Chase Freedom Credit Card issued by Chase |
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Overall Rating

Benefit Rating
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Apply online for this card or read on for a full review of all the features.
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In-Depth Credit Card Review |
This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar.
The Chase Freedom(SM) Credit Card, issued by Chase, is designed for those who have excellent credit and plan to take advantage of the cash rewards program.
Through the rewards program, cardholders earn a 3% rebate on purchases made in the 3 bonus categories where they have spent the most that billing cycle. There are 15 bonus categories altogether including: grocery stores, gas stations, quick service restaurants, telecommunications, cable/satellite TV/Internet service providers, video rentals, department stores, dry cleaners, drugstores, movie theatres, local and suburban commuter passenger transportation, pet supply stores and veterinary services, utilities, beauty shops, and gym/recreation memberships. Cardholders also earn a 1% rebate on all other purchases.
Cardholders are eligible to receive a $50 check once $50 in rewards have been earned or a $250 check once $200 in rewards have been earned, which is a bonus of $50. Cardholders will also receive a $50 bonus rebate after their first purchase, balance transfer, or check transaction. Plus, they have the freedom to switch rewards to earn points instead of cash back.
In addition to the rewards program, the card also offers many cardholder benefits provided by Chase, such as travel accident insurance, auto rental insurance, and travel and emergency assistance services.
The card has no annual fee and an average APR for purchases.
Therefore, those who plan to take advantage of the cash rewards program will benefit most from what the Chase Freedom(SM) Credit Card has to offer.
Most Attractive Feature: Access to rewards program for no additional fee; no annual fee; $50 bonus rebate after first purchase.
Least Attractive Feature: Yearly limit on bonus rebates.
Note: The review of this Chase card was updated on 05/08/2008 and is believed to be accurate during the update,
however, information posted may have since changed. We strongly suggest that you carefully read the Terms and
Conditions statement that accompanies the credit card application
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| Key Card Information |
| Miscellaneous Rates and Terms |
| Credit Limits: | n/a (Maximum) |
| Purchases APR: | 14.99% | | Cash Advance APR: | 20.99% | | Finance Config: | Average Daily Balance (including new purchases) | | Grace Period: | 20 Days (Min.) | | Fees Associated with this Card |
| Annual Fee: | $0 |
| Add. Cardholders: | $0 |
| Late Payment Fee: | $15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over |
| Over-the-Limit Fee: | None | | Cash Advance Fee: | 3%, $10 minimum |
| Balance Transfers: | 3%, $5 minimum, $75 maximum |
| The Rewards Program Highlights |
| Optional Reward: | No |
| Rebate Minimum: | 1% |
| Rebate Maximum: | 3% |
| Additional Rebates: | Earn a 3% rebate on purchases made in the 3 bonus categories where cardholders have spent the most that billing cycle out of 15 bonus categories including: grocery stores, gas stations, quick service restaurants, telecommunications, cable/satellite TV/Internet service providers, video rentals, department stores, dry cleaners, drugstores, movie theatres, local and suburban commuter passenger transportation, pet supply stores and veterinary services, utilities, beauty shops, and gym/recreation memberships. Plus, earn a 1% rebate on all other purchases. |
| | Cardholders are eligible to receive a $50 check once $50 in rewards have been earned or a $250 check once $200 in rewards have been earned. |
| Yearly Limit: | None for the standard 1% rebate. (When cardholders reach $600 in monthly spending in the bonus categories, they will only earn the 1% base rebate for each additional $1 of net purchases in these categories.) |
| First Purchase Bonus: | $50 Bonus Rebate* |
| Other Bonus: | $50 Bonus Rebate** |
| | *Earn a $50 bonus rebate after the first purchase, balance transfer, or check transaction. **Receive a $50 cash back bonus every time $200 in rewards have been earned. |
| Additional Highlights of Interest |
Special Card Benefits and Features
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Various Internet account related services.
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No liability for unauthorized transactions.
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Lost and stolen card reporting.
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Emergency cash replacement.
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Emergency card replacement.
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Various travel and emergency assistance services.
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Travel accident insurance.
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Extended warranty for purchases.
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Auto rental insurance (Auto Rental Collision Damage Waiver).
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Year-end financial statement (upon request).
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See website for additional benefits.
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Certain restrictions, limitations, and exclusions apply.
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If an account is opened, please refer to the Guide to Benefits for details.
Important Notes Regarding This Offer
See website for complete terms and conditions of card usage and application disclosure.
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