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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
669
Typical Low: 613
Typical High: 743
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

$180

$180

$180

Value of Bonus Points

$100

$0

$0

Annual & Application Fees

$0

$0

$0

 

Savings

Total Annual Savings

$5,480

$5,038

$5,768

Total Savings over 3 Years

$16,286

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!


564 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

Great card with good cash back Helpful to 4 out of 4 people

im an Experian 784, Transunion 778.  Applied for this card back in december on a recomendation from a friend for use as a second credit card.  only had a capital one quicksilver at the time about 4 yrs old with a 2500 limit.  couple loans from my credit union since then.  i was approved for 11000.  been using the card for day to day payments on things, especially the quarterly 5% cashback.  great cards.  excited about the fact that i can roll over the points to the chase preffered in the future.

Beeleeyoo's response was:    

 
Mar 29, 2015

Beeleeyoo(1, 4)

GOT APPROVED! Unbelievable Helpful to 14 out of 18 people

so on march 9th i applied for quicksilver one mastercard and got approved for $300. That same day i got approved for $500 discover it chrome students card. Today march 25th I got an instant approval for $1200 chase freedom card. (i did the preapproval offer through their website which i highly recomend if your nevous abut not getting approved) Today i also got approved for early graduation on my bank of america secured card today is litteraly my 5th billing cycle they did a hard inquiry :( and did not give me an increase in my credit limit i suppose its because of my many charge offs from 5 years ago. She asked me what i was trying to do to fix them i told her I am working on it but because they are so old I would have to think about it more and talk to someone(basically just bsing her because im not restarting the time on such an old debt) i also do have a 200 collection from those fing red light cameras when my friend was driving my car. and i have very small medical bills on my experian report that have been removed on transunion and equifax. my credit scores are 650 for transunion on CK and 637 for equifax CK my discover fico score for TU is 639 when discover mailed my new card they said it was 645 it went down i guess becasue of the inquiry and new account. my experian score on their ios app is 631, my fico/tu score on capital one credit tracker is 632. i hope that the info i have provided gives more people hope and determination to get better at playing the credit game. may the odds be ever in your favor. :p

lg608976's response was:    

 
Mar 25, 2015

lg608976(2, 27)

Very good card with good rewards! Helpful to 11 out of 16 people

I applied for this card with a credit score of about 650. I mainly wanted it so I could roll over a high credit card balance since Chase offered 0% for 15 months plus the $100 when you spend $500 in 3 months.  I have used it to pay bills and then immediatly pay the bill amount. I have nothing to say bad about it and I love the cash back rewards!! 

I have been using this card for about 6 months! 

asiawagster's response was:    

 
Mar 25, 2015

asiawagster(1, 11)

Easy Application! Helpful to 7 out of 8 people

I applied for this card as my second credit card after holding a  Capital One card for a little over a year with only a $750 CL.

I'll admit I was not the most responsible card holder with my Capital One card, but I began to fix that and paid that card down appropriately and after a 3 months with it back under 20% utilization I tried applying for a card with Chase since I have a bank account with them. CK score was round 680 at the time of application, and when I applied online I was told it would need to be reviewed further. A day later I checked my online account on chase though and saw this card approved for a $2,500 Credit Limit! I called customer service and took no time to get connected to a representative. They confirmed the card was in fact approved and I got it in the mail about a week later.

Their reward points bonus for sign up is handle just as advertised. $100 Bonus after you spend $500. Within the first month I had already spent enough to earn that and on my very next statement I was awarded the $100 in cash back rewards points. I used it to shop on Amazon.com for a wedding gift for my friend right away! Be aware that if you want to get the best out of your cash back rewards, use Chase's website and follow their instructions. Amazon lets you link up directly to spend your cash back points, so that's really helpful too! Getting cash back deposited to an account normally appears very painless too! There's just an option on the website that shows you how much you're eligible for and you can enter the amount you want. Sadly I've not yet done this myself so I can't really offer experience beyond that.

Bonus points again for Chase having a fantastic mobile app. I made all my credit card payments using my phone just transferring the money from my Chase Checking to the card. If you have a Chase checking account, do yourself a favor and get yourself a good chase card to fit your needs. This one fits me perfectly and is truly helping me improve my credit

MatthiasN's response was:    

 
Mar 25, 2015

MatthiasN(1, 7)

No wonder they have bad reviews Helpful to 2 out of 20 people

Stay awa.

ravi1983's response was:    

 
Mar 24, 2015

ravi1983(2, 12)

See all 564 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 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.