I really want to get the Chase Sapphire card, but didn’t think I would be approved for it so I decided to apply for the Freedom card first in order to build my credit and work my way up to the Sapphire card (I also liked the benefit of being able to link the Freedom card with the Sapphire card so you can transfer rewards points over and use them for travel instead of cashback). My TU and EQ scores were 689 and my Experian FICO 8 score was 638. I have around $100,000 in student loan debt that I refinanced a few months ago, and I financed a used car about 2 months ago. I had around $7,000 in credit between two store cards that were automatically closed without warning about 1 week ago due to inactivity for over a year (I never actually used them for anything), which lowered my FICO score 9 points (!!!) to the 638 number. I also had a charge off from chase about 4-5 years ago and have not had ANY credit cards since around that time (except the two store cards that closed and were never used). Because of all this I was really nervous that I would not get approved, and rightly so because when I applied I got the “your application requires further review” notice. I called Chase’s reconsideration line several hours after I applied and they told me that my application had in fact been denied due to “negative history with Chase”. I explained that I had the charge off around 4-5 years ago and that I had been really struggling with the student loans and didn’t have a good job yet, but I have not had any credit cards since then and recently refinanced my student loans and feel ready to manage a credit card again. I also said that I really want to get my foot back in the door with chase so that I can eventually get the Sapphire card. The gentlemen I spoke with listened politely and didn’t hassle me at all, which I was kind of expecting after reading all the negative reviews about Chase’s customer service and that people get blacklisted for over 10 years for having just one late payment with Chase. He then simply asked me a few basic verification questions, put me on hold for a minute or two and then told me I was approved for a $4,500 credit limit!!! I was really surprised, and relieved! I then asked him if I had to wait for the card to arrive to use it, or if he could give me my account number now. He said no, but then offered to put a “rush delivery” on my card and transferred me over to the department that handles that, so my card should arrive in a day or two. All in all I was very impressed with Chase’s customer service (I also spoke with two other people in other departments before the Reconsideration line and asked them several questions about my application and whether or not I could apply for the Amazon Chase card in the same day if my Freedom application was denied and only have one hard credit pull). Every person I spoke with was extremely courteous and helpful throughout the whole process. I really hope this treatment continues as I don’t plan to carry a balance on my card, and hope to be approved for the Sapphire card in a few more months.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0%* intro for 15 Months
- Balance Transfer Regular APR 15.49% - 24.24%* Variable
- Annual Fee $0
- Purchase Intro APR 0%* intro for 15 Months
- Purchase Regular APR 15.49% - 24.24%* Variable
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 $150 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, and a $5 or 5% (whichever is greater) balance transfer fee. It's important to stay within your budget while aiming for that $150 cash back bonus.
Most Helpful Positive Review
Most Helpful Negative Review
I love that they offer cash back. I'm a user that pays everything in full, so they pay me to use it; however, their online additional cash back you get from ordering items through the chase website leaves much to be desired. I purchased a lawnmower back in septemeber that was supposed to be an additional 2% cash back. It took speaking with 2 reps and emailing 5 or 6 times to get the additional amount. I finally received the additional amount in late Novemeber when I had to send them the full email receipt even after several reps verified I had made the purchase through the chase site.
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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.
† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.
‡ 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.