Chase Freedom® Card Review – The Card I Use Most Frequently

by Ryan Guina

Note: The information related to the Chase Freedom® card has been collected by and has not been reviewed or provided by the issuer of this card.

The Chase Freedom® card is among my oldest credit cards. I first opened my account in 2007, when I opened it to take advantage of a sign up bonus, and because it had an excellent cash rewards program. I still use the Chase Freedom® card to this day. What follows is a general overview of the Chase Freedom® card.

Chase Freedom® – Cash Back Rewards Card

When I opened my Chase Freedom® card, I received a sign up bonus. The cash bonus was paid as a statement credit. The rewards program has since changed, and the card now offers a Points rewards system.

In addition to the initial sign up bonus, the Chase Freedom offers one of the most generous cash rewards programs on the market, with all purchases earning at least 1% cash back, and the opportunity to earn 5% cash back in rotating categories throughout the year. A 0% Intro APR on balance transfers from other credit cards and purchases gives an extra incentive to apply for this card.

You can redeem your cash back for cash, gift cards, statement credits, or make purchases through the online store. It’s easy to do all of this while inside to your Chase account online.

The only downside I can think of with this card is the fact that the 5% cash back isn’t automatic each month – you need to opt in to the 5% cash rewards offer each quarter. That said, Chase makes it incredibly easy to opt in each month. I signed up for text alerts. All I need to do is reply to the text and I am automatically signed up for the quarter. You can also opt-in online, via phone, or through their mobile app. You can also receive email alerts. All are equally easy.

To top it off, I recently called the Chase customer service department and they reminded me about the quarterly bonus and activated it for me while I was on the phone with them. I received a confirmation email from them about 10 minutes later stating my quarterly bonus had been activated.

As a Chase customer for over 9 years, I can also say their customer service is awesome. I have never had a long wait on hold and have never had a problem getting any customer service issues resolved.

Who is this card for? The Chase Freedom® card is an excellent general purpose cash rewards credit card and is a good option for anyone with excellent credit and who regularly pays their bills in full.

“Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.”

Published or updated April 6, 2016.
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{ 2 comments… read them below or add one }

1 Jim Berscheid

If I apply for this card or any credit card, what kind of a limit will I have on the card? I am a veteran.


2 Ryan Guina

Jim, each case is unique. If approved, your limit will depend on your credit profile, including your credit history, score, and current available lines of credit.


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