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

Chase Freedom ImageThe Chase Freedom® – $100 Bonus is a popular rewards card with no annual fee, as it offers a $100 Bonus after you make $500 in purchases in your first 3 months from account opening, an additional $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period and a 5% cash back on rotating categories like gas stations, restaurants, and It’s free and easy to activate your bonus each quarter! 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). For 2014, you can get 5% back on gas for half the year (see below).

2015 5% Cash Back Categories

From April through June 2015 (activate starting 3/15/15):

  • Restaurants
  • H&M
  • Bed Bath and Beyond

Activate 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 with the Chase Freedom card and they can be converted to miles like United and British Airways as well as converted to cash. Depending on what you redeem for (i.e. plane ticket), Ultimate Rewards can be worth well more than 1 cent per point which means you can actually get more than 5% value back.

“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.”

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  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.

    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?

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