Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
19.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
19.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
350 - 600
Annual Fee
$0
Chase Freedom® Student credit card Review
This is a rewards card issued by Chase Bank. If you're wondering whether Chase Freedom® Student credit card is the right card for you, read on.
Key Takeaways
- Signup bonus. Offers a signup bonus of up to $50.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 19.24%
- 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.
- A 5% balance transfer fee. Chase Freedom® Student credit card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 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 up to 3% every time you make a transaction outside the U.S.
- Student credit card. This card is geared toward students. In other words, college students with limited credit history and low incomes can still apply, especially if they have a cosigner ready to vouch for them.
- Multiple credit card benefits. Includes generous credit card perks, such as identity theft protection, purchase security, trip cancellation and interruption protection, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Chase Freedom Student
| The Good | The Bad |
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Chase Freedom Student FAQ
Does Chase Freedom Student have a cash back or rewards program?
Chase Freedom Student is a rewards card.
| Description |
Does Chase Freedom Student have a signup bonus?
Yes, it offers card users a signup bonus worth up to $50 .
Does Chase Freedom Student offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Chase Freedom Student benefits?
Chase Freedom® Student credit card provides the following benefits:
- Free Credit Score
- Trip Cancellation Insurance
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Chase Freedom Student?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Chase Freedom® Student credit card has a variable purchase APR of 19.24%. The card has a variable balance transfer APR of 19.24% . It also has a variable cash advance APR of 29.24% .
Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Chase Freedom Student have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Chase Freedom Student have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Chase Freedom Student?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Chase Freedom Student have a foreign transaction fee?
Chase Freedom Student charges a foreign transaction fee of up to 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 foreign transaction fees.What is the customer service phone number for Chase Freedom Student?
The customer service number for Chase Freedom Student is (877) 242-7372.
What is the support contact email for Chase Freedom Student?
The support contact email for Chase Freedom Student is customerdepartament@chase.com.
How do people rate the customer service and user experience of Chase Freedom Student?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Chase Freedom® Student credit card report your account activity to credit bureaus?
Yes, Chase Freedom® Student credit card reports to the following credit bureaus:
- 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 may help build your credit.
Does Chase Bank perform a hard credit pull?
Yes, Chase Freedom Student performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Chase Freedom Student
- Visit the website of Chase Freedom Student.
- 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 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM
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Other Credit Cards from Chase Bank
Purchase APR
19.99% - 28.24%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Purchase APR
18.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.49%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
740 - 850
300
850
Annual Fee
$0
Purchase APR
20.49% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 29.24%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Purchase APR
20.24% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 28.74%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$795
Disclaimer popup with additional information
Purchase APR
20.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$99
Purchase APR
19.24% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 27.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
20.49% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$99
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
0
-1000+100
No one recommends
Everyone recommends
Chase Freedom® Student credit card Community Reviews
Would you recommend Chase Freedom® Student credit card to your friends?
CS
Colin S.
Jan 19, 2023
May or may not recommend
I used this credit card while I was in college and the APR rates were horrid in comparison to the card I use nowadays. I would not recommend this even if you are a student.
DK
Doutch K.
Nov 11, 2022
May or may not recommend
I'm a student and Chase Freedom credit card help me to understand how credit card works and also I just got my $50 reward and I Increase my credit after making 5 monthly payments. Chase Freedom student credit card reports my account activity to Equifax, Experian and Transunion this increase my chances to get approval to more credit card.
Showing 2 of 2 reviews
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