Sorry, this offer is no longer available on Credit Karma.
  • Earn a $150 Bonus after you spend $500 on 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%
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories every 3 months like Gas Stations, Restaurants, and Select Grocery Stores
  • Unlimited 1% cash back on all other purchases - it’s automatic
  • Cash Back rewards never expire as long as your account is open
  • No annual fee
Annual Fee:
Purchase Intro APR:
0% intro
(15 Months)
Purchase Regular APR:
13.99% – 22.99%*
Balance Transfer Intro APR:
0% intro
(15 Months)
Balance Transfer Regular APR:
13.99% – 22.99%*

Details, Rates & Fees

Click here for 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 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate See Terms
Cash Advance Fee 5%, Min: $10
Late Fee See Terms
Penalty APR None
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 3%
Return Payment Fee See Terms


Sign-Up Bonus

Earn $150 after you spend $500 in 3 months.

All Purchases

1% cash back per dollar

No cap on spending

Cardholders' 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 Helpful Positive Review
Got approved for Chase Freedom
by Aquaremo
Helpful to 90 out of 96

Chase recon is the best. Got approved for Chase Freedom with a bad score of 607 in April, even though for a small CL of 500$ only. Trust me, call the recon number right away and explain your situation, mostly it will work, depends on who you get at the other end, fortunately I got a very sweet lady who completely listened to what I had to say. I got a bad score of 607 then because I started using Credit only in March 14, even though I banked with Chase from Dec 12. Even though I called after I got the denial letter, I have heard that the recon works just after applying also.I still cant believe I got approved, even though it says Freedom requires excellent credit scores.

And don’t think you cannot. If I can, you very well can.

Now my score is 667 only in the matter of 3 months. Key is nothing but low utilization and PIF before due date. I have heard about 80-20 rule to get 20% balance onto the next statement from my BoA rep, but I don’t believe how much that is efficient. Keep balance below 5% , (the best number is 7%) just before the statement comes. Otherwise my card is always maxed out to get the UR points.  

Good luck !!

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 Helpful Negative Review
by blm457
Helpful to 7 out of 7

 They gave me a $2000.00 credit line 3 years ago. I have not had a single late payment on this card ever, but I have had identity theft happen to me twice with this card. They were so nice and understanding about it and I didn't pay a cent of the identity theft charges. I also get a lot of bonus points which i've cashed in for actual cash.  ON THE FLIP SIDE- they have not given me a CLI and they do a hard pull for CLI's. I've been on time with them for 3 years now, they've made tons of money off of my interest. CLI please!

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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from November 2016 through April 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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