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  • 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
Annual Fee:
$0
Purchase Intro APR:
0%
(15 Months)
Purchase Regular APR:
13.99% – 22.99%*
Variable
Balance Transfer Intro APR:
0%
(15 Months)
Balance Transfer Regular APR:
13.99% – 22.99%*
Variable

Offer 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.

Cash Advance Rate See Terms
Cash Advance Fee 5%, Min: $10
Late Fee See Terms
Balance Transfer Fee 3%, Min: $5

Savings

Savings over 1 year $469
Savings over 3 years $1,143

Transaction Type Value

Savings Details

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.

Rewards

Sign-Up Bonus

Earn $100 after you spend $500 in 3 months.

All Purchases

1% cash back per dollar

No cap on spending

Gas

5% cash back per dollar


Cardholders' 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 Helpful Positive Review
atallman
by atallman
Helpful to 1601 out of 1805

Applied with a CK 687, Experian 730, Equifax FICO 724.  Perfect record, 8 months of credit history.

I was denied due to insufficient credit history.  I called the reconsideration number to speak with a personal credit analyst (888-245-0625).  I was surprised when the analyst said I still could not be approved.  Chase will pretty much always approve an applicant who calls that number asking for a reconsideration.  I called again and was told that I could not be approved because Chase will not approve an application for someone with less than 2 years of credit history, even with a prefect record.  (Kudos to Chase for lending responsibly.)

I then wrote a letter to the executive office making a case for my short but flawless credit history.  Today I received an e-mail congradulating me on approval and informing me that my card is in the mail.

Great card, but if you have less than two years credit history, expect a long uphill fight to get this card, even with good credit.  I was told "no" three times before I got the application approved.

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 Helpful Negative Review
JackHarkness
by JackHarkness
Helpful to 1561 out of 1685

I had two Chase credit cards ($5000 for one and $8500 for the other), with guaranteed 6.9% interest rates "for the life of the balance transfers". Credit limits were slowly raised as I used and paid the cards.

I was never late, never overlimit. Paid on time *every* month, slightly more than the minimums.

Then, I came into an unexpected windfall and paid off ~$5000 of the $8500 card. The next month I logged in and discovered that the credit limits for *both* cards had been lowered to the existing balances (give or take $50-$100).

They'd also raised my interest rates to 29.99% for both cards.

i'd had the cards for several years at that point, perfect payment histories and carried a balance.

I called customer service, and they couldn't've been more terrible and rude.

They said it was my debt-to-income ratio and utilization. I replied that they'd made my utilization much worse by lowering my credit lines. I also asked why they were taking punitive action when I'd *not* been late or over-limit; they replied that the small print said they could do whatever they wanted based on "perception of risk".

I'd never been late or overlimit on ANY of my accounts with ANY lender, in over 12 years.

I asked why my "perceived risk" was worse, when I'd never had *any* issues with *anyone*, and my income had actually steadily *increased* over the years.

They replied debt-to-income ratio and utilization were outside the national averages, so I was perceived to be at great risk of defaulting/declaring bankruptcy.

After more than 12 years of perfect history!

I asked them to reconsider, as the increased interest rate was against their promises, and that I had been a good customer for several years.

The CSR basically said I wasn't worth anything to them (despite paying interest faithfully all that time, albeit NO late or overlimit fees). They weren't earning enough on my cards, so they were taking punitive action in hopes I'd pay off or transfer out my balances, and stop being their customer so someone else would carry my "perceived risk".

I asked whether they wouldn't rather have my regular interest and faithful payments instead of someone who would be late or default. The CSR said it was inevitable that *I* would default, and they wanted shut of me.

I asked several times to speak to a supervisor (something that *no* other call center has ever denied me when needed - I'm someone who will actually ask for one to *praise* a good CSR, as I work in tech-support myself), and the CSR indicated that there were none. I repeated and he said it wasn't worth their time to talk to me, I wasn't worth it, and that the CSR was the only one I was ever going to be able to speak to.

They succeeded. I transferred all my balances out to a Capital One card, which I then slowly but steadily paid off, and am now using regularly (charge, carry a bit to improve credit score, pay off - repeat).

*Capital One* has been nothing but wonderful to me.

I would *never* recommend Chase. I recommend Capital One very highly. 9.9% instead of 6.9%, but it's across the board instead of just balance transfers.

Chase only wants either very rich clients or very poor ones that will generate fees. They don't want the little (or middle) guy. And their Customer "Service" was the *worst* I've ever encountered, bar NONE.


Our Take

With great rewards and more, Chase Freedom® is a well-rounded credit card for consumers with good to excellent credit. It’s also one of the most popular credit cards on Credit Karma.

What to Like

Chase Freedom®’s cash back program includes 1% cash back on every purchase, as well as 5% cash back in rotating bonus categories like gas or groceries. Cardholders can also get a $100 cash back bonus after making $500 in purchases in the first three months. The Chase Freedom® offers a 0% introductory APR on both purchases and balance transfers for the first 15 months.

Look Out For

This card features a 3% foreign transaction fee, a $5 or 3% (whichever is greater) balance transfer fee and a high penalty APR that can be triggered by missed or late payments. It's important to stay within your budget while aiming for that $100 cash back bonus.

Similar Offers

† 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 March 2015 through August 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.

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