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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.

  • 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
669
Typical Low: 612
Typical High: 742
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

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

$593

$593

$593

Value of Bonus Points

$100

$0

$0

Annual & Application Fees

$0

$0

$0

 

Savings

Total Annual Savings

$5,893

$5,451

$6,181

Total Savings over 3 Years

$17,525

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!


535 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

Good Beginner card Helpful to 4 out of 4 people

Ok lets start with the goods. The rewards program is great, the end. Ok now with the bads. This bank does not raise the limit unless doing a hard inquiry even on a perfectly excellent credit score with 100% payments made. This bank has given me numerous hard times and hasn't been helpful at all, ever. I have applied for this card at least 3 times when I was young and got denied, until they saw me using another credit card then they started throwing themselves at me will endless mail and offers. APR is high. Customer service at the banks isn't the best. Enough said. I'd prefer Discover It over this any day of the week, but only downside it you need a good credit score to get that, so build it up fast and apply for that one.

Slade009's response was:    

 
Mar 05, 2015

Slade009(5, 6)

Rejected - not enough credit history Helpful to 3 out of 4 people

I was hoping to get this credit card to continue building my credit history. I have good credit score 719 on equifax and transunion. I came to US in April. Have bank of america credit card and car loan since October. I tried to apply for Chase freedom but they rejected my application due to no enough credit history. I pay everything on time. Now i need to wait or apply for any pther credit card.

nocredithistory's response was:    

 
Mar 04, 2015
High interest rate! Helpful to 10 out of 12 people

I've had the Chase Freedom card for many years. My credit rating is "excellent" and have not had a late or missed payment in several years. While customer service has always been polite I keep getting told that my interest rate on this card is at the lowest possible rate. That rate is 27.24% but I see it advertised all the time at lower rates. At this point I have a couple automatic charges to that card and pay it off each month. If it wouldn't negatively impact my credit score I'd close this account!

On the plus side, they have increased my limit over the years without my asking and they've always been polite, if not helpful, whenever I've asked about reducing my interest rate.

gnclark's response was:    

 
Mar 03, 2015

gnclark(1, 10)

GOT APPROVED Helpful to 6 out of 8 people

I applied for this card 3 weeks ago i Called today they told me i was approved for $11,500 .00  they said the card will arrive in 10 business days

ibrahim321's response was:    

 
Mar 02, 2015

ibrahim321(1, 6)

Helpful to 11 out of 13 people

I am 19 years old with 7 lines of credit. TU score of 673 and EXP score of 653. This is my 3rd credit card and I got instantly approved for $1,500. I'm trying to establish credit fast to get things going. Thank you ChaseFreedom and CreditKarma for the chance!

linw33zy's response was:    

 
Mar 02, 2015

linw33zy(2, 19)

See all 535 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.