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The Chase Freedom Credit Card is designed to catch the attention of those who are seeking a cash back card. This card offers cash back on purchases such as gas, groceries and fast food. In addition, if you are an online shopper this card is part of the Chase Rewards Plus program that offers up to 10% cash back when shopping online. With this card there are no annual fees and a 0% Intro APR. Check out some of the details below to see if this card is right for you.
$50 Cash Back
You will receive $50 in bonus rebates with this bonus offer, which can be redeemed for a $50 check. You will qualify for and receive your bonus after your first purchase/first use of the card. First purchase/first use includes purchases, balance transfers, or any checks that are used to access your account, and excludes cash advances. After qualifying, please allow 6 to 8 weeks for bonus rebates to post to your account. This one-time bonus offer is valid only for first-time cardmembers with new accounts. Existing cardmembers/accounts are not eligible for this bonus offer.
1% Cash Back
Cash Back Rewards described in this offer is a form of rebates subject to the Rewards Program Rules and Regulations; see Earning Rewards section. Restrictions and limitations apply. You will earn a 1% rebate for each $1 of net purchases. You will earn an additional 1% rebate for each $1 of eligible airfare net purchases made online through the program booking tool. You do not earn rebates on balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that are used to access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your account. There is no maximum number of rebates that you can accumulate in the program. A service fee of up to $20 per ticket may be charged for the use of our toll-free number to book or change airline itineraries. Redemptions made online do not have a service fee. See Rewards Program Rules and Regulations which will be mailed after your account is established.
3% Cash Back
You will be eligible for quarterly bonus rewards offers as long as your account is not in default under, and/or you have not violated, the terms of your Cardmember Agreement and Rewards Program Rules and Regulations, and your statements are sent to a US address. The 3% cash back rotates between different categories of gas, home improvement, and department stores.
0% Intro APR
The length of your introductory period will be either 12 billing cycles from account opening for purchases or 3 billing cycles from account opening for purchases depending on our review of your application and credit history. APR is valid for introductory period so long as you comply with the terms of your account. Payments apply to the introductory balances before balances with higher APRs. This means that the length of your introductory period may vary based on your payment amounts and the APRs for other balances on your account. Learn more about rates, fees, and other cost information by reviewing Pricing & Terms.
Shop Online and get 10% Cash Back
When you shop online with Chase Rewards Plus you can earn up to 10% cash back. To take advantage of this offer you must first enroll your account at www.Chase.com and you have to shop through the links provided by Chase. There are hundreds of merchants that are part of this program so this is a great way to earn cash back on your online purchases.
If you are looking for a cash back card the Chase Freedom Card could be the one for you, but there are other cards that also offer those rebates. This card is not ideal for a balance transfer card, but there are cards available for that purpose.
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OK, the chase 3% cash back caught my attention, but I must tell you it’s not the best thing out there. Discover card has a better deal. You get 1% cash back on everyday purchases, just like Chase. But instead of the quarterly 3% cash back on different categories, discover card gives you 5%. They rotate categories every 3 months. I am suprised that you are saying this is the best thing out there. You also get higher percentages in cash back when you make purchases online. In comparison, Discover beats chase by 2%. Same rules, you have to be in good standing with them in order to receive your bonus. But for those who use the credit card like you would a debit card and pay your balances in full each month, you can rack up a nice chunck of change.
Shelley, I carry both the Discover More Card and the Chase Freedom. They are two of the best cards available in my opinion. It’s true that Discover pays 5% on select categories that rotate each quarter, but on other categories it pays just 0.25% to begin with. You can build up to 1% on these other categories, but only after your total annual purchases exceed $3,000. The Chase Freedom pays 1% from the start. Also, the Freedom cards offers 0% on purchases for up to 12 months; the Discover Card is just 6 months. And finally, the Chase Freedom pays a $50 bonus after the first purchase. So it’s a close call on these two cards, and that’s why I use both of them.