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

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Just tell us some details and see which card matches your needs most.

Just tell us some details and see which card matches your needs most.

NerdWallet review

By Melissa Lambarena

Rating details

4.6

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Earns rewards

  • Opportunity for credit limit increase

Cons
  • Has foreign transaction fee

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.