Chase Freedom: $100 Sign-Up Bonus + 2015 5% Cash Back Categories

Chase Freedom Image

3rd Quarter 5% cash-back categories now open for activation.The Chase Freedom® – $100 Bonus is a popular rewards card, due primarily to the fact that there is no annual fee and the ability to get 5% Cash Back on up to $1,500 in combined purchases in bonus categories each quarter.

Here are all the highlights:

  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn another $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%
  • Unlimited 1% Cash Back on every purchase
  • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
  • You’ll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It’s free and easy to activate your bonus each quarter!
  • No annual fee and rewards never expire as long as your account is open

2015 5% Cash Back Categories

freedom2015q3

From April through June 2015:

  • Restaurants
  • H&M
  • Bed Bath and Beyond
  • Overstock.com

From July through September 2015 (activate starting 6/15/15):

  • Gas Stations
  • Kohl’s

Activate each quarter at ChaseBonus.com or call the number on the back of the card.  The categories usually include at least one big-spending area, and seem to go with the seasons (home improvement for spring, gas and travel for the summer). This is another “keeper” card for me, as I can keep it around and use it when the bonus categories fit my spending needs.

 

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“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.  “The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.”

 

 

Comments

  1. My wife is currently an authorized user on my Freedom card. I’d like for her to take advantage of this $200 signup promotion. Can she open up her own credit card and qualify for the bonus even though she is currently an authorized user on my account? I wonder if I just need to remove here as an authorized user first. Any experience out there?

  2. @Steve – In my experience, you don’t have to remove her as an authorized user. Credit cards are considered only issued to individuals. If she opens her own card, she is a new person solely responsible for any fees and debt incurred on that card and will be eligible for the bonus.

  3. I was a Freedom card holder previously but then I consolidated the credit limit from that to my Slate and closed Freedom. This was about a year ago. Do you think I would be eligible for the promotion if I opened another Freedom card?

  4. @Thomas – Sorry I didn’t reply because I don’t know. If it was me, I might try if it was definitely over a year ago since you closed it. I wouldn’t bother if it was less than a year.

  5. Your RSS feed is broken :(

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  6. @Adam – Thanks for alerting me. I’m still not sure why it happened, but the RSS feed should be fixed now.

  7. No 5% back on grocery stores for ANY quarter of 2014? I may need to find an extra card for that; even a limited-time promotional offer would do, since I could just stock up on gift cards.

  8. @Steve/Jonathan, re: “Credit cards are considered only issued to individuals. If she opens her own card, she is a new person solely responsible for any fees and debt incurred on that card.” This is a basic question but how does marriage factor into credit card debt (or debt generally)? I always thought one always assumes responsibility for any debts incurred by one’s spouse prior to or during the marriage regardless of the source?

  9. I am afraid … Your RSS feed is broken

  10. @Antonio – Can you refresh and check again? It was down but I fixed it earlier today and I just checked it again.

  11. @Cody – First I want to say that I am wrong about there not being joint credit cards, apparently there are some although I’ve never applied for one. But if you apply for an individual card, they will only check your individual credit report and make a decision based on that, not whether your spouse has the card or not.

    http://money.cnn.com/2013/09/24/pf/joint-credit-cards/

    Here’s what Nolo says about marriage and cc debt:

    Most states (called common law states) use common law rules when determining who is liable for a particular debt in a marriage. In common law states, you are usually only liable for credit card debt if the obligation is in your name. This means that if the credit card is only in your spouse’s name, you are typically not liable for that debt. However, keep in mind that if you have jointly owned assets, then the credit card company can still go after your spouse’s interest in that property.

  12. I had applied for chase freedom card in the month of December under the $200 cash back offer. But unfortunately it got rejected due to poor credit history (Am new to US, been here from only 3 months).
    Now I have a fair credit rating. Can I ask Chase to reconsider my old application and see if it can be approved and also will that $200 cash back bonus still hold good?

  13. FYI – be extremely careful applying for Chase co-branded cards if you regularly get credit card bonuses.

    Check Flyertalk for more information, but the general feeling is that Chase has made changes to their approval policy, and for the Chase owned cards (Freedom, Sapphire, Ink) they seem to be rejecting applications if there are >4 or 5 credit card applications in the last 24 months (total, across all issuers not just Chase). Even people with credit scores over 800 are getting rejected for Freedoms.

    • Interesting… I got denied and called the reconsideration number. They told me what you just outlined. I had too many credit card applications in the past 2 years. I asked if they were referring to my chase activity or all issuers – they told me from all issuers. I was just approved for the united card two months ago, so this seems like a new policy. Kind of sad to see the game end, at least with chase :(

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