Chase Freedom^® Visa

Card Details

Card Features

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Signing Promotion

Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months from account opening.

Reward Rate

1.00%*

Annual Fee

APR, Variable

APR: 13.99% - 22.99% (Variable)
Default APR: 29.99%
Cash Advance APR: 23.24%

Intro APR Promotions

0% APR for 15 months on purchases & balance transfers

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 July 1 and September 30, 2013 at gas stations, theme parks, and Kohl'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

Pros

Bonus cash back categories
No annual fee
0% for 15 mos on transfers

Disclaimer: This 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: Tim
Chase Freedom now comes with $100 cash back, making this card as attractive as ever. If used correctly and maximizing the 5% cash back categories, Freedom can get you one of the highest % in cash back. However, make sure you don't run a balance due to the high APR.
Freedom offers 5% cash back on revolving categories.

Here is the rewards schedule:

Jan-Mar 2010: Dining, Utilities, Education and Childcare
Apr-Jun 2010: Home Improvement, Lawn and Garden, Home Furnishings, and Drugstores
Jul-Sep 2010: Gas, Airlines, Auto Rentals, and Hotels
Oct-Dec 2010: Grocery Stores, Department Stores, and Movies

We’ve heard of several instances where Chase Freedom users who signed up 2-5 years ago were forced to switch to a 1.1% rewards card, a much less favorable program than they originally started with. Expect similar things to happen over the next few years with your Freedom card if you sign up! Also be wary that sometimes "incorrect categorization" may result in some losses of rewards.

Tip: Don’t forget to sign up for your 5% reward categories each quarter, or else you don’t get them. You can do this at the Chase Freedom website.

*Disclaimer: We try to keep information accurate and up to date, however we cannot make warranties regarding the accuracy of our information. Please verify FDIC Insurance / NCUA Insurance status, credit card information, and interest rates during the application process. Please note that NerdWallet has financial relationships with some of the merchants mentioned here. NerdWallet may be compensated if consumers choose to utilize the links located throughout the content on this site and generate sales for the said merchant.

* See the online 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 issuer's website

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.