Chase Freedom® Visa - $100 Bonus Cash Back

Chase Freedom® Visa - $100 Bonus Cash Back

Chase Freedom® Visa - $100 Bonus Cash Back

Chase Freedom® Visa - $100 Bonus Cash Back

Chase Freedom® Visa - $100 Bonus Cash Back

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Card details

  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts

  • 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

  • Click "APPLY NOW" to apply online or call 888-925-5605

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1.00%

  • Bonus offer

    $100 Cash Back Bonus after spending $500 - in first 3 months

  • Intro APR

    Purchase: 0% for 15 mos

    Transfer: 0% for 15 mos

  • Ongoing APR

    Min APR: 14.74%, Variable

    Max APR: 23.74%, Variable

    Penalty APR: Up to 30.74%, Variable

    Cash Advance APR: 23.99%, Variable

  • Balance transfer fee

    3%

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

Chase Freedom - $100 Bonus Cash Back Credit Card

Chase Freedom® Visa - $100 Bonus Cash Back

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn moreLearn more
Annual fee

$0

Annual fee

$99

Annual fee

$199

Regular APR

14.74% - 23.74% Variable

Regular APR

21.24%-29.99%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

Purchase: 0% for 15 mos

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 21.24%-29.99%.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Erin El Issa

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

5

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Intro APR period on Purchases and Balance Transfers

Cons

    The Chase Freedom® rewards cardholders with 5% cash back on rotating quarterly categories. For 2016, these categories are as follows:

    Chase Freedom® and Chase Freedom Flex℠ bonus rewards categories for 2024
    Q1 (Jan. 1-March 31)
    • Grocery stores.
    • Fitness clubs and gym memberships.
    • Self-care and spa services.
    Q2 (April 1-June 30)
    • Select hotel bookings.*
    • Restaurants.
    • Amazon.com.
    Q3 (July 1-Sept. 30)
    • TBD (In 2023: gas stations and electric vehicle charging; select live entertainment).
    Q4 (Oct. 1-Dec. 31)
    • TBD (In 2023: PayPal; wholesale clubs; select charities).
    *Includes bookings made directly with the hotel and prepaid bookings through Chase's travel portal.

    The 5% rewards are capped at $1,500 in spending per quarter. Any bonus category purchases above this amount will be rewarded at the standard rate of 1%. To receive the 5% rewards, you'll have to opt in on a quarterly basis. But don't panic if you forget to do it at the start of a quarter -- you'll receive retroactive rewards as long as you opt in by the 14th day of the third month of the quarter (March 14, June 14, September 14 and December 14).

    Want more rewards? The Chase Freedom® has a signup bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. There's also a $25 cash bonus if you add an authorized user and make a purchase in the first three months.

    If you need some time to pay off a large purchase or you want interest relief while paying down current debt, the Chase Freedom® has an introductory APR of 0% intro APR for 15 months on purchases, and then the ongoing APR of 14.99%-23.74% Variable. Nerd tip: If you're planning on transferring a balance, keep in mind that there is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.

    For more information, check out our full review of the Chase Freedom®.