Chase Freedom®

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum. 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. 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℠. No annual fee.
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
16.74% - 25.49% 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

Reviews Disclosure: The responses below are not provided or commissioned by the credit card, financing and service companies that appear on this site. Responses have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.



May 9 2018

This card is awesome! It offers a really great intro APR period and the rotating 5% categories add up so quickly. I love that you can redeem the cash back at any amount!



May 9 2018

I like this card a lot! Stay on top of whatever the reward structure is each quarter and make sure you're using this card for those purchases and you can earn some serious cash back.



May 9 2018

I've been getting an average of $150-300 back every quarter. I either put it back in my account or get it back in Amazon gift cards. It's been great for a personal card.

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