Last updated: 5/21/2021

Chase Freedom

Earns: Cash Back

★★★★★

GigaTake:

A good card for people who are willing to put effort into maximizing their returns. The Chase Freedom offers 1% cash back on purchases—less than some other cards—but 5% on certain categories, which change every quarter. You have to activate those categories and make sure to use you card on them to make it worthwhile.

Here’s how much you would earn with this card

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${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

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${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus

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Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

See how the Chase Freedom compares to other credit cards

Chase Freedom Other Cards

Rewards

Show Rewards For:

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Reward Rate = 1x

Value = 1 cent per point
Effective Value = 1 %

Welcome Bonus = 20,000

Value = 1 cent per point
Effective Value = $200

$1700

Annual Fee = $0

$695

Welcome Bonus

$200 Cash Back

After you spend $500 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article

Spending Rewards

1% All Spending

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Try the Analyzer now

0.4¢ PER POINT

2¢+ PER POINT

Other Card Information

If you have another Chase credit card that earns Ultimate Rewards, points can be transferred to that card, greatly boosting their value.

Annual Fee

Are Annual Fees Worth It?

The GigaPoints Guide to Credit Card Annual Fees Article

Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool

Additional perks of owning this card

Earn 5% cash back each quarter on up to $1,500 in rotating bonus categories.

The Fine Print

INTRO APR FOR PURCHASES	0% for 15 months
INTRO APR FOR BALANCE TRANSFERS	0% for 15 months
PURCHASES APR	14.99% to 23.74%
BALANCE TRANSFER APR	14.99% to 23.74%
BALANCE TRANSFER FEE	Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
CASH ADVANCE APR	24.99%
CASH ADVANCE FEE	Either $10 or 5% of the amount of each transaction, whichever is greater.
RETURN CHECK FEE	None
FOREIGN TRANSACTION FEE	3%