My Saved Cards
Title
Welcome to My Saved Cards
Save and compare credit cards to find the best fit for you. All you need to do is find cards you like and check the Compare This Card box. When you’re ready to review, click the compare button that appears in this menu.

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 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%
  • 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
675
Typical Low: 624
Typical High: 750
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 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!


630 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

JoeAseer(2, 1)

My first credit card!!! Helpful to 1 out of 1 people

I applied for this card back on December 16th, 2014 since I needed a credit card to rent a car. I didn't know much about credit cards then or realize that I was lucky to be approved. I had no credit history and the only reason I was approved was probably because I had a chase checking and savings account for years. I was instantly approved over the phone for a 500 dollar credit limit. Since then I've made over 355 dollars in cash back. Which of course more than paid for my car rental. I didn't even have credit karma score at the time, I had a thin file until this chase freedom card posted. And then my score showed 670 TU and 677 EQ.

Basically having this card has been a great start to my credit journey. They have decent fraud protection, which means you have to call them up when your leaving the state or country. And you get car rental insurance if you put the rental on your Chase Freedom card. It's basically like any credit card, just don't leave a balance and you'll be fine. Infact you'll be great with all the cash back you can get.

JoeAseer's response was:    

 
Jul 01, 2015
Applied and Approved. Helpful to 1 out of 2 people

Applied and recieved an instant decision. Approved for $4000 CL.

Nickroberts8226's response was:    

 
Jun 30, 2015

pktdebt(1, 1)

Great for everyday purchases Helpful to 1 out of 1 people

CK said poor odds of approval, I was approved - 4 yrs after BK discharge (no prior chase cards).

pktdebt's response was:    

 
Jun 26, 2015
Denied then approved! Helpful to 2 out of 2 people

I wanted to give my experience with the application process for this card.  As of today my scores are TU and EQ both 693, and FICOs are 714 TU, 669 EQ, and 708 EX – I’ve taken a couple of dings recently, as I applied for three cards last week (not including the Chase Freedom, and was approved for all!).  In March I applied for the Chase Freedom card, after CK said I had a “Good” chance of being approved, and got the 7-10 day message.  As per the suggestions I’ve read on this website, I called the back door number and spoke with someone who told me that, while my credit score was good enough, my credit history was too short.  I explained that I had been approved for other cards recently – namely the Capital One Quicksilver One (CL $300, my first card approval since beginning credit repair – has since been CLI to $1300), and the Amex Everyday Card (CL $3500, which has since been CLI to $10,500), which I applied for in February.  I thought that if he knew other banks had taken a chance on me, maybe Chase might too, but he said it really didn’t matter, and that I should try again in a few months.  So last week I was comparing the Chase cards again, and decided to apply for the Sapphire Preferred instead of trying again for the Freedom.  I was instantly approved with a $5000 CL.  I’m always doing credit card research, and since that day, I’ve read on a handful of websites that it’s very beneficial to pair the Sapphire Preferred card with the Freedom card because of the rewards, so today I decided to go ahead and apply again for the Freedom card, and again I got the 7-10 day message.  I called the back door number again to find out why I was approved for one Chase card but not the other.  I spoke with someone named Josh who was very friendly.  I actually had to hang up at the beginning of the call (I am at work) and call back, and to my surprise, he answered the phone again, although I have read in several places that Chase does not use a lot of customer service automation.  So I explained my situation to Josh, and he said I was in fact denied again simply because there was a previous application on file that was too recent (which was the Chase card I was approved for last week).  But he seemed like he truly wanted to help, and said he would do whatever he could to get me approved.  He verified the info in my application.  I was honest about everything because my main goal is not to acquire a bunch of cards but to build credit, even if it means being denied a card or two along the way.  I also told him why I wanted the card (although he did not ask me that specific question, as I have read that some recon reps will do).  He asked me a couple of other questions that weren’t on the app, such as how long I’ve been with my employer (9 years), and said he was going to put me on hold for about 5 minutes while he tried to overturn the decision.  He came back to the line and said he was able to get me approved!  The CL is $2200, and I’ll be honest – I was hoping for higher since I was approved for the Sapphire with a $5000 CL and I’ve been approved for a Discover recently with a CL of $6000, but I’m not going to complain – I’m just happy I was approved and that I won’t have a ding from an inquiry for nothing.  

frenchqtrchef's response was:    

 
Jun 24, 2015

Jsh0517(2, 25)

Approved when CK said my odds were poor Helpful to 0 out of 1 people

Chase pulls from equifax. My score is 633. I have had a chase checking and savings with steady income and direct deposit with them for over 4 years (maybe that helped). Initial credit line i received was $700. Attractive $200 bonus for spending $500 within the first 3 months, plus 0% APR for 15 months, unlimited 1% cash back on any purchases and a 5% cash back on select categories. No annual fee ever is a good thing, but as soon as my APR intro rate expires, I'm getting slammed at 22.99%. At the point my intro rate expires, I'll try and renegotiate my APR, but I rarely carry a balance on any of my credit cards, or make sure it's paid down substantially before it reports. All and all I think I will be happy with this card, since I already bank with chase, all my accounts are linked together. I'm sure they reviewed my history of payments to capital one and seen very large auto pays to capital one, and figured they wanted a piece of hat pie and get me away from capital one. I was a bit surprised they approved me with a below credit score, but like I said maybe having a chase checking/savings with income verification helps as well. Add an authorized user to the account and get an extra $25. $225 total free money from this card with very little effort to obtain this cash back. 

Jsh0517's response was:    

 
Jun 21, 2015

See all 630 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.