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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 fee.

  • 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%
  • 5% Cash Back on up to $1,500 in combined purchases between 4/1/15-6/30/15 at Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®.
  • 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 as long as your account is open

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
670
Typical Low: 614
Typical High: 744
15 Months   15 Months  

0%

13.99% – 22.99%*

0%

13.99% – 22.99%*

 

Variable

 

Variable

Additional Details

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.

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

$638

$638

$638

Value of Bonus Points

$100

$0

$0

Annual & Application Fees

$0

$0

$0

 

Savings

Total Annual Savings

$5,939

$5,496

$6,226

Total Savings over 3 Years

$17,661

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 of This Card

Chase Freedom® Cardholder Comparison Coming Soon!

We’re working hard to collect and analyze information about typical cardholders. When we have enough data available, you’ll see charts and statistics about this card, right here on Credit Karma. Check back often for updates!


576 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

The best reward card Helpful to 7 out of 9 people

The card has large retail stores listed as special bonus cash back stores, making it above the usual 1-2% cashback. You should probably aim to only use this card for specific retailers and what the bonus quarter purchases are.

For example, you get 5% from all amazon purchases during Oct-Dec, so you can get 5% on all your Christmas gifts. However, there is a max $75 cashback on the bonus for each quarter. So If you use this card for the specific retailers that give bonus cashback, you will easily pile up some reward points!

The account interface on the Chase website is okay, not great. Could include more information and details for your credit transactions.

Overall: The best rewards card you can get, IF you use it on the specified retailers and bonus quarters. Try other cards for everyday items, like groceries, gas, and travel.

cjadducci's response was:    

 
Apr 14, 2015

cjadducci(3, 8)

APPLY APPLY APPLY Chase is Awesome! Helpful to 2 out of 4 people

I hope this review helps someone as much as the past reviews have helped me.  Like most people my age, 25, I wrecked my credit when I was 18.  In January of 2014 I decided I would tackle my credit head on.  In a year and 4 months I've gone from secured CCs to graduated unsecured CCs and now a Chase Freedom and Barclays Rewards.  When I started on my road to repair, my credit score was in the mid-upper 500s now it  averages  660-680 across the Big 3 and a 644 FICO.  I applied for the Chase Freedom after being approved for a Barclays ($1,300CL) and denied an AMEX Everyday (Trust, I will try again next year).  I got the, "we will notify you in 7-10 business days...." msg from Chase and immediately called the reconsideration line.  The rep told me a few things needed to be verified.  I was transferred to another rep who asked a couple of questions, and then I heard the magic credit word, "Congrats."  I am STOKED!! Chase approved me with a $2,000 CL, my largest so far.  CK said I had a fair chance of getting this card.  If your scores are in the 650s APPLY! If you get denied call 888-245-0625 (reconsideration) be polite and patient and they will work with you.  THANK YOU CHASE! 

TrizzyT0616's response was:    

 
Apr 14, 2015

TrizzyT0616(2, 5)

APPLY APPLY APPLY Chase is Awesome! Helpful to 3 out of 4 people

I hope this review helps someone as much as the past reviews have helped me.  Like most people my age, 25, I wrecked my credit when I was 18.  In January of 2014 I decided I would tackle my credit head on.  In a year and 4 months I've gone from secured CCs to graduated unsecured CCs and now a Chase Freedom and Barclays Rewards.  When I started on my road to repair, my credit score was in the mid-upper 500s now it  averages  660-680 across the Big 3 and a 644 FICO.  I applied for the Chase Freedom after being approved for a Barclays ($1,300CL) and denied an AMEX Everyday (Trust, I will try again next year).  I got the, "we will notify you in 7-10 business days...." msg from Chase and immediately called the reconsideration line.  The rep told me a few things needed to be verified.  I was transferred to another rep who asked a couple of questions, and then I heard the magic credit word, "Congrats."  I am STOKED!! Chase approved me with a $2,000 CL, my largest so far.  CK said I had a fair chance of getting this card.  If your scores are in the 650s APPLY! If you get denied call 888-245-0625 (reconsideration) be polite and patient and they will work with you.  THANK YOU CHASE! 

TrizzyT0616's response was:    

 
Apr 14, 2015

TrizzyT0616(2, 5)

Approved after Discover It Denied Me! Helpful to 4 out of 6 people

FICO 716. 1 Year of credit history with CapOne Journey. Bought a car two months ago with Chrysler Capital. I applied for the Discovered it card and was only approved for the secured card. I really didn't want to do that and wait a year to get a real one so I went ahead an applied for the Chase Freedom and I was approved with a quick phone call to verify my application info for $2200!!

Drivinger22's response was:    

 
Apr 13, 2015

Drivinger22(2, 15)

Pre-qualify is the way to go Helpful to 21 out of 25 people

CK TU 667 EQ 664. After being turned down for a Discover IT card and Barclays(yes even Barclays not so good card) a few weeks ago, I stopped applying for stuff.  Within a couple of weeks, my approval odds on CK changed from Fair to Good for the Chase Freedom. But being me I didn't want to take the chance of a hard inquiry without knowing how good of a chance. Chase is known for having an accurate pre approval system on their site. If it says you are pre-approved and gives you an interest rate and terms, you almost always get the card. I recommend using that if you're nervous about applying and doing a HP. I used that and was pre-approved for the Chase Freedom and Slate. I chose to apply for Freedom because I like the benefits better. Once I did the official app I received instant approval for a CL of $4500. 

I have 2 regular C1 Quicksilver cards MC/VISA $2500/$3000 CL's and now Chase Freedom CL $4500.

We'll see how it goes and let you know if I still like it sometime in the future. 

PanamaJack76's response was:    

 
Apr 11, 2015

PanamaJack76(2, 43)

See all 576 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 October 2014 through March 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.