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After this intro period, the interest rate will return to 14.99% to 23.74% (variable). You get 0% APR for 15 months on new purchases. Intro APR offer: If you’re planning a big purchase, you can take advantage of the card’s intro APR offer and avoid expensive interest charges.Generous welcome offer: The Chase Freedom gives you the chance to earn $200 cash back bonus after spending $500 in the first 3 months after account opening.In addition, you can also earn 5% back on Lyft rides. You can earn 5% cash back in rotating bonus categories (up to $1,500 in combined purchases per quarter) and 1% cash back on all other purchases.

Big rewards in rotating categories: By activating the quarterly bonus categories on your card, you may be able to earn more cash back throughout the year than if you used a flat-rate cashback card, depending on your spending habits.$200 cash back bonus after spending $500 in the first 3 monthsĥ% cash back in rotating bonus categories (up to $1,500 in combined purchases per quarter) and 1% cash back on all other purchasesĠ% for 15 months on purchases, then 14.99% to 23.74% (variable) You’ll also be subject to the unofficial 5/24 rule, meaning if you’ve applied for more than five credit cards within 24 months, you won’t be eligible for another Chase card. To qualify, you’ll need to have a good or excellent credit score. You get 1.5% back on all other purchases. Doing so will allow you to fully take advantage of the Chase Freedom's benefits and earn the most bonus cash.īut if you’re looking for a card that doesn’t have rotating bonus categories, it may be a better idea to consider the Chase Freedom Unlimited, which offers fixed bonus categories. You'll also earn 5% total cash back on qualifying Lyft rides, so big spenders on rideshare apps should consider this card as well. With rotating bonus categories that change each quarter, you can earn 5% cash back on purchases up to a combined $1,500 per quarter, and there’s a $0 annual fee.īecause each bonus spending category has to be manually activated before you begin earning 5% rewards, it’s important to consider how active you’ll likely be in opting into categories four times per year. Bargain shoppers looking to maximize rewards on purchases should consider the Chase Freedom Card.