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 16.49 - 25.24%. 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

50% Complete
Effort to Apply
10% Complete
Card Perks
30% Complete
40% Complete


Bottom Line

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


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


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
16.49% - 25.24% Variable
Annual Fee
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


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