Chase Freedom Card

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Chase Freedom

FM Mini Review: Great for 5X categories. Excellent companion card to Sapphire Reserve or Sapphire Preferred!

Card Type: Visa Signature or Platinum


Earning rate: 5X in rotating categories on up to $1,500 spend per quarter. Q4 2019: 5X PayPal, Chase Pay, and Department Stores

See also: Chase Ultimate Rewards Complete Guide


The no-fee Freedom card is a great choice for those who also carry a premium Ultimate Rewards card such as the Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.

The Freedom card offers 1 point per dollar for most spend, and 5 points per dollar, for up to $1,500 spend, in categories that change each quarter. By itself, its a decent cash back card if you don't mind chasing after ever changing category bonuses. But, when paired with a premium card, the Freedom makes it possible to earn 5 transferable Ultimate Rewards points per dollar in rotating categories. That means you can earn 5 airline miles or hotel points per dollar, for selected categories of spend. That’s pretty darn good.

The card does charge foreign transaction fees, so leave it at home when traveling internationally. But within the US, the Freedom Card is a great choice for earning 5X rewards in selected categories.

With the Chase Freedom Card, Ultimate Rewards points can be redeemed as follows:

  • Cash or merchandise (1 cent per point value)
  • Move points to a premium card (Sapphire Preferred, or Ink Business Preferred, for example) and purchase travel through the Chase Ultimate Rewards travel site (1.25 cents per point value)
  • Move points to the Chase Sapphire Reserve Card and purchase travel through the Chase Ultimate Rewards travel site (1.5 cents per point value)
  • Move points to a premium card and then transfer to a variety of airline and hotel programs (per point value varies from very low to extremely high when points are used this way)


Chase Ultimate Rewards points are super valuable and super flexible. At the most basic level, points can be redeemed for cash or merchandise, but you'll only get one cent per point value that way. A better option is to use points for travel. When points are used to book travel through the Ultimate Rewards portal, points are worth 1.25 cents each with premium cards (Sapphire Preferred or Ink Business Preferred, for example) or 1.5 cents each with the ultra-premium Sapphire Reserve card. Another great option is to transfer points from a premium or ultra-premium card to an airline or hotel program when high value awards are available (see this post for details). If your points are tied to a no-fee "cash back" Ultimate Rewards card, then first move those points to a premium or ultra-premium card before redeeming them in order to get better value.

Application Tips

Chase Application Tips

  • Shut-Down Caution: Signing up for new Chase cards can lead to Chase reviewing your accounts. This may lead to Chase shutting down all of your accounts if you appear to be a credit risk. See this post for details and recommendations: Why Chase shutdowns have increased and how to avoid them.
  • 5/24 Rule: With most Chase cards, you won't get approved if your credit report shows 5 or more cards opened in the past 24 months. Details here.
  • 24/48 Month Rule: With most Chase cards, you can get the same card and bonus again 24 months after having received the bonus as long as you no longer have the card open. With Sapphire cards, you must wait 48 months. No wait is required for Chase Ink cards.
  • 30 Day Rule: It is tough to get approved for more than 2 Chase cards within 30 days
  • Get Same Card Again: You can get the same exact card and again if you first cancel the older card and follow the 24/48 month rule. Ink cards are OK to get again without cancelling previous card if you apply with a new business.
  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.
  • Hard inquiries combine into 1 when approved same day (not always true when mixing business and personal)

Call (888) 338-2586 to check your application status
If denied, call reconsideration here:1-888-270-2127 for both personal and business cards

Related Cards (Ultimate Rewards)

Chase Ink Business Preferred Card
80K points
80K after $5K spend in 3 months

$95 Annual Fee

This card is known to be subject to Chase's 5/24 rule.

Recent better offer: This is the best public offer we've seen. A 100K offer is sometimes available in-branch through a Business Relationship Manager.

Chase Sapphire Reserve Card
50K points
50K after $4K spend in 3 months

$450 Annual Fee

This card is known to be subject to Chase's 5/24 rule.

Recent better offer: 100K after $4K spend in 3 months, last seen 3/11/2017 in-branch

Last updated on May 7th, 2018

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[…] card.  Keep in mind that Department Stores qualify for 5X bonus points with both Discover It and Chase Freedom cards this […]


[…] is offering Freedom and Freedom Unlimited cardholders 10% cash back on up to $2,500 in hotel and car rental bookings […]


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Ed. C
Ed. C

I am REALLY trying to embrace the Chase Ultimate Rewards game but am having a difficult time with it. Thanks to some of your advice, I have secured the CSR, CFU, and Ink Business Cash cards and have earned close to 200,000 points just since March. I would like to get the Chase Freedom for the rotating categories and the opportunity to earn 5X points on groceries and gas occasionally as these are my largest monthly purchases on a consistent basis. However, I live in an area where Walmart is the only game in town. Within 5 miles of my home there are 3 Supercenters and 9 Neighborhood Markets. Chase this quarter says Walmart and Target don’t qualify for the 5X on groceries. Does that include Neighborhood Markets in spite of the fact that they code as grocery stores according to the VISA Supplier Locator? I would like to also get the new Citi American Airlines MileUp card for the 2X miles on groceries but have the same question. I can’t seem to find a deifinitive answer in all my research online. Hope you can help!


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