• $50 Cash Back After Your First Purchase
  • 5% Bonus Cash Back Offers in Categories Like Gas, Home Improvement and Department Stores
  • Full 1% Cash Back on Every Purchase
Note! Do you know your credit score? Click here for free credit score offers.
Editor's Rating
5 out of 5
Intro APRIntro APR PeriodRegular APRCash APR Instant ApprovalCredit Needed
n/a0% APR for 12 mon...12.99%, 17.99%, or 22.99%19.24% or 23.24%NoGood
  • Up to an Additional 20% Cash Back at Select Merchants When You Shop Online Through Chase
  • Cash Back Rewards Never Expire
  • Zero Liability Protection Program with Advanced Fraud Monitoring
  • 20 Day Payment Grace Period on Regular Purchases
  • No Spending Tiers or Caps on How Much Cash Back You Can Earn
Annual FeeBalance TransferBalance Transfer FeeGuaranteed Approval
$0 Yes 3% No

Chase Freedom Credit Card

The Chase Freedom credit card is a cash back credit card that offers a number of impressive cash back rewards and perks. Read through this Chase Freedom review to decide if applying for the Chase Freedom credit card is right for you. Be sure that you use our free credit card finder to thoroughly explore your options before you apply for a card.

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Chase Freedom Cash Rewards

UPDATE: As of 4/1/10 the Chase Freedom has upped it’s max cash back percentage from 3% to 5% in rotating spending categories. Read on for more details.

The Chase Freedom card offers cash back rewards of a minimum of 1% cash back on all purchases with no limits. In addition the the guaranteed 1% cash back floor cardholders can also earn up to 5% cash back in certain categories. The 5% cash back categories rotate every 3 months (similar to the Discover More Card) so if you consistently spend money in one particular category then you may be better off choosing a cash back card like the American Express True Earnings Cash Back Card that has a fixed cash back amount of 1% to 3% in different categories that do not rotate.

Chase Freedom Merchant Discounts

In addition to the generous 1% to 5% cash back the Chase Freedom credit card also offers discounts through a partnership agreement with many online merchants. Chase cardholders are required to make their purchases by clicking through the links on the Chase merchant portal in order to be eligible for the special Chase cardholder discounts and rebates.

Chase Freedom Travel Rewards

The Chase Freedom travel rewards program is a nice benefit that many cash back cards do not have. To redeem Chase Freedom travel points cardholders can use the Orbitz powered flight booking engine at the Chase website.

Should You Apply for the Chase Freedom Credit Card?

No one credit card is right for everyone and you should use our free credit card finder to do your research and compare many different cards. That being said, the Chase Freedom Card is a great cash back card that also offers generous merchant discounts as well as travel rewards. If you have good or excellent credit and want a flexible cash rewards credit card then the Chase Freedom Card may be a great choice for you.

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