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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

This card is no longer available for new applicants.

Bonus Value

Approximately $0

Annual Fee

$0

Card Rewards

5% cashback at rotating categories

2% cash back on Lyft rides

1% cashback on everything else

Add to compare

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Avatar photo Author - Sam Updated: April 22, 2025 | Credit Card Review
Card Overview

The Chase Freedom card has a wide range of categories where to get 5% cashback at rotating categories, as well as 1% cashback on everything else. The 0% APR for 15 months will give you more room for purchases and balance transfers while aiding your cash flow.

Card-Smart Tips & Advice
  • Chase 5/24 rule: Chase will decline an applicant that has opened 5 or more cards (other issuers included) in the past 24 months. Hence, 5/24 rule
  • Max cards: You can get approved for up to 2 Chase credit cards in 30 days. Business cards and personal cards are counted separately
  • Apply for two cards: If you apply for one Chase card and get approved, it is recommended to apply for a second card since Chase is very good about approving for two cards, even within the same day. If the first application is still pending, wait for it to be approved before you apply for a second card
  • Double dipping: If you currently have this card open, Chase may not approve you for another one.
  • Credit bureau: Chase Bank will usually pull your Experian credit report
  • Combining same-day credit inquiries: Some data points suggest that credit inquiries for all Personal Chase cards for same-day applications will be combined; also, credit inquiries for all Business Chase cards for same-day applications will be combined. Credit inquiries for Personal and Business card applications will not be combined. 
  • Check application status: You can check your application status at Chase.com  / Customer Center / Check my app status or call 1 888 338 2586
  • Reconsideration: If you get declined then you can call 1 888 609 7805 to be reconsidered

Approval Monitor (submitted by HelpMeBuildCredit users)

67% Approved
752 Avg. Score of those approved
33% Denied
Approved 67% (12)
Denied 33% (6)

Credit limit range $800-$16,200

Avg. Credit limit$6,367

Approved 67% (12)
Denied 33% (6)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Balance Transfer Terms
  • Balance transfer fee: 3% or $5, whichever is greater
  • You cannot transfer balances from other credit cards issued by Chase Bank
  • Balance transfers are capped at $15,000 (each month) even if your credit limit is higher
  • No penalty APR
Welcome Offer Eligibility
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.
Card Details And Benefits
Auto Rental Collision Insurance

Secondary coverage on rentals up to 31 days

Credits

Get a complimentary DashPass membership for 6 months plus a $10 credit each quarter on DoorDash if enrolled on or after 02/01/25 (cardholders who enrolled prior to 2/1/25 will continue to receive the 3 month free, 9 month half-off benefit they signed up for, and will be auto-enrolled into full-price membership following that).

Extended Warranty Protection

One additional year (limit $10,000 each claim and $50,000 max per account)

Foreign Transaction Fee

3%

Purchase Protection

Lost and theft, up to 120 days. $500 per claim ($50,000 per account)

Roadside Assistance

Chase will dispatch you assistance for free, but you will need to pay the service fee.

Trip Cancellation Insurance

Up to $1,500 per person per trip for a max of $6,000 per trip (Visa Signature cardholders only)

Card not affiliated Add to compare

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Citi Custom Cash

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U.S. Bank Business Triple Cash

Freedom Flex

Travel Rewards

Altitude Go

Spark Cash Select Business

SparkMiles Select Business

Business Green Rewards

Chase Freedom Unlimited

*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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