Are you shopping around for a new credit card? Credit Karma is here to help! Some members of our team are sharing their opinions on the cards in their wallets. In this edition of "Credit Karma Weighs In," our Communications Assistant, Felicia, shares her thoughts on the Chase Freedom® cash back credit card.
The Chase Freedom® credit card is a solid cash back card that's a staple in many people's wallets. With no annual fee, unlimited one percent cash back on all purchases and additional cash back opportunities, it can be a great choice for those looking for a straightforward rewards card.
Rewards: Chase Freedom® earns you 1 percent cash back on all purchases, with no maximum. What makes this card stand out, though, is that you can earn 5 percent cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter you activate. This may include grocery stores, certain retailers and gas stations. Your cash back rewards can be redeemed in multiple forms, including gift cards and statement credit. Plus, they don't expire as long as you keep your account open.
Felicia's Rewards Rating:
Customer Service: While the Chase Freedom® is a pretty straightforward card, if you ever run into problems, customer service seems to be one of Chase's strong points. I've had nothing but good experiences with them over the phone and in person. As a long-time Chase customer, I can say that they've been consistently helpful, accommodating and patient.
Felicia's Customer Service Rating:
Application Process: You can apply for the Chase Freedom® online or in person at a Chase bank; I applied online. There were some issues verifying my address, so I had to call customer service and then go to a bank. Even with those additional steps, I'd still say the application process was pretty easy and I never felt lost or confused along the way.
Felicia's Application Process Rating:
Tips and Tricks
Remember to activate the 5 percent cash back every quarter. One downside of the card is that you need to activate the 5 percent cash back categories every quarter. Otherwise, eligible purchases will only earn the regular 1 percent cash back. However, Chase makes it easy to activate online, over the phone or even at a Chase ATM.
Earn more by using Chase's online shopping portal. If you're a frequent online shopper, you could earn more cash back by shopping through Chase's Ultimate Rewards;reg, portal. It includes many popular retailers who offer 1 percent cash back (or more) in addition to the cash back earned with your Chase Freedom® card. If you can get into the habit of shopping through the portal, your rewards could add up even faster.
Pair it with the Chase Sapphire Preferred® Card. Your Chase Freedom® card can become even more powerful when paired with the Chase Sapphire Preferred® Card because Chase allows you to transfer points from one card to the other. Transferring points to the Chase Sapphire Preferred® Card expands your reward options because you can redeem your points for airline miles or hotel stays.
The Chase Freedom® can be a great choice if you're looking for a flexible cash back rewards card or if you're new to rewards cards. You'll get something back on everyday purchases, with additional opportunities to earn even more. However, you do have to stay on top of the rotating categories to get the most out of your rewards.
If you're considering applying for a new credit card, it's generally a good idea to first check out consumer reviews to see what current cardholders really think. If you've got a credit card that you love, consider writing a review to help others out!
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