Chase Freedom® Visa
Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months from account opening.
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
- Bonus cash back categories
- No annual fee
- 0% for 15 mos on transfers
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Author: TimChase 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