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Chase Freedom®

Chase Freedom®

Chase Freedom® offers attractive rewards and consumer-friendly terms. Cardholders will earn cash back on purchases and bonuses for card use, in addition to paying no annual.

  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 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%
  • Unlimited 1% Cash Back on every purchase
  • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
  • 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!
  • No annual fee and rewards never expire as long as your account is open

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
672
Typical Low: 591
Typical High: 773
15 Months   15 Months  

0%

13.99% – 22.99%*

0%

13.99% – 22.99%*

 

Variable

 

Variable

Additional Details

Click here for Additional Details

* 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.

Offer Details:

Cash Advance Rate

See Terms

Annual Fee

$0

Late Fee

See Terms

Cash Advance Fee

5%, Min: $10

Balance Transfer Fee

3%, Min: $5

Saving Details

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

$538

$538

$538

Value of Bonus Points

$100

$0

$0

Annual & Application Fees

$0

$0

$0

 

Savings

Total Annual Savings

$5,839

$5,396

$6,126

Total Savings over 3 Years

$17,360

Credit Card Usage Profile

Transfer a Balance
Edit
  • 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.

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders by ...

Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder

Sample Size: 192
Data Created: February 02, 2015



96 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

Chase Freedom, A Seamless Application

I couldn't pass up the $200 bonus introductory offer, in addition to gas stations being the upcoming quarter's 5% back category, so I applied online directly through Chase.com. The process was the most straightforward, simple to navigate, and seamless application for credit I've ever submitted, honestly. Along with having no previous relationship with Chase, I was a bit nervous about a high utilization rate on a BankAmericard I opened this past February (~47%), but my Credit Karma Approval Odds were listed as "Very Good," and my VantageScore 3.0 scores were both 754 (TU and EX), with no other glaring issues on my reports. Thus, in the span of about 5 minutes, I was approved for a $7000 limit (previous high was $5000) and 18.99% APR (higher than I'm used to, but shouldn't be an issue)! I am looking forward to building a relationship with Chase, and their fairly generous limit for an early credit-builder like me should also improve my overall portfolio. For a person that meticulously tracks their spending behavior, a card like the Chase Freedom can really pay back some nice value with its rewards options, as long as customers are making an effort to keep track and enroll in the rotating categories each quarter, of course. If I remember, I will report back when I'm "up and running" with my new Chase Freedom and have become more familiar with their setup and customer service. So far, so good!

sighclone4's response was:    

 
Jun 23, 2015

scooter4483(15, 38)

Top Contributor

Approved with low CL but good start Helpful to 4 out of 5 people

Had a 681 TU score which they pulled. I have four student loans remaining at estimated $9500 with four other paid off. No other loans. Approved for $1500 so called back door number and asked for $5k limit. Was informed that I have no cc under my name so best they can do is $3k. This is not bad and decent start. 

scooter4483's response was:    

 
Jun 02, 2015

YUNNGAMD(10, 55)

Top Contributor

got approved for 4,500 Helpful to 22 out of 29 people

EXPERIAN SCORE AT 730 I EAS INSTANLY APPROVED FOR 4,500 WHICH IS GOOD IMO. Tip find out what your credit score is on credit sesame.com if is says 7 something or close you're in goo shape i recommend that you have next to no balances showing on your credit report. I had about 5% usage. tip if you get a syncb account and if you had i for a year with no baddies on your report i guarantee that you will get a credit limit increase if you call the back door number. i have 10 account with them and got a limit increase on all accounts each account we're about 700 bucks and now all my account accts are at 4k. which allowed me to get an amex at 9k and a dicsover card t 3k and a signature venture on card at 10k. I hope this helps. ps. if you have bad credit go to fingerhut and buy something for 200-400 and pay 20 over the minimum payment they will increase you credit line.

YUNNGAMD's response was:    

 
Mar 14, 2015
Quick, easy, lenient lender! Helpful to 8 out of 10 people

At the time I applied, I had a TransUnion FICO score of about 658 (Provided by Discover for free!).  CK's VantageScore 3.0 had me at 686 with TransUnion and 681 with Equifax.  I had a few inquiries on each.  No collections.  No public records.  Oldest credit line was with CapitalOne at about 3 years.  The worst blemishes on my credit reports were 3 missed payments--one by nearly 60 days--when I lost my last job.  With only two cards, and small credit limits (CapOne: $300 and Discover: $500), I didn't know what to expect from Chase.  I was pleasantly suprised when I applied and was approved for a $1200 credit line.  The rewards are awesome!  Haven't redeemed them yet as I'm letting them build up, but it seems that you have a lot of options.  The only thing I don't care for is the interest rate.  At 22.99%, Chase is a bit higher than my Discover, which has always been my main card.

Now, things are starting to turn around!  I requested an increase from Discover and was bumped up to $3000.  Feeling frisky, I requested an increase from CapitalOne and was bumped up to $800.  This brings my total available credit to $5000.  It's not where I want to be, but I feel like I'm off to a decent start with building my credit!  Hopefully the things I've read about Chase giving a CLI after the first 3 months is true.  Would love to see them up my credit line and drop my interest!

RyanGroth1993's response was:    

 
Mar 01, 2015
Instant Approval - Short Credit History Helpful to 10 out of 16 people

I am a college student establishing credit for the future. I got my first credit card, a secured card, just 7 months ago and my second credit card, a retail card, 5 months ago. I have been very responsible about timely payments and credit utilization and of course within a few months the pre-approval mail started pouring in. I knew I wanted a rewards card that I good use to increase my total credit and number of accounts and opted for this one.

I applied literally 10 minutes ago and got instant approval, having my oldest account at 7 months, a CK score of 709 and an Experian Score of 758. I can't comment on customer service but application process was great! Will provide another review in a few months. 

gradstudent20's response was:    

 
Jan 09, 2015

See all 96 Reviews of Chase Freedom®

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.

‡ 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 January 2015 through June 2015. 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.