Comments on: Chase Freedom Credit Card Review

By: DR

DR — Thu, 12 Nov 2009 18:36:58 +0000

Beth, thanks for sharing your experience. I guess with companies as big as Chase, some have good experiences and some have bad. I have carried both the Chase Freedom and Chase Slate for some time now, and have been very happy.

By: Beth

Beth — Thu, 12 Nov 2009 16:58:57 +0000

Do not get the Chase Freedom card. I have one and Chase is the worst company ever for working with you. They send you offers then when you go to use it they change it and charge you more. The manager on the phone directly told me that the bank has to look out for themselves. Funny I thought they would want to look out for their customers.

By: DR

DR — Wed, 28 Oct 2009 00:05:47 +0000

Angela, I carry the Chase Freedom and I believe it’s a Visa, but not positive. As for the cash back, this is from the Chase Freedom Program Rules and Regulations: ” Once you accumulate the required number of rebates or points, you will be eligible to redeem them for your selected reward item. Rebates may be redeemed for checks. Points may be redeemed for gift cards/certificates, travel, merchandise and charitable contributions.”

As for Chase versus Citi CashReturns, they are both solid cash back cards. I actually use the Discover More Card for my daily purchases. I think the best card really depends on your spending habits–all three cards are top notch in my opinion.

By: DR

DR — Tue, 27 Oct 2009 23:40:55 +0000

anne, the Chase Freedom card does not offer a 0% balance transfer. The 0% deal is for purchases only. If you want a Chase 0% balance transfer deal, check out Chase Slate. You might also consider the Discover More American Flag edition card, which also offers a 0% deal for up to 12 months. As for the transfer fee, I believe Slate is 3% and Discover is 5%.

By: anne

anne — Tue, 27 Oct 2009 23:33:23 +0000

Thanks for this info. Is there a balance transfer fee? This used to be a fairly reasonable, flat amount. Nowadays however, most credit card companies want at least 3% or 4% of the amount transfered as a fee, without an upper limit. This can make quite a difference irrespective of the APR!

By: Angela

Angela — Tue, 27 Oct 2009 23:21:56 +0000

I have a couple questions on this… but the Chase website seems to only list minimal information. There’s not even a number to call to ask questions before you apply! You can only call them if you are an existing cardholder. Already raises a red flag for me…

1. Is this a Visa, MasterCard, or other? None of the advertising really shows the brand.

2. How would I receive my cashback? Do I have request a check or credit? Will a check be automatically sent each month or when the balance reaches a certain value? Or would I get a credit on my bill each month?

Trying to decide between this and the Citi CashReturns MC, if you have any opinion between the two.

thanks for your help!!

By: DR

DR — Tue, 27 Oct 2009 01:01:37 +0000

jonathan, about a week ago I spoke with Chase about this very question. Unfortunately, they don’t have (or at least wouldn’t tell me) a minimum credit score to qualify. They said they look at payment history, credit history and so on. For Elite pricing, they are looking for no late payments on your credit history, among other things. This is actually consistent with what Capital One and Discover say.

By: DR

DR — Tue, 27 Oct 2009 00:56:33 +0000

Credit Card Chaser, you are right. Discover More American Flag is 12 months, as is the Chase Slate card.

By: jonathan

jonathan — Tue, 27 Oct 2009 00:01:38 +0000

What credit score would be required to get the elite pricing and the 12 month (not 6) 0% intro APR rate?

By: Best Credit Card Deals and Bonus Offers

Best Credit Card Deals and Bonus Offers — Sat, 24 Oct 2009 13:36:37 +0000

[...] offers cash back rewards up to 3%, a 0% APR for up to 12 months, and no annual fee. Check out our Chase Freedom review or get more details from Chase at [...]