Chase Freedom
- Annual fee
- None
- Earns
- Chase Ultimate Rewards points
- Point value
- 2.05 CPP
Welcome offer
Chase no longer takes new applications for this card, so there's no welcome offer. Existing cardholders keep its earning and benefits.
Earning rates
| Category | Earns | Return |
|---|---|---|
| Travel | 1x | 2.05% |
| Dining | 1x | 2.05% |
| Groceries | 1x | 2.05% |
| Gas | 1x | 2.05% |
| Everything else | 1x | 2.05% |
Return is what each $1 of spend is worth with points valued at 2.05 CPP.
Transfer partners for Chase Ultimate Rewards points
| Partner | Ratio | Transfer time |
|---|---|---|
| Aer Lingus | 1:1 | Almost Instant |
| Air Canada Aeroplan | 1:1 | Almost Instant |
| British Airways | 1:1 | Almost Instant |
| Flying Blue AIR FRANCE KLM | 1:1 | 1 hour |
| Hyatt | 4:3 | Almost Instant |
| Iberia | 1:1 | Almost Instant |
| IHG | 1:1 | 1 day |
| JetBlue | 1:1 | Almost Instant |
| Marriott Bonvoy | 1:1 | 2 days |
| Singapore Airlines | 1:1 | 1-2 Days |
| Southwest Airlines | 1:1 | Almost Instant |
| United Airlines | 1:1 | Almost Instant |
| Virgin Atlantic | 1:1 | Almost Instant |
| Wyndham Rewards | 1:1 | 7 days |
Application rules
Subject to Chase 5/24
Chase won't approve it if you've opened 5 or more personal cards from any bank in the last 24 months.
Counts toward 5/24
Opening it takes one of your Chase 5/24 slots.
Closed to new applicants
Chase stopped taking applications for the original Freedom card in 2020. You can still get it by product changing another Chase Freedom or Sapphire card.
Product changes
- Upgrade to Sapphire Preferred · You keep your points and can transfer them to airline and hotel partners, for a $95 fee.
- Upgrade to Sapphire Reserve · You keep your points and get the Reserve's benefits for a $795 fee. It's a Visa Infinite card, so Chase may need your credit limit to be at least $10,000.
- Downgrade to Freedom Unlimited · You keep your points and switch to a flat 1.5% on everything instead of quarterly 5% categories.
- Downgrade to Freedom Flex · You keep your points and add 3% dining and drugstore categories while keeping quarterly 5% categories.
About the Chase Freedom
The Chase Freedom is a personal Visa card from Chase with no annual fee that earns Chase Ultimate Rewards points. Chase no longer takes new applications for it, but existing cardholders keep it. Points transfer to 14 airline and hotel partners, including Aer Lingus, Air Canada Aeroplan and British Airways. AwardHack values Chase Ultimate Rewards points at 2.05 CPP.
Frequently asked questions
What is the Chase Freedom annual fee?
The Chase Freedom has no annual fee.
Does the Chase Freedom include airport lounge access?
No, the Chase Freedom doesn't include airport lounge access.
Does the Chase Freedom count toward Chase 5/24?
Chase won't approve it if you've opened 5 or more personal cards from any bank in the last 24 months. Opening it counts as one of your 5/24 slots.
Where can I transfer Chase Ultimate Rewards points?
To 14 partners: Aer Lingus (1:1), Air Canada Aeroplan (1:1), British Airways (1:1), Flying Blue AIR FRANCE KLM (1:1), Hyatt (4:3), Iberia (1:1), IHG (1:1), JetBlue (1:1), Marriott Bonvoy (1:1), Singapore Airlines (1:1), Southwest Airlines (1:1), United Airlines (1:1), Virgin Atlantic (1:1) and Wyndham Rewards (1:1).
Similar cards
Offers, fees and benefits change often. Check the issuer's site before you apply.