Chase Freedom®

Chase Freedom®
Dan's Rating: 3.8 / 5   
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Bonus Categories

All Categories
Rotating Quarterly Categories
(cap: $1,500)

Card Features

Fraud Protection
Concierge Service
Lost Luggage Coverage
Travel Assistance
Travel Accident Insurance
Extended Warranty
Car Rental Coverage
Purchase Protection
Apple Pay
Android Pay

The Sign-Up Bonus

  •  Earn 15,000 Chase Ultimate Rewards Points when you spend $500 within the first 3 months

Get These Perks

  •   5% cash back up to $1,500 in combined purchases in bonus categories each quarter you activate (manual activation required for these rotating categories)
  •   Pay no annual fee on this card
  •   0.00% Intro APR for 15 months

Pros & Cons

  No annual fee
  0% intro APR for 15 months
  Travel benefits
  Shopping benefits

  Complicated rewards structure

  Highest rewards limited to rotating bonus categories

What You'll PayMore fee details 

Annual Fee
No annual fee
Foreign Transaction Fees

Recommended Credit

Good - Very Good - Exceptional Review

Written by Amy 2 years ago

Best For...
The bonus categories for this card rotate every 3 months, giving cardmembers opportunities to increase their rewards.

Review of the Chase Freedom®

Every quarter, Chase designates a bonus categories and/or brands that will earn 5% in their Ultimate Rewards program.  To get the full benefit of this card, every quarter you have to choose the rewards categories that best fit your spending habits.  In addition, you have to be mindful that because of the $1,500 spending cap, you can only earn $75 cash back each quarter, after which the rate reverts to 1%. 

The Bottom Line
To maximize your rewards, this card is best used only when the bonus categories apply and before maxing out on the $1,500 quarterly limit. For the rest of your everyday purchases another cash back card would be simpler and earn more rewards.

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