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| Purchase Intro Rate | 0% |
| Purchase Intro Period | 6 Months |
| Balance Transfer Intro Rate | 0% |
| Balance Transfer Intro Period | 12 Months |
| Regular APR | 9.99%-22.99% (Variable) |
| Balance Transfer Rate | 9.99%-22.99% (Variable) |
| Cash Advance Rate | 19.24% - 23.24% |
| Annual Fee | $0 |
| Late Fee | Up to $35 |
| Cash Advance Fee | 3%, Min: $10 |
| Balance Transfer Fee | 3%, Min: $5 |
Chase Freedom® Visa - As Low as 9.99% APR features:
- Earn $50 Bonus Cash Back after your first purchase.
- 0% Intro APR for 12 months on balance transfers and 6 months on purchases - a variable APR as low as 9.99% -22.99% after your 0% ends
- 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12
- You'll enjoy new 5% categories every 3 months like supermarkets, gas, drugstores and even home improvement stores. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases without limits on what you can earn
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
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" button, you can review the credit card terms and conditions on the provider's website.
These savings are calculated using national averages. Log in to see your own savings!
How We Calculated Your Savings
Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.
Year 1 |
Year 2 |
Year 3 |
||
|---|---|---|---|---|
|
Balance Transfer Cost
|
-$527 |
$0 |
$0 |
|
Interest Savings on Transferred Balance
|
$724 |
$0 |
$0 |
|
Interest Savings on New Purchases
|
$3,203 |
$4,787 |
$6,476 |
|
Value of Rewards on New Purchases
|
$0 |
$0 |
$0 |
|
Value of Bonus Points
|
$0 |
$0 |
$0 |
|
Annual & Application Fees
|
$0 |
$0 |
$0 |
|
Savings: | ||||
| Total Annual Savings | $3,401 |
$4,787 |
$6,476 |
|
| Total Savings over 3 Years |
$14,663 |
|||
Calculations are estimated based on your credit card usage combined with offer data and are for illustration purposes only.
Most Recent Reviews
the rewards for 2012 for this card are terrible! No value added here at all. I don't think I'll be using it.
cykesummers 1 month ago
Okay, I am relatively new to this card, but thusfar I like it. I really like the 5% cash back on purchases and the $300 credit they have given me for mearly opening an account. Time will tell with this card, but so far, Chase is off to a strong start with me.
diabolique121 1 month ago
I have this for 7 yrs. I had Capital one card before and Citi card also. But I closed CapitalOne card and never use Citi. I love this one. As everyone says, no annual fees and excellent rewards program makes this the best card.
Anonymous 1 month ago
I have had this card (prior version as well) for almost 5 years now. This card has one of the best rewards program along with no conversion fees for international usage and collision coverage on car rentals.
Reporting fraudulent chareges was a breeze and get my replacement card in 2 days. All in all an excellent card to have in your wallet.
Anonymous 2 months ago
See all 12 Reviews of Chase Freedom® Visa - As Low as 9.99% APR
Credit Score Approval Data
Ideal for those with Good Credit:
728
AVERAGE Credit Score Approved for this Card
718
LOWEST Credit Score Approved for this Card
† Credit Karma members have received approvals with these Credit Karma 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.
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A good card in features, and a high credit limit- but Chase bumped up the APR a LOT when I got hit with one 30+ late on my credit report about two years ago on an unrelated card. (a Capital One)
It kills me cause the 30+ late was due to a annual fee on a card i forgot I even had.... Regardless I'm saddled with the high APR still two years later with no further blemishes on my report, and Capital One, the card that I makde the 30+ late payment lowered the APR back on their card and refunded the late fee after I explained to them what happened.
I still use the Freedom card, but don't carry a balance to get the 5% back on gas and whatnot.
I suppose I could try to open a Sapphire card or maybe an Amazon thruCchase get a lower limit and try to combine cards- but since I'm not carrying a balance anymore its a moot point.
Bottom line nice features, huge limit and reasonable APR initially- but don't make a little mistake and carry a balance. When CHASE smells blood they go for the jugular.
jjy111 2 weeks ago