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Chase Freedom Credit Card

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  • Earn 5% cash back on up to $1500 spent in bonus categories each quarter
  • Earn unlimited 1% Cash Back on all other purchases; cash back rewards don't expire
  • $100 Bonus Cash Back after spending $500 in the first three months
  • Earn extra cash back when you shop online through Chase

Rates & Terms

Purchase Intro APR Regular APR Annual Fee Balance Transfer Period
0% 12.99% - 22.99%* (Variable) $0 15 months
  • Purchase Intro Period: 15 months
  • Balance Transfer Intro Rate: 0%
  • Balance Transfer Rate: 12.99% – 22.99%* (Variable)
  • Cash Advance Rate: 19.24 – 23.24%* (Variable)
  • Late Fee: Up to $35
  • Cash advance Fee: 3%, Min: $10
  • Balance Transfer Fee: 3%, Min: $5
  • Cash Advance Minimum: N/A
  • Balance Transfer Minimum: N/A
  • Credit Profile: Good Credit Score

Chase Freedom Credit Card Review

The Chase Freedom Card is a great rewards credit card that will earn cardholders substantial cash back even when just using it for day to day purchases.  It has great low-introductory APR and balance transfer periods, which can give you the freedom you need when you first have the card to manage your finances.  Additionally, the rotating categories include useful things like, Best Buy, or Airline Tickets, which make this card super effective.

Our only criticism would be that the 5% cash back is capped, which limits the amount you can leverage such an enticing feature.  This is a low-limit card that is easy to get access to, so this actually makes sense.  This isn't the card for the big spender who is pushing over $50,000 through their credit card every year (for that we'd recommend the Blue Cash Preferred from American Express), rather this is a great early credit card that will earn you a solid percentage back on a quarterly basis.