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Offered by: Chase

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.

  • 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%
  • 5% Cash Back on up to $1,500 in combined purchases between 1/1/15–3/31/15 at grocery stores (not including Walmart® and Target® purchases), movie theaters, and Starbucks® stores
  • You’ll enjoy new 5% categories every 3 months like restaurants, gas stations, 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 as long as your account is open

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
667
Typical Low: 604
Typical High: 753
15 Months   15 Months  

0%

13.99% – 22.99%*

0%

13.99% – 22.99%*

 

Variable

 

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 "Apply Now" 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%, Min: $10

Balance Transfer Fee

3%

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

$171

$171

$171

Value of Bonus Points

$100

$0

$0

Annual & Application Fees

$0

$0

$0

 

Savings

Total Annual Savings

$5,471

$5,029

$5,759

Total Savings over 3 Years

$16,259

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



92 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

Instant Approval - Short Credit History Helpful to 5 out of 8 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
Beware of Sign-up end date Helpful to 11 out of 13 people

I had the card for over a year and a half and at first I was satisfied with it. It was annoying to have to keep activating the bonuses every 3 months but I put up with it. Secondly my sign-up bonus was only 0 APR for 15 months and $100 after spending $1500 in the first 3 months. They change the offer so much and refuse to give you the new deal if you had the card for over 3 months. The issues with the card began recently when I got charged an ATM fee when a store I bought goods from accidentally charged my card as an ATM transaction, but CHase refused to refund the ATM fee after several emails. Each time sending me to a new customer service agent. Ecah one as cold and heartless as the next. The next time they charged me $14.50 for interest because they claimed I did not pay the full amount after my 0 APR offer ended. I argued with them through emails and calls but to no avail stating my 0 APR ended in Oct. So I paid in full at the end of Oct but they said my 0 APR ended on Oct 1st so I was supposed to pay in full at the end of Sept.....After using Chase for over 7 years and having a credit score close to 800, they really lack in customer service or care. 

Dec 22, 2014
Great so far Helpful to 8 out of 9 people

I was looking to apply for a card. I recently had my scores tank due to a misreport (which I am now in the process of correcting), however I was still approved for the freedom instantly, despite a score of 540 and no other credit cards to speak of. I suspect Chase is willing to work with you if you have been with them for a while. As a customer of 10 years, I can honestly say I have seldom had an issue Chase wasn't at least willing to attempt to solve.

JuliaGoulia08's response was:    

 
Dec 18, 2014
Received 3K limit Helpful to 9 out of 13 people

I applied for this card today and recieved a limit of 3K. I have been working to rebuild my credit for the past year. My CK score is a 607. I have student loans (deferred) and a few store cards and 1 BOA and 1 CAP one. Looking forward to the bonus rewards.

Dec 12, 2014
Approved for Chase Freedom Helpful to 10 out of 13 people

Was approved for a Chase Freedom Scores: CK 619 TU 619 Quizzle 647 with a limit of 2200. I have Student loan current- 3 negative accounts 2 of which are medical and 2 other CC's current.

Dec 02, 2014

See all 92 Reviews of Chase Freedom®

† These Approval Odds represent Credit Karma’s estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to 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 September 2014 through February 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.