Chase Freedom - $100 Cash Back Credit Card

Chase Freedom® - $200 Bonus

ADVERTISER DISCLOSURE
Card Details

Signing Promotion

Get a $200 Bonus after spending $500 on purchases in your first 3 months from account opening.

Reward Rate

1.00%* question

Annual Fee

$0

APR, Variable

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

Intro APR Promotions

0% APR for 15 months on purchases and balance transfers
Card Features
  • For a limited time, earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Offer ends December 17, 2014. Apply now!
  • 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 October 1 — December 31, 2014 at Amazon.com, Zappos.com and select department stores
  • 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
Apply Now

on Chase's
secure website

thumbsupPros
  • Bonus cash back categories
  • No annual fee
  • 0% on purchases and balance transfers for 15 months
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: Tim Chen
The Freedom card is Chase’s version of the “5% cash back” cards, which pay bonuses of 5% cash back on  categories that rotate each quarter. Discover it is another card offering 5% in rotating categories.

Each of these cards tend to have similar rewards program structures, and they each offer roughly the same bonus categories each quarter.  Plus all require that cardholders sign up at the beginning of each quarter, in order to earn these bonuses.

They both have quarterly spending limits, but the two card often have different bonus categories.

Below is the calendar of bonus categories for 2014:
  • Q1 (January 1 – March 31): Gas stations, movie theaters and Starbucks stores
  • Q2 (April 1 – June 30): Restaurants and Lowe’s home improvement stores
  • Q3 (July 1 – September 30): Gas stations and Kohl’s
  • Q4 (October 1 – December 31): Amazon.com, Zappos.com and select department stores
Although we often gripe about how these cards require users to proactively "opt in" to their rewards each quarter, Chase allows users to sign up retroactively, and still earn the rewards.
And right now, Chase is also offering a killer signup bonus that makes the card a lot more appealing: Get a $200 Bonus after spending $500 on purchases in your first 3 months from account opening.

Finally, if you need a bit of help getting back on your feet, the Freedom has your back with an introductory APR offer: 0% on purchases and balance transfers for 15 months, and then the ongoing APR of 13.99% - 22.99% (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.
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