Chase Freedom® MasterCard

APPLY NOW
  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months on purchases and balance transfers
  • 5% Cash Back on up to $1,500 spent between Apr 1 and Jun 30, 2013 at restaurants, movie theaters, and Lowe's®
  • 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
Annual Fee:
$0
Purchase Intro APR:
0%
(15 Months)
Purchase Regular APR:
12.99% – 22.99%*
Variable
Balance Transfer Intro APR:
0%
(15 Months)
Balance Transfer Regular APR:
12.99% – 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 19.24% – 23.24%
Cash Advance Fee 3%, Min: $10
Late Fee Up to $35
Balance Transfer Fee 3%, Min: $5

Savings

Savings over 1 year $469
Savings over 3 years $1,173

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 $10,000 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
jaybraze
by jaybraze
Helpful to 11 out of 11

Just applied and got instantly approved withing seconds. Credit rating of 681. Utilization of 80%+ with 100% on time payments. No bankruptcy's and a total of 4 hard inquiries. 22 years of age and only had open credit for 1 year. I hope this helps anyone.

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
abernaki
Better when not in Credit Crunch
by abernaki
Helpful to 8 out of 8

Had mixed experience on this account.  This is a rotating rewards card.  As such I would supplement it with another rewards card(s). They don't report what category your purchases are so there is no way to tell which merchants qualified for the extra rewards or to verify you got what you should.  Customer service has been responsive on this issue, but not always helpful.  Rewards were easy enough to redeem.

They jacked up my minimum payment and apr during the crunch.  Luckily did not touch my credit limit.

One shining light in customer service was when they took care of a mistake they made to my rewards balance years ago.  My balance some how went from 0 to negative without any activity made by me.  I wanted it fixed before I started making charges and they fixed without hesitation.  Small deal, but having it go smoothly did a lot to make my day.

This is Similar to the Citi Dividend and the Discover More Card.  The Citi card makes you recieve rewards as checks.  Customer service at Citi is similar but slightly better than Chase.  Citi did not jack up rates during the crunch.  Although has done so in the past.  Was able to later get those rates back down.  Discover had one bad customer service many years ago and haven't looked back until recently.  It isn't always accepted so it needs another card more than this Chase.  Overall,  decent rewards card, good online feature set, poor interest rate, and big bank policies and customer service. 


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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