Chase - Freedom Card

Chase - Freedom Card Reviews



Overall 4 star rating3.85 of 5 (by 46 users)



Chase - Freedom Card Review Summary

Credit cards come a dime a dozen and there are credit cards with various incentive offers. Reward cards are growing in popularity and one of the highest rated according to reviewers is the Chase Freedom Card, a reward credit card that pays you back. Chase Freedom Card rewards its customers with up to three percent back on purchases and this is the main reason why reviewers of the Chase Freedom Card recommend its use. There is also no limit to the value of the annual rewards you can earn, and this also helps to set the Chase Freedom Card apart from other reward credit cards. It “Gives You Rewards Every Month No Matter Where You Spend Your Money” raves one customer, and other reviews agree that rewards can accumulate quickly with the Chase Freedom Card, making it one of the best Credit Cards you can get.
46% of people rated Chase - Freedom Card as 5 stars
46% of people rated Chase - Freedom Card as 5 stars%
46%
26% of people rated Chase - Freedom Card as 4 stars
26% of people rated Chase - Freedom Card as 4 stars%
26%
10% of people rated Chase - Freedom Card as 3 stars
10% of people rated Chase - Freedom Card as 3 stars%
10%
7% of people rated Chase - Freedom Card as 2 stars
7% of people rated Chase - Freedom Card as 2 stars%
7%
13% of people rated Chase - Freedom Card as 1 star
13% of people rated Chase - Freedom Card as 1 star%
13%
77% 77% of people recommend Chase - Freedom Card 23% of people don't recommend Chase - Freedom Card 23%
 

Chase - Freedom Card Comparison

5 star rating Most Helpful
Favorable Review
MAY
15
2009

I've been using the Chase Freedom card for a few years now and it has turned out to be the best one I've found so far! The deal is that you get cash back for purchases, but it's not just any cash back. In general you get 1% cash back, but there are certain areas where you'll get 2% cash back, and even...

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2009 VIP
always taking my freebies

vivasuzi
Livonia, MI
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1 star rating Most Helpful
Critical Review
NOV
8
2009

The card offer good rewards, but when I logon my account last night and saw my chase freedom was changed into Chase SAPPHIRE that I never knew what it's. I called the Customer service, they said my card is SAPPHIRE, they don't even know what was happening, and superviser made a research and said FREEDOM...

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reviewer
Every day computer user, a low risk investor

willowtree
Boyds, MD
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Chase - Freedom Card Ratings and Reviews

items/page: 15 | 30 | 50 displaying 1 to 14 of 46 sort by: most helpful | date | rating


5
helpful
votes

MAR
2
2008
YOU PAY FOR THE MONEY BACK WITH HIGHER INTEREST RATES--IF YOU TAKE ADVANTAGE OF THE tASER O% interest-DO NOT BUY ANYTHING ELSE BECAUSE THE INTERST ON THAT WILL ACCUMLATE TILL THE 0% IS PAID OFF. WORST OF ALL THEY CHARGE YOU $14,95 TO PAY YOUR BILL OVER THE PHONE AND THE INTERST ON THAT STAYS ON THIS TILL YOUR 0% is paid off
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3 star rating
reviewer
bristol1321
Phoenix, AZ



2
helpful
votes
on a strict budget

NOV
7
2008

We switch to this credit card after having trouble with the customer service on our Citicard.  Unfortunately Chase hasn't been any better.  They sent me the wrong type of card the first time around and it took 3 phone calls to get the right one.  Now they messed up my husbands bill payment because they computer system was behind and they are fighting him on removing the late charges and finance charges.  Unfortunately we can't switch again because of the effect on our credit.


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2 star rating
reviewer
boiler06
Winston Salem, NC



2
helpful
votes

NOV
6
2008
I love how this card rewards you for where you spend your money the most in any given month. Our spending changes from month to month, so this card is fantastic for us. Plus, if you save your rewards up until you reach $200, you can redeem for $250!
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5 star rating
reviewer
xandj
Las Cruces, NM



1
helpful
vote
paying cash, Every day computer user, an aggressive saver

MAY
15
2009

I used to use another card exclusively until they lowered their cash back payments. I then switched to the CHASE FREEDOM CARD (thru chase) when I found out they pay a straight cash back of 1 percent on all purchases and 2 percent additional on 15 different catagories (3 without a checking account and 5 with a checking account. The best part is they pay on the most used catagories each month. (they can change from month to month). You can withdraw when you reach $10 (with ckg a/c) or $50 (w/o ckg a/c) or you can save up till you reach $200 and get a check for $250 (best deal). So now I charge...

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4 star rating
reviewer
biggrog
088174057



1
helpful
vote
Every day computer user, an moderate investor

JUN
24
2008
I am very happy with this card. You earn 3% cash back on your top 3 categories of spending each month and 1% cash back on everything else. I still think that the American Express Blue Cash is better, but I use this at places where Am Ex is not accepted. Also, it's better than Am Ex for your top 3 categories so I use it for transit, telephone, and quick service restaurants.

The only downside is that your bill is not labeled the same way as your rewards. For example, every restaurant is labeled as "restaurant." It is impossible to figure out which ones you are actually getting 3% cash back at. I...
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4 star rating
reviewer
Dancerm
Chicago, IL



1
helpful
vote
Every day computer user, an moderate investor, an aggressive saver

APR
20
2009

The Chase Freedom card gives me a competitve cash back on the types of puchases that I make the most. 3% on the places I shop at the most; Gas, Grocery, and Wine shops are my top 3. On all other puchases I get 1% gas back with no limit. I have another cash back card and the 3% is capped at my first $1,200. The card starts out with a 0% APR for 12 months, while allowing me save the money I would have spent in interest in a high yield checking account. I can't speak to what the rate will adjust to but I have excellent credit so I am hoping for a low rate.

At Chase.com I can manage my Chase Freedom...

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4 star rating
reviewer
DMiner456
Farmington, CT



1
helpful
vote

MAY
7
2009

I think the Freedom Card is the best credit card out there because no interest on purchases up to 6 months, no annual fee, points will not expire, eligible to redeem for cash back, traveling discount, and gift cards; the best thing of this card is that some of purchase may be qualifying for three percents cash back.  We can make payment at the banking center of Chase, pay online, telephone payments, or by mail. The card can be use internationally and domestically. The cards has blink in the corner this means that any purchase less than twenty dollars there is no need to have signature on it. The...

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5 star rating
reviewer
cutieq9928
Rosemead, CA



1
helpful
vote
a low risk investor

NOV
27
2008

The Chase Freedom credit card is one of my two favorite credit cards.  I wait until I have $200 in rewards, then "buy" a check for $250.  We have done this twice so far.  We were using this card mainly for gas, groceries and fast food because they were getting the 3% rewards; but now that those rewards are flexible, we'll change how we use our two cards a little.

The best way to use a credit card is to pay the whole balance each month and earn rewards.  I especially like cash and higher value gift cards.  These rewards are truly free to us because we don't pay an annual fee or any finance...

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5 star rating
reviewer
gailh88
Libertyville, IL



1
helpful
vote

NOV
15
2008
I did tons of research before getting a new credit card and this is the one I chose based on its great rewards program. It gives you 3% cash back on 15 (predetermined) categories and 1% cash back on everything else. I do wish that airline travel and event tickets where a part of the 15 categories, but I had to compromise. You still get 1% cash back from those. It also has a little higher interest rate than what I would have liked, but again, compromise. It was listed as one of the best rewards cards. And after you reach $200 in cash back rewards, they give you an extra $50! I just got this card... review »
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4 star rating
2008 Contributor
Tiffylynn719
Orlando, FL



1
helpful
vote
practical

DEC
30
2007
The Chase Freddom is the best credit card out there. You get 3% back for the category you spend the most in, 2% for online purchases and 1% for everything else. It's not some cheap up to 1% cash back card like some of them out there. You do not have to use your rewards to take a trip or redeem a gift card at a store you don't normally shop at. You get cold, hard cash. When you reach $200 in rewards, you get a check for $250! If lovin Chase Freedom is wrong, then I don't wanna be right.
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5 star rating
reviewer
esulsa
Spring Valley, NY



1
helpful
vote
on a strict budget

NOV
25
2008

The Chase Freedom Card is NOT all that great.  I am not happy with it.  The fees that this bank charges are ridiculous!  Also, the card could offer lower interest rates and be more competitve with other credit cards on the market.


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1 star rating
reviewer
carytmnsrh
Casa Grande, AZ



1
helpful
vote

OCT
20
2008
Right now our economy is in trouble because the government failed to place regulatory legislation in place for mortgage companies.  My prediction is that the next failure will be that of credit card companies for the very same reason.  I exclude, Discover card and focus on Bank of America and Chase for my discussion.  These companies reel you in with promises of low interest rates (much like the sub prime/adjustable mortgages) and then sock it to you with a hugh increase in your interest rates with little or no explanation.  I wonder how many people who needed money to pay expenses once their... review »
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1 star rating
reviewer
justjeepin
Thornton, CO



1
helpful
vote

Rated on November 10, 2008

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3 star rating
2008 Contributor
johndawn
El Cajon, CA



D
married, practical, always looking for ways to save, appreciative of good service, don't carry a balance, pay my cc bill off each month, not rich, thrifty

NOV
24
2007
It used to be that there were 5% rewards cards out there, but one by one they limited the amount you could earn annually (usually $300).  Then, the 5% itself began to disappear.  It's rare now to get rewards over 1%, and even rarer to get unlimited rewards. 

There are a couple cards out there which offer 1% for the first $1500, then an inflated amount thereafter, but by their definition of what is eligible for the high reward level, SuperWalmart, SuperTarget, Kroger--indeed any national grocier--is ineligible.  So by the time you spend enough to get up to the higher level, and take into consideration...
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5 star rating
reviewer
hindsight2020
390669167



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