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  Chase Bank USA Freedom® Student Credit Card

Chase Bank USA Freedom® Student Credit Card

in Personal Credit Cards from Chase Bank

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Chase Bank USA Freedom® Student Credit Card

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in Personal Credit Cards from Chase Bank

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Highlights
Purchase APR  (Variable APR) 14.99%
Balance Transfer APR  (Variable APR) 14.99%
Credit Score Range 350 - 600
Annual Fee $0

Chase Bank USA Freedom® Student Credit Card Review

Chase Bank USA Freedom® Student Credit Card is a rewards credit card issued by Chase Bank. If you're wondering whether Chase Bank USA Freedom® Student Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Signup bonus. Offers a signup bonus of $50 within 3 months.
  • Competitive APRs. Chase Bank USA Freedom® Student Credit Card has a variable purchase APR of 14.99%
  • 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.
  • 5% Balance transfer fee. Chase Bank USA 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 3% every time you make a transaction outside the U.S.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Chase Bank USA Freedom® Student Credit Card Pros & Cons
The Good The Bad
  • $50 Bonus Offer $50 Bonus earned after first purchase made within the first 3 months from account opening.
  • $20 Good Standing Rewards After each account anniversary for up to 5 years.
  • Credit Limit Increase Earn a credit limit increase after making 5 monthly payments on time within 10 months from account opening when meeting credit criteria.
  • Lower than average purchase APRs.
  • No annual fee.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Chase Bank USA Freedom® Student Credit Card is accepted.
  • Chase Bank USA Freedom® Student Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 5% balance transfer fee.
Chase Bank USA Freedom® Student Credit Card FAQ

Is there a Chase Bank USA Freedom® Student Credit Card cash back or rewards program?

Chase Bank USA Freedom® Student Credit Card offers a rewards program to its customers.

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Chase Bank USA Freedom® Student Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) $50
Signup Bonus Spend Period (months) 3 months
Annual Loyalty Bonus $20
Annual Loyalty Bonus (Points/Miles) 2000

Does Chase Bank USA Freedom® Student Credit Card have a signup bonus?

Yes, Chase Bank USA Freedom® Student Credit Card offers card users a signup bonus worth up to $50.

Does Chase Bank USA Freedom® Student Credit Card offer an annual loyalty bonus?

Yes, Chase Bank USA Freedom® Student Credit Card offers card users an annual bonus worth up to $20. However, it does include an annual loyalty bonus of 2000 points that can be redeemed for travel, gifts, and other perks.

What are the Chase Bank USA Freedom® Student Credit Card benefits?

Chase Bank USA Freedom® Student Credit Card provides the following benefits:

  • Free Credit Score
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Chase Bank USA Freedom® Student Credit Card?

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 Bank USA Freedom® Student Credit Card has lower than average purchase APRs.

Chase Bank USA Freedom® Student Credit Card has a variable purchase APR of 14.99%. The card has a variable balance transfer APR of 14.99% . It also has a variable cash advance APR of 24.99% .

Does Chase Bank USA Freedom® Student Credit Card have an introductory APR offer on balance transfers?

No, Chase Bank USA Freedom® Student Credit Card does not come with an introductory APR offer for balance transfers.

Does Chase Bank USA Freedom® Student Credit Card have an introductory APR offer on new purchases?

Chase Bank USA Freedom® Student Credit Card does not offer an introductory rate on new purchases.

What are the fees for Chase Bank USA Freedom® Student Credit Card?

The following fees apply to Chase Bank USA Freedom® Student Credit Card:

  • There is no overlimit fee
Chase Bank USA Freedom® Student Credit Card 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 Bank USA Freedom® Student Credit Card have a foreign transaction fee?

Chase Bank USA Freedom® Student Credit Card 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 Bank USA Freedom® Student Credit Card report your account activity to credit bureaus?

Yes, Chase Bank USA Freedom® Student Credit Card 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 may help improve your credit.

How to apply for Chase Bank USA Freedom® Student Credit Card

  • Visit the Chase Bank USA Freedom® Student Credit Card 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 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.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • 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

Feature Breakdown

Every Purchase (Points) Earn 1% cash back on all purchases.
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 $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) 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
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 350 - 600
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
  • Free Credit Score
Annual Loyalty Bonus (points) 2,000
Annual Loyalty Bonus $20
Rewards Rates
  • Travel
  • Airfare
  • Car Rentals
  • Hotels
  • Every Purchase
Signup Bonus Starting at $50
Cash Advance APR (Variable APR) 24.99%
Balance Computation Daily balance method (including new transactions).
Purchase APR (Variable APR) 14.99%
Balance Transfer Fee % After Intro Period Starting at 5%
Balance Transfer APR (Variable APR) 14.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%
Card Type
  • Student
  • Rewards
  • Bonus Offers
Card Network Visa

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