Credit Karma Weighs In: Chase Freedom® Review

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Credit Karma Weighs In: Chase Freedom® Review

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.

Felicia's Ratings

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: Five Stars

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: Five Stars

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: Four Stars

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.

Bottom Line

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!

Editorial Note: The opinions you read here come from our editorial team. While compensation may affect which companies we write about and products we review, our marketing partners don't review, approve or endorse our editorial content. Our content is accurate (to the best of our knowledge) when we initially post it, but we don't guarantee the accuracy or completeness of the information provided. You can visit the company's website to get complete details about a product. See an error in an article? Use this form to report it to our editorial team. For questions about your Credit Karma account, please submit a help request to our support team.

Advertiser Disclosure: We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.

Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.

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You might want to seek out a credit card with better interest rates:  from their application....

Purchase Annual Percentage Rate (APR)

.....14.24% to 23.24%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a

These rates are only going to go up now the the Federal Reserve has started raising rates....there are much better interest rates out there.

I continue to be amazed at Credit Karma 'pushing' high rate commercial credit cards instead of lower rate options (remember no one purposely leaves a balance on a credit card - it only happens when you don't have sufficient income).

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