Offered by: Chase

Chase Freedom®

  • Earn a $100 Bonus after you make $500 in purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99%-22.99%.
  • 5% Cash Back on up to $1,500 in combined purchases between April 1 and June 30, 2014 at restaurants and Lowe's® home improvement stores
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire
706 Average Credit Score Approved for this Card
637 Lowest Credit Score Approved for this Card
Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
15 Months   15 Months  

0%

 

13.99% – 22.99%*

Variable

0%

 

13.99% – 22.99%*

Variable

Additional Details
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* 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.

Offer Details:

Cash Advance Rate

19.24% – 23.24%

Annual Fee

$0

Late Fee

See Terms

Cash Advance Fee

3%

Balance Transfer Fee

3%

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost

‑$527

$0

$0

Interest Savings on Transferred Balance

$4,051

$2,324

$1,248

Interest Savings on New Purchases

$1,676

$2,534

$4,340

Value of Rewards on New Purchases

$114

$114

$114

Value of Bonus Points

$0

$0

$0

Annual & Application Fees

$0

$0

$0

 
Savings:
Total Annual Savings

$5,314

$4,972

$5,702

Total Savings over 3 Years

$15,988

Credit Card Usage Profile

Transfer a Balance

  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $0
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
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.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Compare Holders of this Card
Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder
Sample Size: 3,812
Data Created: October 01, 2013

251 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

Approved w 2k limit. Ck score 695

Raemarie921's response was:    

  Apr 16, 2014

Raemarie921(1, 0)

Review by Raemarie921

1 Contributions 0 People Helped

Scam

I applied for this card and never got an e-mail or letter or anything saying whether i was approved or denied.  So six months later, I applied again.  I got a letter in the mail saying I already had an account with them and listed the last four digits of this so called card.  So I call them and they tell me "Whoops, we never sent the card out.  i will over-night it right away."  Whoops? Now im screwed out of six months 0% apr and also screwed out of getting $100 reward for spending $1500 in my first month because THEY never sent the card out.  I argued and argued until they sent me to marketing to see if they could reset it seems it was THEIR mistake!  No can do.  Not sending the card must be their way of making sure we don't get that first month reward and hold the card as long as they can so they can collect interest. 

Apr 11, 2014
Scam

I applied for this card and never got an e-mail or letter or anything saying whether i was approved or denied.  So six months later, I applied again.  I got a letter in the mail saying I already had an account with them and listed the last four digits of this so called card.  So I call them and they tell me "Whoops, we never sent the card out.  i will over-night it right away."  Whoops? Now im screwed out of six months 0% apr and also screwed out of getting $100 reward for spending $1500 in my first month because THEY never sent the card out.  I argued and argued until they sent me to marketing to see if they could reset it seems it was THEIR mistake!  No can do.  Not sending the card must be their way of making sure we don't get that first month reward and hold the card as long as they can so they can collect interest. 

Apr 11, 2014
I'm done

Got this card about 2 yrs ago maybe with a 1k limit.  I have asked for cli twice and nothing was given to me. My score on ck is 628. I've pretty much max it every month and pay it off dam near twice a month.  As soon I get a better cl on another card I'm done with this bank. I''ve banked with them since 16 now 28. I don't feel like they grow with the customer nor help them when it truthly neeeded.  Say bye bye to my checking and saving chase Ill be going elewhere.. 

Apr 09, 2014
credit limit

This chase freedom credit card is not a good option if your looking for a good credit limit and decent customer service.

I applied the card yesterday and got it approved for mere $500. I have good credit score and good income.

I called the customer care today and requested for credit line increase. They responded saying they would post a new credit enquiry on my name to increase the credit limit. I responded saying, you have just obtained my credit report 6 hours ago and the customer care agent was like thats mandatory even though it didnt make any sense.

I have american express and BOA credit cards and never faced such thing to increase my credit limit.

The introductory 15 months 0% APR is attractive, but  what is the use of it if the bank doesnt give your good credit limit.

So please be aware and avoid this credit card.

vy32's response was:    

  Apr 04, 2014

vy32(2, 1)

Review by vy32

2 Contributions 1 People Helped

See all 251 Reviews of Chase Freedom®

† Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.