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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
Balance Transfer APR  (Variable APR) 16.49% - 25.24%
Credit Score Range 640 - 850
Annual Fee $0
Purchase APR  (Variable APR) 16.49% - 25.24%
Rewards Rates
  • Drug Store Purchases
  • Entertainment
  • Every Purchase
  • Gas
  • Groceries
  • Internet / Cable / Phone Services
  • Restaurants
Number of Reviews 12

Chase Freedom Review

Chase Freedom is a cashback credit card issued by Chase Bank. 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.

Key takeaways:

  • Revolving rewards categories: You'll earn 5% cash back each quarter on up to $1,500 in combined purchases in that quarter's bonus categories. These categories include grocery stores, gas stations, and department stores.
  • Generous reward rate. You will get a cashback rewards rate of up to 5%.
  • Earn 5% cash back on everyday purchases. This is higher than the average reward rate (1% cash back) for everyday purchases.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
  • Signup bonus. Offers a signup bonus of $200 if you spend $500 within 3 months.
  • Competitive APRs. Chase Freedom has a variable purchase APR that ranges from 16.49% up to 25.24%.
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Chase Freedom charges a fee of up to 3% on balance transfers, if you transfer the balance within 60 days of opening the account. After the introductory period, the fee is 5%. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Gas rewards. Earn up to 5% for every $1 you spend on gas.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, trip cancellation insurance, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.

Chase Freedom Pros and Cons:

The Good The Bad
  • You can earn $50 cash back for each referred friend that gets approved for the card.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • 0% APR on new purchases during the first 15 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Travel accident insurance.
  • Trip cancellation insurance.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Chase Freedom reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee, if you transfer the balance within 60 days of opening the account. After the introductory period, the fee is 5% of the balance transferred or $5, whichever is greater.

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
Signup Bonus Spend Period (months) 3 months

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:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Travel Accident Insurance
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Chase Freedom?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance.

Chase Freedom has a variable purchase APR that ranges from 16.49% up to 25.24%. The card has a variable balance transfer APR that ranges from 16.49% up to 25.24%. It also has a variable cash advance APR of 26.49% .

Does Chase Freedom have an introductory APR offer on balance transfers?

Yes, Chase Freedom offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.

Chase Freedom Balance Transfers
Description
Balance Transfer APR 16.49% - 25.24%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 15
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period 5%
Balance Transfer Fee Intro Period (days) 60
Balance Transfer Fee Minimum $5

Does Chase Freedom have an introductory APR offer on new purchases??

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 15 months.

Chase Freedom Purchase Intro Offer
Description
Introductory Rate 0%
Purchase 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%
Returned Payment Fee up to $39
Late Payment Fee up to $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 Freedom website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • 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

Every Purchase (Points) Earn 1% cash back on all other purchases.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
No Annual Fee  
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 - 850
Card Type
  • Balance Transfer
  • Bonus Offers
  • Cashback
  • Gas
  • Rewards
  • Travel
  • Zero Percent
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Fraud Liability  
Extended Warranty  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Trip Cancellation Insurance
Bonus Rewards Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
No Reward Expiration Period  
Rewards Rates
  • Drug Store Purchases
  • Entertainment
  • Every Purchase
  • Gas
  • Groceries
  • Internet / Cable / Phone Services
  • Restaurants
Signup Bonus $200
Rewards Type Cash Back
Cash Advance APR (Variable APR) 26.49%
Balance Computation daily balance method (including new transactions).
Purchase APR (Variable APR) 16.49% - 25.24%
Balance Transfer Fee % After Intro Period 5%
Balance Transfer Fee Intro Period 60 days
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 16.49% - 25.24%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Chase Freedom Community Reviews

 

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