Chase Freedom – Credit Card

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The Chase Freedom Card has been in my wallet since 2010. I use it throughout the year for its rotating categories, which give me 5% cash back on those purchases. What I like the most though is the OCT-NOV category which covers Holiday Shopping. This means any purchase through Amazon is now 5% cash back. I rack up the full month’s $75 cashback very shortly that period. It’s a great card to round out your wallet and give you the most bang for your buck in the given categories. Be sure to activate the period when it becomes available to reap the full benefits of the card. They will send out an email letting you know.

Other cards I use: Citi Double, BOA Mastercard, Capital One No Hassle, Citi Costco.

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5%

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.*

1%

  • Unlimited 1% cash back on all other purchases — it’s automatic.*
  • Cash Back rewards do not expire as long as your account is open!*

$150

BONUS

  • 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

Chase Freedom Card
$150 Bonus Chase ReferralThis 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.

$25 Bonus 
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.

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.

Fraud Alerts
Delivery of alerts may be delayed for various reasons, including service outages affecting your phone, wireless or Internet provider; technology failures; and system capacity limitations.

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 Chase Freedom 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 individu
al 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, such as Shop through Chase® or special promotions. 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. When you use points to redeem for gift cards and travel, each point is worth $.01 (one cent), which means that 100 points equals $1 in redemption value. Points expiration/losing points: Your points don’t expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. 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.
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.

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