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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
672
Typical Low: 617
Typical High: 767
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

$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!


608 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 Rewards Helpful to 6 out of 7 people

I applied for this card and was approved for a 10K CL. I have a chase slate with a 5K CL that I had for 5 yrs now.  I am very pleased on how fast my card arrived and was able to activate the card on the website. For anyone with Poor credit now I can tell you if you work hard on repairing your credit, you to can have this Card and CL. Here is some backround on my credit Life. Back in 2005 I claimed Bankrupcy and had a score below 400. in 2006 I recieved my first credit card with a $200 CL. I used the card and paid it off every month for the next 6 months. Then I applied again for a new card and was appoved, $500 CL Both cards raised my credit to 1000 CL after 3YrS. I applied for other credit cards and by 2010 I had CL of 5K. As of today I have 10 credit cards with this card having the highest limit. Fico score of 756 as of 5/28/15. So all is not lost if you do the right things.

anlazzari's response was:    

 
May 28, 2015

anlazzari(3, 156)

dont know yet Helpful to 1 out of 1 people

applied for it just now, most likely got denied because if you are approved you get decision in seconds, if you dont get anything right away it means something is wrong, thats how it usually works, any suggestions my fellow friends?

EQ 700 TU 700 EX 710

megatron07's response was:    

 
May 28, 2015

megatron07(4, 2)

Disappointed Helpful to 7 out of 8 people

I got this card about a year ago, and have always made my payments in more than the minimum amount due on time. Recently applied for a CL increase and not only was I slammed with a hard inquiry, but was denied any increase. It's extremely disappointing. Considering paying this off in full and closing. 

cantsleep245's response was:    

 
May 27, 2015

cantsleep245(6, 22)

An awesome credit card! Helpful to 2 out of 5 people

With Freedom's 5% cash back I can shop, eat at restaurants and more and save $$$!!! Easy to get and easy to use. I primarily use the Chase Freedom card for the points reward. In a short duration after using it, I already racked up over 6000 points. I will wait to get a lot more in order to redeem the points. Highly recomment this card.

sunnye1988's response was:    

 
May 27, 2015

sunnye1988(1, 2)

See all 608 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 November 2014 through April 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.