Chase Freedom Credit Card

Chase Freedom®

ADVERTISER DISCLOSURE
Card Details

Signing Promotion

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

Reward Rate

1.00%* question

Annual Fee

$0

APR, Variable

Min APR: 13.99%
Max APR: 22.99%
Penalty APR: 29.99%, Variable
Cash Advance APR: 23.24%, Variable

Intro APR Promotions

Purchase: 0% for 15 mos
Transfer: 0% for 15 mos
Card Features
  • 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%
  • 5% Cash Back on up to $1,500 in combined purchases between 1/1/15–3/31/15 at grocery stores (not including Walmart® and Target® purchases), movie theaters, and Starbucks® stores
  • You'll enjoy new 5% categories every 3 months like restaurants, gas stations, 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 as long as your account is open
Apply Now

on Chase's
secure website

thumbsupPros
  • Bonus cash back categories
  • No annual fee
  • 0% for 15 mos on transfers
Disclaimer: Any editorial content is not provided or commissioned by Chase Bank USA, N.A. Opinions expressed here are author's alone, not those of Chase Bank USA, N.A, and have not been reviewed, approved or otherwise endorsed by Chase Bank USA, N.A. "Sponsored" above means this site may be compensated through the Chase Bank USA, N.A Affiliate Program.

Editor's Review

Author: Erin El Issa
The Chase Freedom® rewards cardholders with 5% cash back on rotating quarterly categories. For 2015, these categories are as follows:
  • Q1 (January - March): Grocery stores, movie theaters and Starbucks stores
  • Q2 (April - June): Restaurants and more (in 2014, Lowe’s home improvement stores)
  • Q3 (July - September): Gas stations and more (in 2014, Kohl’s)
  • Q4 (October - December): Amazon.com and more (in 2014, Zappos.com and select department stores)
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: $100 Cash Bonus after spending $500 - in first 3 months 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 The ongoing APR is 10.74% - 19.74% (V) . 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.
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