Chase Freedom(SM)

3% Bonus cash back on gas, groceries and fast food purchases for the first six months*
1% Unlimited cash back on everything else. No cap. No expiration.*
0% Intro APR on purchases only for up to 12 months.*
No annual fee

Other details about this card:

Available Reviews

I got a pre-Approved letter from Chase. I went to the website and entered my information and they said a decision will come within 4 weeks. I was pre-approved and now a decision will come in 4 weeks??? Well I didn't get the card, which actually I'm happy I did not, the terms and conditions allow Chase to increase your APR for ANY reason including high usage on other cards. The reason for denial went something like "you have a collection, bankruptcy, late payment or other negative item on your credit report that does not allow us to extend credit to you at this time" no words just??? Below that it said please consider Chase first for future credit needs once this item is cleared. what item?? I"M NEVER DOING BUSINESS WITH CHASE. btw I'm @ about a 700 transunion score

I have been looking for the right card for quite sometime. This Chase card was perfect until I found out they computed intrest using the "2-cycle" method. According to a press release out of Wilmington, DE. they pledged to stop "2-cycle". To confirm this I have contacted their customer service. After talking to several people they did verify that as of March 1, 2007 "2-cycle" is no longer the method they use. When I called to apply for a card, that department apparently has not received this information, nor has their website been updated. So I am just going to sit tight and make sure it is in print before I apply. P.S. The customer service wasn't the greatest. Nothing like trying to communicate with non-english speaking reps. It seems like they read a script, and if you stray away from that.... they get very confused. I think I would prefer an automated system, and I hate automated systems!!

Sorry guys, I forgot to add this card tot he list (of denials). I applied for this card the middle of last month, I stumbled across the phone number that I had written down a couple of days ago and that is how i came to remember that "I did apply with them, hummm let me give them a call" Well, they are still in review with it. I told the rep, "Just send me a denial letter like everyone else has because I am in the mist of cleaning out my drawres and I dont want to have any more junk in there." The rep fell out laughing and said, they should have a decision in about 7-10 days....well guess what? Those are denial days, 7-10 is a bad luck number....I would not use thoe numbers for lottery at all.

I like this card for the rewards program and the "Signature" prestige. They give 3% cashback in my three highest spending categories each month and 1% on all other purchases, redeemable as a paper check in increments of $50. Points expire after 36 mos. If I save up 20,000 pts. I get $250 instead of $200. Or I can call and have the dollar points switched to merchandise points. Customer service is provided by knowledgeable representatives who are native English speakers. Sometimes there is a wait time; I had thought Signature would have a dedicated line, but we are serviced by the general Chase line. This card does not have a 2-cycle balance, so there are no double finance charges. My APR is currently 16.49%, but I'm sure I could have it lowered. Since I don't carry a balance it doesn't matter. One trival downside of the card is its garish blue color. I asked if they had silver or black or a more subdued blue, and they promptly sent an old silver one. "Old" as in the old Visa logo, not the new one the blue card had, and no "blink" technology, which the blue card had. http://chaseblink.com/blink_flash.asp This is fine since in my area there are very few merchants equipped to use it. Anyway, swiping isn't so very cumbersome.

Noticed that my APR on my Chase card dropped .5% on my statement that just cut. I called and the CSR informed me that most accounts will receive this drop to reflect the Federal Reserve dropping rates. Provided that an account is in "good standing" it should reflect the lower APR within 2 statement cycles. My APR is still high at 21.74%, but I appreciate the little bit of luv.

I applied online and got a 500 credit limit. The only downside to chase is their interest rates are horrible. They have good promotional offers and trying to get lower aprs and cli is like pulling teeth!

I applied for this card almost 2 weeks ago and got the \"Your application is under review and you will receive a letter in the mail in 7 to 10 days explaining our decision\" and I took that as a denial and went about my happy way. But today I was curious as to what really happened and called the underwriting department and spoke to \'Dave\' and he asked me a few questions to verify my address and phone #, and said that he would put it in for a $2000 limit. After I got off of the phone I immediately called the application dept. and spoke the Chalise(sp?) and she asked a couple of questions and told me that I would receive the decision in the mail but I could call the automated number if I would like. I did and \"Congratulations, you are approved with a creddit limit of $2500 with a variable APR of 15.99%\" I am calling tomorrow to combine my chase visa with a $1000 limit and a 23.24% APR to the Freedom card.

I think this is a decent card to use. I like the rewards program on it. I am a little less thrilled with the 17% interest rate on the thing. I can enjoy the fact that I can pay my bill online and it is not a problem. Especially if you bank with Chase as well. I love the fact that when you get the bill, you can see everything clearly.

I called Chase regarding my checking account, only to request a debit card for my fiancee and I get off the line with a new credit card!

I currently have a Chase Flexible Rewards, CL of $1,300.00 and 20.99% apr, yea it sucks. Good thing I have a ZERO balance ;) Which ive never missed a pymt on but still refuse to give me a CLI, so I gave up on the card.

So the CSR goes on to tell me, how she has a great deal for me, that the system has a pre-approval offer for a cc with a higher limit and lower apr...... 0% APR for 6 months on purchases and balance xfers. After the 6 months, 9.99% apr. No annual fee and Rewards.

So, I said yes after a few Q&A and got instantly approved on the phone for a CL of $5,500.00!!!!

Im still in awe because this is now my highest CL card and lowest apr. I feel like I have accomplished something since I barely started building my credit on 01/2007, my first card BTW was the Chase Flexible Rewards ;)

....and my fico scores are....
EQ: 677
EXP: IDK (I will check my records and post later)
TU: 661

I have applied for this card on 03/18/08. My application is still being processed. I will let you know about the outcome as soon as I find out. However, I am pretty sure that I will be denied.

I applied for this card on 3/18, and didn't get an instant approval. Received a letter the following week requesting that I mail in a copy of my most recent electric bill to confirm my address. I called their application status number the next week, and the system let me know that my app was under manual review. I called in again last week because it seemed like it was taking a while, and the system said I\'d be notified in writing within 30 days from my application date. I assumed this meant I\'d be denied, so I called again today and was informed that I was approved! I have no idea why it would take almost a month to review a pretty simple credit card application.

When I applied, my scores were:
Transunion: 726
Experian: 708
Equifax: 713

I was finally approved for this card! It took 3 times but I got it. The first time I was denied was shortly after I was approved for the Disney card from Chase. They told me I was denied due to just opening up an account and not enough history with them. So I waited and applied about a month ago, but I figured I wouldn't get it because I asked for a CLI on my other card with them and got it. Sure enough I was DENIED! Well about a week ago I took out a cash advance on my other card (I have since paid that back) at a chase ATM. Doing so opened up and offer to me about being pre-approved for the Chase Freedom card, so I touched yes for wanting to apply again. Don't ask me why, because I was sure I was going to be denied AGAIN! So this time I swore to myself I was not going to check the status of it as I was sure I knew what it was going to be. I would just wait until I got the denial letter in the mail. Well I got sort of impatient and wanted to check so I was looking for the number to check the status of applications, but I couldn't find it. Next I logged on to my online account with Chase and what do you know below my other account info is the info for my NEW Chase Freedom card!!! I could not believe it! The best part is my limit is the highest of any other card I have! $4,500 And 0.00% APR for a year! I'm so excited this will be the only card I use from now on!!!!

The best way to use this card is on gas groceries drug stores or only 3 things and nothing else. You get the most cash back on your top 3 spending categories. So my trick is to only use this card for 3 things. GAS GROCERIES AND DRUGSTORES. I have consitently been given 50.00 in rewards. If you can be patient and wait to build it to 300.00 you will get back 350.00. I pay this off in full so I do not incur finance charges as well. 05/14/2008 Adjustment Redemption Credit(Other) 74266851353657340006113
$-50.00
Just for using the card I mean what more can you ask for from a card? I simply love getting paid for doing things I do already. It makes sense.

I was approved for this card one year ago. Absolutely the BEST experience I have ever had with a credit card. Two CLIs so far and the cash back reward is great: 3% on the top 3 spending categories; 1% on everything else. When you accumulate $50 in rewards you can get a check for $50 or receive a statement credit. I just received my first $50 check that arrived 5 business days after request. I use this card for everyday expenses (instead of my bank debit card) and pay in full each month. Also, Chase has lowered the APR 5 percentage points since I was approved. Although it doesn't matter since I pay in full, I appreciate the customer friendly policy. GREAT CARD!!

Just approved over the phone this is my second recon.
$1000 CL
APR ??
I dont know what my fico is for EX that what they pulled
truecredit says 529 :( yikes
Creditkeeper say 588 whatever
3 baddies
2 for a cable bill i been disputing for like ever for 200 totaling 200
and on Midland account for 1300 that will fall off I just told her Im new at the whole credit thing and sent letters to them and they havent sent validation back.
well it dont matter now cause im approved baby
so for all of ya'll out there that have been denied and have been reading about there recon call that backdoor number and get it done. Be forth coming and have your CR in front of you so you can answer whatever question they throw at you and they ask alot. if you dont get the answer you want wait and call back till you get the answer you want. I cant believe it I just cant believe it.

I had the Chase Circuit City Visa since May08. I had heard of others converting their CC cards to different Chase products, and since Circuit City was doing so poorly I figured it was a good time to try and change.

My first attempt was a call to the "Chase Product Change" department and was unsuccessful. They told me that this card could not be converted. After having read a few stories on other forums, I decided to try again but this time using the standard 1-800 customer service number. This time Chase said "no problem" and that they would convert my account today and to expect a new card and account number within 5-7 days. After I got off the phone, I pulled up my account on Chase.com and it was already changed, the account heading updated as ChaseFreedom.

They stated that it was a good move because the interest rate is much lower and still maintains no annual fee. I was very, very happy with the outcome here.

Way to go Chase!! I also have my car loan with Chase and they gave me a rate that was 1% lower than BOA (5.99% versus 6.99%)

Applied with a 625 and was approved for $2400CL. I have only been rebuilding my credit for the past year. Started out with a 580experian score and a secured BofA platinum plus card($500), eventually got 2 additional department store cards(walmart, $300 and jcp, $200). FYI: haven't made an inquiry for the last 5 months. And only applied for this one card. Figured it was worth a shot as I haven't applied for a card in awhile and needed a rewards card.

I applied on saturday and was approved on monday. Didn't get instant approval but Chase hasn't pulled a credit report on me yet as my credit monitoring service hasn't sent me a text message.

Numerous sites say to apply with a 680+ but the market may be so bad that these companies are just giving away cards. Might be the best time to apply

HELLO EVERYONE JUST WANTED LET YOU KNOW THAT MY WIFE APPLIED FOR THIS CARD ON OCT 9 AND SHE GOT IT CL 10,000

I applied for this card a few days after Citi Drivers Edge and just received it.

CL-7,500
No AF
APR-prime+3.99, 0% for 6 mos, and 0% on BT until 11/09

I wanted this card for some time as well, and figured i'd wrap my apps up with this one. I know, Meya I am having issues with the "submit" button, lol!

I like the fact that you can switch from cash to points whenever. I haven't seen that feature available from anyone without converting it to whatever reward you want.

I actually have the Chase Freedom Plus card. Which gives you 3% on top 6 categories and 1% for everything else. There is a $30 annual fee since I chose the Plus card. The rewards outweigh the extra $30 annual fee which is why I chose it.
Have had this card for about 3 years now. Only $1700 credit limit with 17.99 APR. I call once a year to get them to lower my APR, which they usually lower 1%. They refuse to give me an auto CLI, and I am not willing to take a hard pull. PIF almost every month because of the high APR.
For the couple times I have had to contact customer service they seem to be on top of things and know what they are talking about. I would recommend this card