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Among cards with no anniversary fee, Chase Freedom is a longtime admired cash-back acclaim card. Freedom offers up to 5% banknote aback on alternating anniversary categories and 1% everywhere else. That 5% banknote aback is ambrosial compelling, and aback acclimated in bike with a exceptional Chase Sapphire Reserve or Chase Sapphire Preferred Card, it can be a supercharger that helps you acquire 5 credibility per dollar for travel.
This agenda should not be abashed with Chase Freedom Unlimited, a collapsed amount agenda that offers 1.5% banknote aback on all purchases. Depending on your spending habits, either one may be a acceptable fit for your wallet. In the cash-back category, the 5% you get from Chase Freedom is one of the best offers accessible today. I accept alone captivated this agenda aback December 2007.
In this review, we will booty a attending at how the rewards, benefits, and costs appear calm — and whether or not it makes faculty for you.
The amount anniversary of the Freedom acclaim agenda is banknote back. This agenda gives users 5% banknote aback on anniversary categories that circle anniversary agenda division up to $1,500 in accumulated purchases (max $75 per division in rewards) and an absolute 1% everywhere else.
To get the 5% anniversary cash-back rate, you accept to bang a articulation in an email from Chase four times per year or log in to your online cyberbanking anniversary to activate. While this added footfall is a bit of a hassle, it is a acceptable admonition on area you should use the agenda for best rewards in the aing quarter.
The 2018 rewards agenda includes categories like gas stations, internet/cable/phone anniversary providers, grocery stores, broad clubs, and administration stores. Over time, you will acceptable acquisition that some abode band up able-bodied with your spending habits and others will be a bit beneath exciting. Overall, however, it’s boxy to acquisition a agenda that offers 5% banknote aback anywhere. That makes Freedom decidedly valuable.
The 1% everywhere is beneath exciting. If you are not absorbed in the anniversary bonus, the Freedom Absolute card’s collapsed 1.5% banknote aback may be added appealing.
Chase Freedom banknote aback never expires. New anniversary holders can authorize for an added $150 banknote aback anniversary afterwards spending at atomic $500 on purchases in the aboriginal three months afterwards aperture a new account.
Read more: Chase Freedom’s anniversary categories for Q4 2018 accommodate 5x credibility at Costco and Nordstrom
If you are big on biking rewards, you ability not appetite to exclude the Freedom agenda from your spending habits. If you accept both the Chase Freedom agenda and one of the Sapphire biking rewards cards from Chase, you can use Freedom to acquire Ultimate Rewards points.
Aback you accept both cards, banknote aback is communicable to an anniversary that earns Ultimate Rewards at a amount of 1 cent per point. $5 in banknote aback becomes 500 Ultimate Rewards points. Why is this valuable? Chase Ultimate Rewards credibility are generally anniversary added than 1 cent anniversary adjoin travel.
We won’t get into those capacity actuality in this review, but it is an important added anniversary you should be acquainted of if you are absorbed in biking rewards from acclaim cards.
Read more: 4 affidavit anyone who cares about acclaim agenda credibility and afar should be application Chase Ultimate Rewards
As a high-quality agenda from Chase, you get some added allowances on top of cash-back rewards.
New anniversary holders get a 15-month 0% anterior APR aeon (then a capricious APR of 16.74% to 25.49% applies)on purchases and antithesis transfers. If you currently pay absorption on addition acclaim card, a antithesis alteration can advice you abstain absorption accuse and hopefully pay off that debt for acceptable by the time 15 months is up.
This agenda additionally offers added aegis for purchases. Acquirement aegis gives you chargeless allowance for 120 canicule that protects you adjoin accident or annexation on purchases you accomplish on this agenda up to $500 per affirmation and $50,000 over the lift of the account. If you aloof alone a aboriginal buzz and bankrupt the screen, this aegis ability awning the cost.
The agenda additionally gives you an automated continued warranty. The agenda extends the manufacturer’s assurance by one year on acceptable warranties of three years or less.
For a agenda with rewards this good, it is actual bargain to carry. There is no anniversary fee and you can abstain absorption and all added fees by advantageous your agenda off in abounding every ages and alienated assertive activities.
Afterwards the 15-month 0% anterior APR aeon ends, the agenda accuse capricious amount 16.74% to 25.49% APR on purchases and antithesis transfers. The amount depends on your acclaim history and may change at any time with bazaar absorption rates. Banknote advances allegation a college capricious amount 26.74% APR.
Late and alternate payments amount up to $38 per occurrence. Antithesis transfers allegation 5% ($5 minimum) per transfer. Banknote advances amount 5% ($10 minimum) each. Application the agenda alfresco the United States incurs a 3% adopted transaction fee.
For me personally, this agenda is acceptable abundant to accept captivated a abiding atom in my wallet for added than a decade. While it isn’t my alone card, I use it consistently and never absence application it for a acquirement in the 5% anniversary categories.
The $150 anniversary and no anniversary fee may be abundant to get you to assurance up, but if you do you can get abundant amount for years to come. Among alternating class rewards cards with no anniversary fee, this one is absolutely the best on the bazaar today.
If you are attractive for simple banknote aback or appetite to brace it with a Sapphire agenda for biking rewards, you’ll acquisition absolutely what you are attractive for, with a actual low cost, with the Chase Freedom acclaim card.
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