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Chase Freedom^SM Credit Card

Offered by: Chase

154 comments | Comment on this offer

Details

Purchase Intro Rate	0%
Purchase Intro Period	Up To 6 Months
Balance Transfer Intro Rate	0%
Balance Transfer Intro Period	Up To 12 Months
Regular APR	As Low As 12.99%
Balance Transfer Rate	As Low As 12.99%
Cash Advance Rate	As Low As 19.24%
Annual Fee	None
Late Fee	See Terms
Cash Advance Fee	3.00%
Balance Transfer Fee	3.00%

Chase Freedom^SM Credit Card features:

3% bonus cash back offers in popular categories like gas, home improvement and department stores
Full 1% Cash Back on everything else - no spending tiers or caps on how much you can earn
Up to an additional 20% cash back at select merchants when you shop online through Chase
0% Intro APR and No Annual Fee

Additional Details: Click here for Additional Details (Will launch in a new browser window)

See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer Now" button, you can review the credit card terms and conditions on Provider's website.

Comments

(154 Total Comments)

chase !! LOL i pay in full every month. like other posters, APR should be a non-issue.

i had this card. maybe 2 years. we'd buy something, then pay it off. out of nowhere, we bought like a tv or something.

Chase closed our account, saying that we were 'TOO CLOSE TO OUR CREDIT LIMIT' !!!!!!

i sent them a check when i got the bill.

say la vee.....

(i don't know how to spell that)

good riddance !!

chase is not the only card out there !!

citi card actually lowered our rate when i called them.

again, pay your bill in full every month, and the APR won't matter."

itzpms at 6:03 pm Mar 14

If the moderator thinks your post is too anti Chase, it won't get posted, and I can hear the excuse that my post did not apply to this subject, but I disagree, if a bank will do totten things to you in one department, then they will do it in all departments, but that is just my opinion, just like it is my opinion that none of you will ever see this post."

macnamara532 at 6:39 am Mar 14

We moderate for off-topic and inappropriate posts. You will find plenty of negative Chase (and other bank) bank posts through out the site.

CK Moderator

Wow compared to Wamu? That's not good. But are they any worse that Bank of America?"

creditguru_tc at 5:30 pm Mar 10

I have a credit score of over 740 and I have never missed a payment. Yet I was declined for this card because my credit history is too short at four years, and I don't have enough other cards open (?!). Seriously, this cements my view of how Chase treats their customers that I formed after the WaMu takeover.

I'm a low-risk debtor, and I'm taking my business elsewhere."

ldrubin at 12:34 pm Mar 10

DO NOT DO BUSINESS WITH CHASE BANK!!! They will drastically increase your APR (up to 30%) for even a single late payment. If your card is put over limit by fraudulent charges (this happened to me) they will not reverse the fees and they WILL NOT work with you to lower your APR. Point blank....they SUCK and are trying to cheat everyone."

Rmmeyer05 at 10:15 am Mar 10

Good news is that banks are no longer allowed to increase your rate with a single late payment.

CK Moderator

don't be late then. that's where they get you. they love people like you!"

traceyeaton at 9:06 am Mar 13

It's only becasue they survived that by definition they are the fittest. Remember, they were offered a sweetheart deal by the government when they took over the assests of AIG. They could also be the most unethecial, if not corrupt, financial institution in the world. And are you aware of how their behavior impacted the financial crisis that we're now enduring? Few of us do? Because these institutions had most of the laws that regulated their practices repealed, they were operating in an evironment where they had all the advantages, not the consumers. And not much has changed. You don't have to put them out of business, but that doens't mean one has to patronize them either."

JohnHoer at 8:28 am Mar 9

I am a student, 7 months credit history, $1000 credit limit with bofa, 728 TNU 717 Experian 702 EQU, rejected twice for citi platinum select mastercard and once for discover.

What will be your suggestion to apply for this card?"

amitpanchabh at 2:45 pm Mar 7

If you are under 21, you will require proof of income or a co-signer. At this point, consider waiting 5 more months so you have a year of credit history. Too many inquiries are not good for your score.

CK Moderator

You should check out credit cards at your nearest credit union.

mwilson23 at 7:33 am Mar 17

You guys should really just pay off your balances every month, APR becomes a non-issue. Thanks for subsidizing my rewards though?"

kmiyashiro at 11:12 am Feb 21

i agree completely, APR doesn't matter because everyone should be paying their balances in full each month. Why should anyone pay to borrow money for a short term?"

tsquad131 at 7:11 am Mar 3

I agree with you. But, even more than that, one should reconsider getting a major network card if you're inclined to carry a balance. Becuase it seems that current bank practices frequently lower your credit line which consequently can reduce your credit score. And if you aren't in a position to opt out, your interest rate can be substantially increased. And your rate is more likely to increase if your credit score was lowered due to them. And with all the new fees, the costs of doing business with these banks isn't much different from getting a payday loan. I'm not sure this is the best way to increase your credit score. In fact, it might be risky. Try getting a personal loan (unsecured or secured) and use debit cards (debit cards won't increase your credit score, but they're cheaper to use than a credit card) through a small community bank or credit union. If you can't keep money in savings, it's unlikely you'll be able to do so after you get a card."

JohnHoer at 7:41 am Mar 9

I love WAMU they were great! but Chase is the worse ever.I have more than 10k in my checking don't know why i have it there. but because i have some bad moved who makes my credit score really down. and Chase close my credit card account which did't have a balance. I paid it off every time i used, but still they closed.

When you call to talk to somebody cant find a custumer service that speak english. Someone you could understand. I think they have cheaper labor from other countries to answer the phone. CHASE SUCKS - I DON'T RECOMENDED TO NO BODY AT ALL."

dalysblock at 7:18 pm Feb 20

I'm not sure that Chase is any different than the other major banks. By that I mean, I think they all have similar business practices. Once you charge a balance on that card that you can't pay immediately, you are subject to any changes in the terms. If you have 10K in the bank, surely you can get a debit card.

JohnHoer at 7:54 am Mar 9

I used to think Chase were the worst. A few years ago they made the mistake of offering me a Balance Transfer at 5.99% for the life of the balance. This was great until they doubled my minimum payment last September. I was really ticked off at the time, but now I am through the worst of it and my balance has come down much faster. Citi are now the leader of the worst ever and the company I will never do business with again. I always paid on time, never missed and usually more than the minimum....so they raised my APR from 16.99 to 29.99, thereby forcing me to close the card (paying off the balance at 16.99%)."

stevedaytona at 9:19 am Feb 19

Have you considered refinancing your bank cards with a unsecured loan through a local community bank or a credit union? I've found their rates to be at least as reasonable as the rates of network bank cards issued through the large national banks. I didn't need to pay an application fee, annual fees and fewer risks of penalities. It also has some credit score benefits. And there is little or no risk of problems associated with impulsive bank card charging. The other benefit is that you can establish a personal as well as a financial relationship with an institution that is vested in your community versus exporting your money to Wall Street. I think it will also improve your future chances of obtaining future loans, including home loans and auto loans. Personally, I'm avoiding the large national banks that have no better financial management history than my own, and that borrow money from the feds at the very low rate of 0.0% to 0.25% and lend it at 18%, 20% and even much higher rates. And with an unsecured loan, you usually avoid any bate and switch interest rates. For me, bank cards have too many risks. Good luck."

JohnHoer at 8:33 am Mar 7

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Credit Score Approval Data

Ideal for those with Good Credit:

738

AVERAGE Credit Score Approved for this Card

685

LOWEST Credit Score Approved for this Card

† Credit Karma members have received approvals with these credit scores. Please note that because other factors such as income and employment status can affect credit card approval, these are only guidelines and approval is not guaranteed.