit Cards from Chase Bank

Claimed

Chase Freedom

Claimed

in Personal Credit Cards from Chase Bank

SuperMoney Net Recommendation Score +42% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Mostly recommended

6 users recommend
5 users are unsure
1 user doesn't recommend
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Highlights
Highlights
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.

Chase Freedom Rewards
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.

Chase Freedom Balance Transfers
Description
Balance Transfer APR 16.99% - 25.74%
Introductory Rate 0%
Intro APR period (months) 15
Chase Freedom Rates & Terms
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
Chase Freedom Fees
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.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • 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%
Minimum Age 18
Credit Score Range 640 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Card Type
  • Balance Transfer
  • Bonus Offers
  • Cashback
  • Gas
  • Rewards
  • Zero Percent
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Card Network
  • Visa
Extended Warranty  
Fraud Liability  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Categories
  • Drug Store Purchases
  • Entertainment
  • Every Purchase
  • Gas
  • Groceries
  • Internet / Cable / Phone Services
  • Restaurants
Bonus Rewards 5%
No Blackout Dates  
Every Purchase 1%
No Reward Expiration Period  
Signup Bonus $200
Purchase APR (Variable APR) 16.99% - 25.74%
Cash Advance APR (Variable APR) Starting at 26.99%
Balance Computation daily balance method (including new transactions)
Introductory Rate 0%
Balance Transfer APR (Variable APR) 16.99% - 25.74%
Introductory Rate 0%
Intro APR period 15

Chase Freedom Community Reviews

 

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