About Chase Freedom

Apply for the Chase Freedom Card Here


Card Highlights


Chase Freedom is a Credit Card

With a credit card, you can carry a balance and accrue interest if necessary.  Note this is not advised by me. The points game does not work well, if you are carrying a balance and accruing interest.  See #4 in Let’s Get Started To Earning Free Travel.

Earn Cash Back Or Ultimate Rewards Points

Your Cash Back Rewards are tracked as points in the Chase Ultimate Rewards program. Each penny in Cash Back Rewards earned is equal to 1 point. As indicated below, your points can be redeemed for cash back or any of the other redemption opportunities provided through Chase Ultimate Rewards if you also have the Chase Ink Business Preferred, Chase Ink PlusChase Sapphire Preferred or Chase Sapphire Reserve.  A minimum of 2,000 points is needed to redeem for cash back.  Learn about the Chase Ultimate Rewards Program here.

Sign-up Bonus

Usual bonus-Earn $150 cash back or 15,000 Ultimate Rewards Points after you make $500 in purchases in your first 3 months from account opening.  APPLY FOR THE CARD HERE.

A Little More Of A Sign-Up Bonus

Earn $25 cash back or 2,500 Ultimate Rewards Points when you add your first authorized user and make your first purchase within the same 3 month period as above.

Annual Fee


Earn Points on Spending 

1.  Earn 5 points per dollar on up to $1,500 spent in bonus categories each quarter. (A maximum of 7,500 bonus Ultimate Rewards points).  There are new categories every three months like gas stations, restaurants and Amazon.com. It’s free and easy to activate your bonus each quarter!

2.  Earn 1 Ultimate Rewards point per dollar on everything else you buy.  Unlike above, there are no limits on how much you can earn.

Earn Extra Points

1.  Shop Through Chase Ultimate Rewards-Earn extra points when you shop online at select merchants through Chase Ultimate Rewards.

Getting Cash Back For Your Points

If you prefer to use your points for cash, click “Use Points” in the top navigation, and select “Get Cash Back” from the drop down.  You can use your points for cash through an account statement credit or electronic deposit into an eligible U.S. checking or savings account.  It may take up to 3 business days for your cash to post to your account.

Using Your Chase Ultimate Rewards Points For Travel

You can read about using your Chase Ultimate Rewards points for travel here.

The Points Mom And The Chase Freedom

Read here about how and when I use my Chase Freedom.

More About The Card

Apply for the Chase Freedom Card Here

Learn More About Chase Ultimate Rewards Here