| Rewards | Chase Freedom Unlimited®: Earn 1.5% cash back on all purchases. 3% back on dining and drugstore purchases. 5% back on travel booked through Chase Travel?. Chase Freedom Flex®: Earn 5% cash back in rotating quarterly categories (activation required), up to a spending cap. 5% back on travel booked through Chase Travel?. 3% back on dining and drugstore purchases. 1% back on all other purchases. |
|---|---|
| Signup Bonus | Both cards commonly offer a $200 bonus after spending $500 in the first 3 months from account opening (available on both Unlimited and Flex) |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | About ~29.24%–29.49% variable for cash advances, and interest starts accruing immediately on cash withdrawals or advance?type transactions |
| Cash Advance Fee | Typically either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Late Payment Fee | Up to ~$40 if payment is received after the due date. |
| Purchases APR | ~18.99%–28.74% based on your creditworthiness and the Prime Rate. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Chase Freedom Credit Card is known for its rotating 5% cash-back categories, solid bonus rewards, and $0 annual fee. Most users say they love how the card helps them maximize rewards on everyday spending, especially in the quarterly categories that range from groceries to gas to Amazon purchases. Many reviewers mentioned that the $200 signup bonus after spending $500 in the first three months is an easy and practical perk that gives the card instant value.
On the flip side, cardholders often point out that the rotating categories require activation each quarter, which some people forget, causing them to miss out on higher rewards. Others mention that the APR is on the higher side if you carry a balance, and some find the 1% back on non-bonus purchases a bit low compared with flat-rate competitors.
Personally, I think this card is best for organized spenders who can pay off balances monthly and track the rotating categories. It’s a great tool for boosting cash-back earnings on targeted spending, but those looking for simple, flat-rate rewards on every purchase might prefer a card like Chase Freedom Unlimited®.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
R
good perks, but a bit fiddly
I enjoyed the rotating bonus categories, especially during travel and dining quarters. That said, remembering to achieve each quarter was annoying, and some bonus capes felt low. Still decent overall, just not seamless.
D
Versatile
I use this card for groceries and rotating bonus categories. Cashback adds up quickly and redemption is easy through the app. No annual fee makes it an easy keeper for everyday spending.
