I have had the Chase Freedom for 3.5 years now. I only had one Wells Fargo platinum card with a $2800 credit limit on it before the Freedom. I was instantly approved to get the Freedom with a 685 credit score. My approved credit limit was $15,000 right away. I use this card for everything and pay it off every two weeks. I now have a 795 credit score and a $30,400 limit on the Freedom with over $850 in cash rewards. Great card, great service, and very easy to use mobile app. Love it and love the rewards.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0%* intro for 15 Months
- Balance Transfer Regular APR 15.99% - 24.74%* Variable
- Annual Fee $0
- Purchase Intro APR 0%* intro for 15 Months
- Purchase Regular APR 15.99% - 24.74%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
AVOID AVOID AVOID BEWARE UNFAIR PRACTICES UNFAIR UNFAIR BEWARE
I've been a customer for more than 10 years. Like many others I was hit by a major life event and found myself needing to pay thousands to Chase in interest. I never defaulted, I never exeeded my limit and I treated Chase as my prefered creditor, always paying them before others and even tightening my belt rather than miss any payments. While trying to recover and working hard to increase my credit score to a point before the setback, Chase decided to lower my Credit limits without cause. They said that I have recently spent too much money on credit cards. Yes I had a high utilization across the board but I had just turned the corner to start moving forward. They ignored the fact that my mortgage was just recently paid in full as well! BUT Not only did they lower my limits, they closed the gap that I did have and set my limits to the current balance. CREATING AN ARTIFICIAL 100% UTILIZATION! They don't care about your history with them. They don't care about their customers. AVOID AT ALL COSTS!!!
They CHANGE THE RULES even if you are paying on time and staying under your limit.
CHASE PLAYS BY THEIR OWN RULES!!! NOT INTERSTED IN YOU OR THE MONEY YOU PAY IN INTEREST!
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‡ Average score refers to the arithmetic mean and typical low score to the 5th 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 June 2014 through November 2014. 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.