Chase Freedom® Student credit card

Chase Freedom® Student credit card

on Chase's website

Chase Freedom® Student credit card

Chase Freedom® Student credit card

Chase Freedom® Student credit card

on Chase's website

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Card details

  • $50 Bonus after first purchase made within the first 3 months from account opening

  • Earn 1% cash back on all purchases

  • No annual Fee

  • $20 Good Standing Rewards after each account anniversary for up to 5 years

  • Earn a credit limit increase after making 5 monthly payments on time within 10 months from account opening when meeting credit criteria

  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open

  • Free credit score with Chase Credit Journey

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1%

  • Bonus offer

    $50 Bonus after first purchase made within the first 3 months from account opening

  • Intro APR

    N/A

  • Ongoing APR

    APR: 14.99% Variable APR

    Cash Advance APR: 24.99%, Variable

  • Balance transfer fee

    Either $5 or 5% of the amount of each transfer, whichever is greater.

  • Foreign transaction fee

    3% of each transaction in U.S. dollars

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$0

Annual Fee

$0

Annual Fee

$0

Regular APR

14.99% Variable APR

Regular APR

12.99% - 21.99% Variable APR

Rates & Fees

Regular APR

12.99% - 21.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months

Intro APR

0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

NerdWallet review

By Melissa Lambarena

Rating details

4.6

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Earns rewards

  • New cardholder bonus offer

Cons
  • No bonus categories

For products in its class, the $0-annual-fee Chase Freedom® Student credit card gets good marks, thanks in part to its credit-building features, solid incentives and a potential path to a product change with the same issuer.

New cardholders start off with an easy-to-earn sign-up offer: $50 Bonus after first purchase made within the first 3 months from account opening. The card also offers 1% cash back on purchases and incentives when you practice healthy credit card habits.

You’ll get a $20 reward every year for the first five years that your account is in good standing, and a potential credit limit increase after making five monthly payments on time within 10 months of opening your account. Terms apply. For more information, read our full review.