Chase Freedom® Credit Card
by Rob on October 30, 2009
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 |
|---|
 | - 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 APR | Intro APR
Period | Regular
APR | Annual
Fee | Balance
Transfer | Credit
Needed | | 0% | 12 months on Balance Transfers | 12.99%-22.99% Variable* | None | Yes | Good |
|
| 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 APR | Intro APR
Period | Regular
APR | Annual
Fee | Balance
Transfer | Credit
Needed | | N/A | N/A | 12.99%-22.99% Variable* | None | No | Excellent |
|
0% Intro Offers
| 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 APR | Intro APR
Period | Regular
APR | Annual
Fee | Balance
Transfer | Credit
Needed | | 0% | 12 months on Balance Transfers* | 12.99%-22.99% Variable* | None | Yes | Excellent |
|
| 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 APR | Intro APR
Period | Regular
APR | Annual
Fee | Balance
Transfer | Credit
Needed | | 0% | 12 months on Balance Transfers* | 12.99%-22.99% Variable* | None | Yes | Excellent |
|
{ 6 comments… read them below or add one }
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.
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.
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.
Where do you go to find out the category based from Chase? Thanks!
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.
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