Chase Freedom Credit Card

The Chase Freedom credit card is a rotating category cash back card. It offers 5% cash back on up to $1,500 in purchases on select categories that change each quarter. It also offers a $150 signup bonus, free access to your credit score, and without charging an annual fee.

Chase Freedom

  • Signup Bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 5% Cash Back: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter
  • 1% Cash Back: Earn 1% cash back on all other purchases
  • Intro APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers
  • Free credit score, updated weekly with Credit Journey
  • No annual fee


Transaction TypeAPR
Purchase APR14.99% - 23.74% Variable
Penalty APRSee Rates & Fees
Cash Advance APR24.99% Variable


Annual FeeNone
Cash Advance Fee5% (minimum $10)
Foreign Transaction Fee3%
Late Payment Fee$39
Returned Payment Fee$39

Intro APR

Introductory Purchase APR

0% introductory APR for 15 Months.

Introductory Balance Transfer APR

0% introductory APR for 15 Months.

The balance transfer fee is 3% of the amount transferred (minimum $5).

*Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.


Signup Bonus

Earn $200 after spending $500 in the first 3 months.

Reward Rate
CategoryReward RateSpending Cap
Changes Quarterly5%On up to $1,500 in purchases every quarter, then 1%.
All Other Purchases1%

We last updated the data in this credit card article on April 4, 2020. Please confirm all terms and conditions with the credit card issuer before applying for any credit card.