Chase Freedom credit card Review 2017

Earn Ultimate Rewards without foreign transaction fees and learn Chase Freedom credit card benefits for free award night and award flight search.


The Chase Freedom credit card is a no annual fee cash back credit card offering bonus cash back in categories that rotate every 3 months. Customers also get a $150 signing bonus if they spend $500 in purchases within the first 3 months of their account opening. If the bonus categories and periods, during which you earn 5% cash back, make sense for your spending habits, we think the Chase Freedom can offer you good value. 


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What are Chase Freedom credit card benefits


$150 Bonus

After you spend $500 on purchases in your first 3 months from account opening.


$25 bonus

After you add your first authorized user to your Chase Freedom credit card and make your first purchase within this same 3-month period.


Redeem for cash back

There is no minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts.


Shop with points at Amazon

Link your Chase Freedom Unlimited card to your Amazon.com account and instantly redeem your Cash Back rewards to pay for all or part of your eligible Amazon.com orders at checkout, including tax and shipping.


Gift cards

Chase Freedom credit card benefits allow you to redeem for a variety of gift cards and certificates for shopping, dining and entertainment, and more.


Booking Through Chase Portal

Chase Freedom credit card benefits allow you to book your travel with Chase Ultimate Rewards for competitive rates and flexible ways to pay.

What Are Chase Freedom credit card Benefits for Shopping


5% Cash Back

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and earn 1% cash back on all other purchases.


Zero Liability Protection

Means you won't be held responsible for unauthorized charges made with your card or account information.


Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.


Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.


Fraud Protection

Chase Freedom credit card benefits help safeguard your account using sophisticated Real-Time Fraud Monitoring. You can rest easier knowing that your card transactions will be monitored for possible signs of fraudulent activity.


Fraud Alerts

In the case of unusual activity, Chase Freedom credit card benefits can notify you by phone, text or email.

Important Information regarding Chase Freedom APR, Annual Fee for Purchase/Balance Transfer/Cash Advance, and other cost information 


  • Chase Freedom Annual Membership Fee: $0
  • Chase Freedom APR for Purchases: 0% Intro APR for the first 15 billing cycles that your Account is open. After that, 15.99% to 24.74%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.
  • Chase Freedom APR for Balance Transfers: 0% Intro APR for the first 15 billing cycles that your Account is open. After that, 15.99% to 24.74%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.
  • Chase Freedom APR for Cash Advances: 25.99%. This APR will vary with the market based on the Prime Rate.
  • Chase Freedom Paying Interest: Your due date will be a minimum of 21 days after the close of each billing cycle. They will not charge you interest on purchases if you pay your entire balance by the due date each month. They will begin charging interest on balance transfers and cash advances on the transaction date.
  • Chase Freedom Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Chase Freedom Cash Advance: Either $10 or 5% of the amount of each transaction, whichever is greater.
  • Chase Freedom Foreign Transaction Fees: 3% of each transaction in U.S. dollars.
  • Chase Freedom Late Payment: Up to $15 if the balance is less than $100; up to $27 if the balance is between $100 and $250; up to $37 if the balance is $250 or more. 
  • Chase Freedom Returned Payment: Up to $37.