after you spend $500 on
purchases in your first 3 months
from account opening
Chase Freedom® Card
Before we approve you for a credit card, we will review your credit report and the information you provide with your response to confirm that you meet the criteria for this offer. Based on this review, you may receive a Visa Signature card or Visa Platinum card with different costs and/or benefits, or you may not receive a card. For pricing details, please see Pricing & Terms. For benefits details, please read your credit card benefits materials which will be mailed after your account is established.
This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. You will receive 15,000 bonus points with this bonus offer, which can be redeemed for $150 cash back. To qualify and receive your bonus, you must make Purchases totaling $500 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.
This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. You will receive 2,500 bonus points with this bonus offer, which can be redeemed for $25 cash back. To qualify for and receive your bonus, your First Purchase and addition of an authorized user to your account must both occur during the first 3 months from account opening. (“First Purchase” does not include balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.
Cash Back, Points and Net Purchases
Cash Back and Points: “Cash Back rewards” are the rewards you earn under the program. Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points. When you use points to redeem for cash, each point is worth $0.01 (one cent), which means that 100 points equals $1 in redemption value. Redemption values for other reward options may vary. You may simply see “Cash Back” in marketing materials when referring to the rewards you earn. How you can earn points: You’ll earn points when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count and won’t earn points: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 1% Cash Back: You’ll earn 1% Cash Back rewards for each $1 spent. This equates to $0.01 in Cash Back rewards, which is equal to 1 point, for each $1 spent. 5% Cash Back: You’ll earn 5% Cash Back rewards total for each $1 spent until $1,500 is spent on combined purchases in the quarterly bonus categories each quarter that you activate the bonus (4% additional Cash Back rewards on top of the 1% Cash Back rewards earned on each purchase). This equates to $0.05 in total Cash Back rewards, which is equal to 5 points, for each $1 spent, until you reach the $1,500 limit. $5 in Cash Back rewards is equal to 500 points. You must activate your 5% Cash Back bonus each quarter by the activation deadline. 5% Cash Back quarterly bonus categories may include individual select merchants in addition to bonus rewards categories. After $1,500 is spent on combined purchases in the quarterly bonus categories each quarter, you go back to earning 1% Cash Back rewards for every dollar spent, with no maximum. For more information on 5% Cash Back quarterly bonus offers, please visit chase.com/freedom and select the Chase Freedom FAQs link at the bottom of the page. We may offer you ways to earn bonus points through the program. You’ll find out more about the number of bonus points you can earn and any other terms at the time of the offer. How you can use your points: You can use your points to redeem for cash starting at 2,000 points through an account statement credit or electronic deposit into an eligible checking or savings account held by a financial institution located in the United States. Other redemption options include gift cards, travel, and products or services made available through the program or directly from third party merchants. Point expiration/losing points: Your points do not expire as long as your credit card account remains open, however, you will lose all your points if your account is closed for any reason. Rewards Categories: Merchants who accept Visa/MasterCard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see www.Chase.com/RewardsCategoryFAQs. Rewards Program Agreement: We will mail you a Rewards Program Agreement containing additional rewards program terms once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will be available online as well.
Adding an Authorized User
All correspondence, including credit cards, statements, and notifications will be sent to the name and address on file for the primary cardmember. The primary cardmember is responsible for repaying all balances on this account. Authorized users will have the same charging privileges as the primary cardmember but will not be financially responsible. We provide account information to the credit reporting agencies for all account users. This information could impact an authorized user’s credit score. By requesting to add an authorized user to your account, you affirm that the name and address provided are for true person(s) with whom you have a relationship and who are authorized to use your Credit Card. If Chase determines the name and address provided are false, Chase reserves the right to close the account.
Zero Liability Protection
Zero Liability Protection does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the Cardmember Services number on your card or billing statement.
Purchase/Price Protection/Auto Rental Collision Damage Waiver
These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.
Accounts subject to credit approval. Restrictions and limitations apply. Chase Freedom credit cards are issued by Chase Bank USA, N.A. Offer subject to change.
NO ANNUAL FEE.†
after you spend $500 on purchases in your first 3 months from account opening
0% Intro APR for 15 months from account opening on purchases.†
After the intro period, a variable APR of 14.24%,
19.24%, or 23.24%.†
0% Intro APR for 15 months from account opening on balance transfers.† After the
intro period, a variable APR of 14.24%, 19.24%, or 23.24%.† Balance transfer fee is 5% of the amount transferred with a minimum of $5.†
EARN 5% CASH BACK from Chase on up to $1,500 in combined purchases in bonus categories each quarter you activate.*
Enjoy new 5% categories every 3 months like wholesale clubs (such as Costco®, Sam's Club®, and BJ's®**), restaurants, and gas stations.*
opens new windowSee 2016 Calendar
EARN 1% UNLIMITED CASH BACK on all other
purchases* - it's automatic. Cash Back rewards do not
expire as long as your account is open!*
EARN A $150 BONUS after you
spend $500 on purchases in your first
3 months from account opening.*
EARN A $25 BONUS when you add
your first authorized user and make your first
purchase within this same 3 month period.*
This product is available to you if you do not have this card and have not received a new
cardmember bonus for this card in the past 24 months.
You're covered with Chase Freedom. A wide range of security, purchase,
and travel protections means you can use your card with confidence.
Zero Liability Protection means you won't be held responsible for
unauthorized charges made with your card or account information.*
Chip-Enabled Security provides an extra layer of security when
used in a chip card reader.
Purchase Protection covers your new purchases for 120 days
against damage or theft up to $500 per claim and $50,000 per account.*
Price Protection If a card purchase you made in the U.S. is advertised for less in print
or online within 90 days, you can be reimbursed the difference up to $500 per item, $2,500 per year.*
Auto Rental Collision Damage Waiver Decline the rental company's collision insurance
and charge the entire rental cost to your card. Coverage is provided for theft and collision
damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your
**The listed merchant(s) are in no way affiliated with Chase, nor are the listed merchant(s) considered sponsors or co-sponsors of this program. All trademarks are the property of their respective owner(s).Check with your local wholesale clubs to see if your Chase Freedom card is accepted.
Looking for the Chase Freedom UnlimitedSM card with
unlimited 1.5% cash back? Click here