Chase
Chase Freedom
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Card review
Chase Freedom
Chase
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
200 pts welcome offer
Est. net value
$352/yr
Credit score
Good
Top earn rate
5% dining
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Chase Freedom from Chase carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $351.60 in rewards plus $0.00 in credits and perks — $351.60 net per year before welcome bonuses.
How the points work
5% on rotating quarterly categories (up to $1,500/qtr), 1% else
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| DiningDining | 5% |
| GroceriesGroceries | 5% |
| Everything elseShopping | 5% |
| GasGas & Transit | 5% |
| EntertainmentStreaming | 5% |
| TravelFlights | 1% |
| TravelHotels | 1% |
| TravelTravel | 1% |
| Everything elseOther | 1% |
Welcome offer
200 points
- Spend $500 in 90 days
- Est. value: $2 (WalletFlo catalog)
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- Cell Phone Protection
Cell phone protection up to $800 per claim when you pay your bill with Chase Freedom.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
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Is the Annual Fee Worth it?
Confirm net value on a no-annual-fee card.
Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- We flag 670+ as a typical starting point — issuer approval depends on your full profile.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.