Chase Freedom® Card
- $150 Cash Back Signup Bonus offer
- 5% Cash Back in Bonus Categories
- 0% Intro APR on balance transfers and purchases for first 15 months
- $0 Annual fee
- Credit Needed: Good, Excellent
- View Terms
Why We Like It
The Chase Freedom® is one of our top rewards cards for earning Cash Back with no annual fee.
Earn 5% Cash Back on rotating quarterly bonus categories up to $1,500 per quarter, plus 1% on everything else.
Past 5% Cash Back categories have included places like grocery stores, gas, restaurants, department stores, and even wholesale clubs! Simply "opt in" each quarter online.
A huge sign-up bonus: Earn a $150 Cash Back Bonus after you make $500 in purchases in the first 3 months of account opening!
This card also offers a generous 0% APR introductory period on purchases and balance transfers for the first 15 months.
Through December 31, 2017, earn 5% Cash Back at Walmart and department stores.
Get an introductory APR rate of 0% for 15 months for BOTH purchases and balance transfers from the date of account opening
$150 Cash Back Bonus if you spend $500 within first 3 months of account opening
We recommend you have Good to Excellent (approx. 690 and higher) credit before applying for this card.
You'll also earn a $25 Bonus if you add an Authorized User and they make a purchase in the same first 3 months of account opening.
$150 Signup Bonus is only available to new cardholders or cardholders who haven't received a new cardmember bonus for this card within the last 24 months.
As long as you opt in for the bonus categories by the 14th day of the third month of the quarter (March 14, June 14, September 14, December 14), you'll be able to earn rewards retroactively for purchases made in bonus categories during that quarter.
Additional benefits include:
- Price Protection: if you make a purchase with your card and find a lower price advertised within 90 days, be reimbursed the difference up to $500 per item, $2,500 per year
- Purchase Protection: covers purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account
- Auto Rental Insurance: coverage for damage due to collision or theft
- Plus, based on your credit score, you'll receive a Visa Signature card or Visa Platinum card that provide different additional benefits
|Purchase APR||15.99% to 24.74% variable|
|Intro Purchase APR||0% Intro APR for the first 15 billing cycles that your Account is open|
|Intro Purchase Period||15 billing cycles|
|Balance Transfer APR||15.99% to 24.74% variable|
|Intro Balance Transfer APR||0% Intro APR for the first 15 billing cycles that your Account is open|
|Intro Balance Transfer Period||15 billing cycles|
|Balance Transfer Fee||Either $5 or 5% of the amount of each transfer, whichever is greater|
|Cash Advance APR||25.99% variable|
|Cash Advance Fee||Either $5 or 5% of the amount of each transfer, whichever is greater|
|Late Payment Fee||Up to $15 if the balance is less than $100; up to $27 if the balance is $100 to less than $250; up to $37 if the balance is $250 or more|
|Foreign Transaction Fee||3%|
|Rewards Rate||Up to 5% Cash Back|
|Rewards Rate Details||Cash Back rewards don't expire as long as your account is open|
|Credit Needed||Good, Excellent|
Thoughts from Actual Users
"I have told many friends to apply for this credit card. I love the rotating 5% cash back categories and have been able to accrue many points since I have had this card. 100% happy with my decision to apply for and use this credit card." Steven B. of Denver, CO
"Been my Go To Card for Years. Card is awesome, points are awesome. I've been fortunate to not have any issues with purchases, or fraud, or anything along those lines. Access to account details / transactions is super secure and easy to use." Sarah V. of St. Louis, MO
"Best use as a "category card" but you can use it for non-category spend as well. Excellent bonus after reaching minimum spend. Exceptionally valuable when paired with the Sapphire Preferred or the Ink Plus premium cards. Customer service is good but better with the premium cards." Miguel L. of Knoxville, TN