Chase Freedom

welcome offer

Earn $200 after $500 spent within the first 3 months. Intro 0% APR for 15 months on purchases.

Bonus Cash Value

Approximately $200*

Annual Fee

$0

Card Rewards

Earn 5% cashback at rotating categories

Earn 5% cashback on Lyft Rides

Warn 1% cashback on everything else

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Chase Freedom card has a wide range of categories where to get 5% cashback at rotating categories, as well as 1% cashback on everything else. The 0% APR for 15 months will give you more room for purchases and balance transfers while aiding your cash flow.

Card-Smart Tips & Advice
  • Fair credit ok if you already have an existing Chase Bank Account
  • This card is under the  Chase 5/24 rule
  • You can only get approved for up to 2 Chase Credit Cards in 30 days (Business Cards and Personal cards are counted separately)
  • You cannot get approved for any Chase Freedom Product (Freedom or Freedom Unlimited) if you currently have any Chase Freedom Credit Card (Freedom or Freedom Unlimited)
  • Chase Bank will usually pull your Experian credit report
  • You can check your application status at  Chase.com  / Customer Center / Check my app status or call 1 888 338 2586
  • If you get declined then you can call 1 800 453 9719 to be reconsidered
Balance Transfer Terms
  • Balance transfer fee: 3% or $5, whichever is greater
  • You cannot transfer balances from other credit cards issued by Chase Bank
  • Balance transfers are capped at $15,000 (each month) even if your credit limit is higher
  • No penalty APR
Card Details And Benefits
  • If your card is approved for $5,000 or more the benefits will also include Trip Cancellation / Interruption insurance
  • Auto Rental Collision Insurance
  • Extended Warranty Protection
  • Purchase Protection
Chase Freedom Chase Freedom Unlimited
Annual fee: $0 $0
Cashback: 5% cashback in rotating spending categories (on up to $1500) per quarter1% cashback on everything else 1.5% cashback on everything (no spending limit)
Sign-up bonus: $150 bonus for spending $500 in the first three months $150 bonus for spending $500 in the first three months
Introductory APR 0% APR for 15 months on purchases 0% APR for 15 months on purchases
Transferable points You can transfer points to any other Chase card participating in the Chase Ultimate Rewards program You can transfer points to any other Chase card participating in the Chase Ultimate Rewards program
Other benefits Auto rental insurance Purchase protection Extended warranty protection Auto rental insurance Purchase protection Extended warranty protection
Visa Signature benefits If your card is approved for $5,000 or more the benefits will also include Trip Cancellation / Interruption insurance, up to $6,000 per trip, and $1,500 per person. If your card is approved for $5,000 or more the benefits will also include Trip Cancellation / Interruption insurance, up to $6,000 per trip, and $1,500 per person.

Additional Resources

People also viewed:

Ink Business Preferred

Chase Sapphire Preferred

United Explorer

Chase Sapphire Reserve

Citi Premier Card

Ink Business Cash

Spark Cash Business

Ink Business Unlimited

Spark Miles Business

Capital One Venture

United Business

Miles & More

Amex Gold Delta

Amex Platinum Delta

Barcalys Avaiter

Barclay Aviator Business

Amex Hilton Surpass

Hilton Honors Business

AAdvantage Platinum Business

Citi AAdvantage Card

Alaska Mileage Plan

Alaska Airline Business

US Bank Business Cash

JetBlue Business

*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers.