Chase Freedom $100 Bonus + 5% Categories for 2015

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Future 5% categories for all 2015 announced. The Chase Freedom® – $100 Bonus is a solid all-around rewards card with 5% cash back in rotating categories, all with no annual fee. Here are the highlights:

  • For a limited time, earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn an additional $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%

5% cash back rewards program details. As a rewards credit card it is better than plain vanilla 1% cashback cards with its 5% cashback on rotating categories, good for up to $1,500 in purchases each quarter. Here are the categories through the end of 2015.

From October to December 2014:

  • Select Department Stores

From January to March 2015 (activate 12/15):

  • Grocery Stores
  • Starbucks
  • Movie Theaters

Here is the preview for the rest of 2015. Q2 is Restaurants, Q3 is Gas Stations, and Q4 is That’s pretty solid, and they usually will add few additional retailers or minor categories.


Activate quarterly at or call the number on the back of the card. All other purchases earn 1% back, with no tiers or expiration of rewards.  Keep in mind that you actually earn Ultimate Rewards points. If you have a Chase Sapphire Preferred and Ink Bold/Plus small business cards which also earn those, your Ultimate Rewards points can be combined and converted to miles like United Airlines, British Airways, and Hyatt hotel points. Depending on what you redeem for (i.e. plane ticket, hotel stay), Ultimate Rewards can be worth well more than 1 cent per point this way, which means you can actually get more than 5% value back.

I call this a “keeper” card as there is no annual fee, the rewards never expire, and the 5% rewards have been pretty solid historically. So there is reason to cancel, you can just use it when the rewards work for you.

Chase Freedom® – $100 Bonus application

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  1. Love this card. Has to be one of the best no annual fee cash back cards. I like the fact you can redeem the points for an actual check. Since I do not bank w chase, getting that cash is nice. No annual fee is even better.

    Capital one quick silver might also be a nice option Not sure what specials they are running.

  2. Johnathon, do you happen to know how long this $200 sign up bonus will last? Do you know if it has an expiration date?

  3. @Diana – I’m afraid I don’t know how long it will last. My best guess is a week to a few weeks max based on past experience. It is definitely a limited time offer and the bonus will go back down eventually, most likely back to $100.

  4. Okay, I looked all over, but I just could not find where on the Ultimate Rewards page you can convert points to miles. Can anyone help me out with a clue as to where to look?


    • David Alexander says:

      You can not convert from UR points to “miles” unless you have one of Chase’s other cards like the Ink Bold or Sapphire Preferred. Unlike Freedom, those cards have annual fees which may or may not be worth it depending on your spending habits. The first year is waved in the promo, but the second year is $95…

      • David, thanks. I was confused with what Jonathan said, but I think remember now that he has one of the other Chase cards. I just have the Freedom card, so that option didn’t show up.

        Thanks again.

      • Thanks David, Sorry, ttfitz, I was confused as well. Apparently Chase Freedom does earn Ultimate Rewards points and Chase Sapphire Preferred/Ink Bold also earn Ultimate Rewards points, but you can only transfer them to miles if you have one of those latter “premium” cards. I thought that you only got the 25% bonus for travel redemptions with the the premium cards (Citi Thankyou Premier worked like this), and the miles transfers were open to everyone.

        UR points transfer between cards and between people without fee, so as long as my wife and I have one of those premium cards we can convert to miles/travel. We’ve gone years with no annual fee. Chase Sapphire Preferred for me, then Chase Sapphire Preferred for her, then Ink bold for me, and Ink Bold for her.

  5. Compared to the SWA or Barclay Card this thing is pretty weak sauce.

    • Upfront bonuswise, yes. But this card you won’t have to consider canceling after a year if you don’t want an annual fee. I don’t consider canceling a big deal myself but it is an added hassle for some people.

  6. Maynard D says:

    Hi… I had this card before, and I closed the account 2-3 years ago. Is Chase pretty strict about the sign up bonuses on their cards?

  7. Maynard – no. You can keep doing it over and over with Chase. Keep one Chase account open so you can roll your balance limit to that card.

  8. Thanks for the heads up, Jonathan! I appreciate you aggregating the best deals and posting about them. Saves me a lot of time from wading around in forums or keeping up with a bunch of different blogs. Please keep it up.

  9. I’ve opened 5-10 cards in the last few months for bonuses… Got denied for the first time ever lol! Chase wouldn’t even work with me on it as I have too many new accounts with them.

  10. Michelle Walker says:

    I was just approved for this card. Can one tell me how I get the bonus sent as a check? I also added an authorized user.. so in fact i will receive $225? What a return on your money!

    Thanks for any assistance.

    • You have to satisfy the spending requirement, and then you’ll get the bonus as Chase Ultimate Rewards points. Choose to redeem the points towards a physical check (you can also get a statement credit) and they’ll mail it to you. Must redeem at least 2,000 points, but if you get this bonus you’ll be well above that.

  11. This is a great deal! I have this card myself and love it.

  12. The $200 appears to be back! (might want to update this Jonathan)

    “FOR LIMITED TIME ONLY: earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening”

  13. Thanks for the heads up. I’ve had this card for a few years. Does anyone know of you can sign up for another card while one is still active and get the bonus again?

  14. I got an ink bold approved in October and already have a Chase Sapphire (since Oct 2013), Mileage award (since 2010), and Chase Southwest business and personal card (since Feb 2014). I got an Amex Delta and Barclary’s US Airways card in September 2014. My credit score is in >750.

    Do you think I have a strong chance of getting rejected and therefore it’s better to wait till December 1st? I’m just afraid if I wait that long, this limited time offer will get closed. In your experience, how long have their limited time offers for Chase freedom been open? I remember they had one in Dec 2013 and Jun 2014.

    • If you got Amex Delta 30k, US Airways 40k, and Ink Bold 50k/70k, I wouldn’t risk a declined inquiry for a $200 bonus.

      I had no Chase cards in 2011 and opened Marriott 50k for a 14.5k limit, then tried to get British Airways 100k 2 months later and was shut down. Left Chase alone for a year after that.

  15. I currently have a Chase Sapphire card. I tried calling to convert it to the Chase Freedom card in order to take advantage of the $200 offer, but was told that it is eligible for new applications only, not conversions. Anyone have luck converting another Chase card to the Freedom card to take advantage of the offer?

  16. How does this card compare to the AMEX Blue Everyday? Im new to all of this

  17. @Jonathan – Do you know if the 5% cash back will work on the amazon gift card as well? We use amazon often and wondering if we can purchase a gift card in advance (before December 2014)

  18. In order to make transactions qualifying as purchases, one can open up savings accounts funded via credit card for upto $500 as initial opening deposit, multiple times at banks like wellsfargo, usbank. Is there a list of banks that provide this capability ?

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