Chase Freedom®
on Chase's secure website
on Chase's secure website
Chase Freedom®
on Chase's secure website
on Chase's secure website
Card details
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
- Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
- Unlimited 1% cash back on all other purchases - it's automatic
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
- No minimum to redeem for cash back
- Cash Back rewards do not expire as long as your account is open
- No annual fee
APR, Variable
APR: 15.99% - 24.74% Variable APR
Cash Advance APR: 25.99%, Variable
Pros
- No annual fee
- 5% rewards on rotating categories
- Access to Chase’s Ultimate Rewards site to earn more cash back
Cons
- If you value simplicity, a flat rate cash back card may be better
- A foreign transaction fee
Bonus offer
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
Rewards rate
1.00%
Annual fee
$0
Intro APR
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.
NerdWallet Review
Author: Erin El Issa
The Chase Freedom® rewards cardholders with 5% cash back in rotating quarterly categories, on up to $1,500 in spending per quarter. All other purchases earn 1% cash back. To receive the 5% rewards, you have to opt in to the bonus categories each quarter. 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, Sept. 14 and Dec. 14).
Want more rewards? The Chase Freedom® has a signup bonus: Earn a $150 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% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 15.99% - 24.74% Variable APR.
For more information, check out our full review of the Chase Freedom®.
The Chase Freedom® rewards cardholders with 5% cash back in rotating quarterly categories, on up to $1,500 in spending per quarter. All other purchases earn 1% cash back. To receive the 5% rewards, you have to opt in to the bonus categories each quarter. 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, Sept. 14 and Dec. 14).
Want more rewards? The Chase Freedom® has a signup bonus: Earn a $150 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% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 15.99% - 24.74% Variable APR.
For more information, check out our full review of the Chase Freedom®.
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