Chase Freedom®

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Unlimited 1% cash back on all other purchases - it's automatic. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5. No annual fee. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. Free credit score, updated weekly with Credit Journey℠.

Nav's Verdict

Cost
50% Complete
HighLow
Effort to Apply
10% Complete
DifficultEasy
Card Perks
30% Complete
PoorGood
Features
40% Complete
PoorGood

7/10

Bottom Line

A great card that can yield some serious cash back if you use it for bonus category shopping.

Pros

Favorable intro APR offer. 5% cash back rewards categories that change every quarter.

Cons

You must activate your 5% cash back rewards categories, otherwise you only receive 1% cash back.

Rates and Fees
Intro APR
0% Intro APR on Purchases for 15 months
Purchase APR
17.24% - 25.99% Variable
Annual Fee
$0
Welcome Offer
Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.
Rewards Rate
Earn 5% cash back in bonus categories.
Foreign Transaction Fee
3% of each transaction in U.S. dollars

Reviews

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