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Chase Freedom® Student credit card Claimed Visit Site

Chase Freedom® Student credit card

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Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

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.

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Highlights
Community Rating

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Purchase APR  (Variable APR) 17.99%
(Verified 10/07/2022)
Balance Transfer APR  (Variable APR) 17.99%
(Verified 10/07/2022)
Credit Score Range 350 - 600
Annual Fee $0

Chase Freedom® Student credit card Review

This is a rewards credit card issued by Chase Bank. If you're wondering whether Chase Freedom Student is the right card for you, read on.

Key Takeaways

  • Signup bonus. Offers a signup bonus of up to $50 within 3 months.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 17.99%
  • 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 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as identity theft protection, purchase protection, trip cancellation insurance, and fraud protection.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of Chase Freedom Student

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.
  • No annual fee.
  • Multiple credit card perks.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Trip cancellation insurance.
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on purchases everywhere Chase Freedom® Student credit card is accepted.
  • Chase Freedom® Student credit card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges a foreign transaction fee of 3%.
  • Charges a 5% balance transfer fee.

Chase Freedom Student FAQ

Does Chase Freedom Student have a cash back or rewards program?

Chase Freedom Student is a rewards card.

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

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?

Yes, it offers cardholders 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 Freedom Student benefits?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Chase Freedom® Student credit card has a variable purchase APR of 17.99%. The card has a variable balance transfer APR of 17.99% . It also has a variable cash advance APR of 27.99% . 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?

The following fees apply:

  • There is no overlimit fee
Chase Freedom Student Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $40
Late Payment Fee up to $40

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 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 Chase Freedom Student customer service number 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.

What is the Chase Freedom Student login page?

You can access the Chase Freedom Student login page here.

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 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 Freedom Student

  • Visit the Chase Freedom Student 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.

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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.

Contact

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

Other Services by Chase Bank

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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

Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
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
  • Purchase Protection
  • Trip Cancellation Insurance
  • Fraud Liability
  • Free Credit Score
Annual Loyalty Bonus (points) 2,000
Annual Loyalty Bonus $20
Rewards Categories
Signup Bonus Starting at $50
Cash Advance APR (Variable APR) 27.99%
APR Type Variable APR
Balance Computation Daily balance method (including new transactions).
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 17.99%
(Verified 10/07/2022)
Balance Transfer Fee % After Intro Period Starting at 5%
Balance Transfer APR (Variable APR) 17.99%
(Verified 10/07/2022)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%
Card Type
  • Student
  • Rewards
  • Bonus Offers
Card Network Visa

Chase Freedom® Student credit card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

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.

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