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September 3, 2010

Chase Freedom® Credit Card

by Rob on October 30, 2009

Chase Freedom(SM)

The Chase Freedom® MasterCard credit card is designed to catch the attention of those who are seeking a cash back and 0% intro APR card. This card offers cash back on purchases such as gas, home improvement, and department stores. 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.

Cash Back Rewards

With Chase Freedom® MasterCard, you can get 5% cash back offers in popular categories like gas, home improvement and department stores. On top of that, earn a full 1% cash back on everything else – no spending tiers or caps on how much you can earn. Chase also offers up to an additional 20% cash back at select merchants when you shop online through Chase

0% Intro APR or Cash Back Bonus

The Chase Freedom® comes in four different varieties. Two focus on cash back rewards, offering cash bonuses of $50 to $100. The other two don’t offer cash bonuses, but still offer cash back rewards and add 0% introductory rate offers. Here are all four cards:

Cash Bonus Offers

Chase Freedom® Visa – $50 Bonus Cash Back
Chase Freedom® Visa - $50 Bonus Cash Back
Chase Freedom® Visa - $50 Bonus Cash Back
  • Earn $50 Bonus Cash Back after first purchase
  • 0% Intro APR and No Annual Fee
  • 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
  • Unlimited 1% Cash Back on all other purchases with no spending tiers
  • Up to an additional 20% cash back when you shop online at select merchants through Chase
Intro APRIntro APR
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months on Balance Transfers12.99%-22.99% Variable*NoneYesGood

Chase Freedom® Visa – $100 Bonus Cash Back
Chase Freedom® Visa - $100 Bonus Cash Back
Chase Freedom® Visa - $100 Bonus Cash Back
  • Earn $100 Bonus Cash Back after you make $799 in purchases in your first three months
  • 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
  • Unlimited 1% Cash Back on all other purchases with no spending tiers
  • Up to an additional 20% cash back when you shop online at select merchants through Chase
Intro APRIntro APR
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
N/AN/A12.99%-22.99% Variable*NoneNoExcellent

0% Intro Offers

Chase Freedom® MasterCard
Chase Freedom® MasterCard
Chase Freedom® MasterCard
  • 0% Intro APR and No Annual Fee
  • 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
  • Unlimited 1% Cash Back on all other purchases with no spending tiers
  • Up to an additional 20% cash back when you shop online at select merchants through Chase
Intro APRIntro APR
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months on Balance Transfers*12.99%-22.99% Variable*NoneYesExcellent

Chase Freedom® Visa
Chase Freedom® Visa
Chase Freedom® Visa
  • 0% Intro APR and No Annual Fee
  • 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
  • Unlimited 1% Cash Back on all other purchases with no spending tiers
  • Up to an additional 20% cash back when you shop online at select merchants through Chase
Intro APRIntro APR
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months on Balance Transfers*12.99%-22.99% Variable*NoneYesExcellent

{ 6 comments… read them below or add one }

Shelley Patterson November 12, 2009 at 6:39 pm

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.

Reply

David November 12, 2009 at 8:48 pm

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.

Reply

Aly March 1, 2010 at 7:09 pm

Can anyone tell me what companies the Chase Freedom cash back offers are for? It tells categories but this card won’t be useful to me unless I would shop at these stores. Thanks in advance.

Reply

David March 2, 2010 at 7:16 am

Aly, the cash back rewards are category based, so as long as you use the card in the right category, it doesn’t matter what store you shop at. For example, if they are offering a special cash back on gas, it applies to all gas stations.

Reply

Jolie March 14, 2010 at 10:35 pm

Where do you go to find out the category based from Chase? Thanks!

Reply

David March 16, 2010 at 11:48 am

Jolie, here’s what Chase says: “Get 5% Cash Back offers in popular rotating categories like gas, groceries, airlines, home improvement and many more.” Note that the top tier cash back has been increased from 3% to 5%. As for which categories are currently eligible for the 5% cash back, you’ll need to contact Chase. For whatever reason, this information is not readily available on the Chase website.

Reply

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