Chase Freedom Credit Card Review


Application Link

  • Target Bonus: 15,000 Ultimate Rewards Points
  • Current Bonus: 15,000 Ultimate Rewards Points
  • Subject to the 5/24 Rule

Annual Fee: $0

Earning Ultimate Rewards Points

  • Rotating 5x Ultimate Rewards categories
  • 1x on everything else. 

Chase Freedom Card Benefits

  • Purchase Protection ($500)
  • Extended warranty
  • Trip cancellation/interruption insurance
  • Secondary rental car insurance.

Comparison of All Ultimate Reward Cards

 Sapphire ReserveSapphire PreferredInk PreferredFreedom UnlimitedFreedomInk CashInk Unlimited
Sapphire ReserveSapphire PreferredInk PreferredFreedom UnlimitedFreedomInk CashInk Unlimited
Current Bonus50,00050,00080,00015,00015,00030,000$500
Annual Fee$450$95$95$0$0$0$0
Additional Card Holder Fee$75$0$0$0$0$0
Annual Travel Credit$300NoNoNoNoNoNo
Transfer PartnersYesYesYesNoNoNoNo
UR Value on travel1.5 cpp1.25 cpp1.25 cpp1 cpp1 cpp1 cppN/A (Cash back)
Lounge AccessPriority PassNoNoNoNoNoNo
Travel3x2x3x1.5x1x1x1.5% cashback
Dining3x2x1x1.5x1x2x1.5% cashback
Groceries1x1x1x1.5x1x1x1.5% cashback
Gas1x1x1x1.5x1x2x1.5% cashback
Office Supplies1x1x1x1.5x1x5x1.5% cashback
Shipping/Advertising1x1x3x1.5x1x1x1.5% cashback
Phone/Internet1x1x3x1.5x1x5x1.5% cashback
Other Spend1x1x1x1.5x1x1x1.5% cashback
Global EntryYes, every four yearsNoNoNoNoNoNo
Rental Car InsurancePrimary/$75,000PrimaryPrimary (for business purposes)Secondary (Primary outside the U.S)Secondary (Primary outside the U.S)Primary (for business purposes)Primary (for business purposes)
Foreign Transcation FeeNoneNoneNone3%3%3%3%
Trip Delay6 Hrs/$50012 Hrs/$50012 Hrs/$500NoneNoneNoneNone
Purchase Protection120 Days/$10,000120 Days/$500120 Days/$10,000120 Days/$500120 Days/$500120 Days/$10,000120 Days/$10,000
Cellphone ProtectionNoneNone$600 with $100 deductibleNoneNoneNoneNone
Extended Warranty1 Year1 Year1 Year1 Year1 Year1 Year1 Year
Return Protection90 Days/$500 up to $1,000 per yearNoneNoneNoneNoneNoneNone
Trip Cancel Insurance$10,000$10,000$5,000$1,500 per person up to $6,000$1,500 per person up to $6,000NoneNone
Trip Interruption Insurance$10,000$10,000$5,000$1,500 per person up to $6,000$1,500 per person up to $6,000NoneNone
Travel Accident Insurance$1,000,000$500,000$500,000NoneNone$500,000None
Baggage Delay6 Hrs/$100 up to 5 Days6 Hrs/$100 up to 5 Days6 Hrs/$100 up to 5 DaysNoneNone6 Hrs/$100 up to 3 Days6 Hrs/$100 up to 3 Days
Emergency Evac$100,000NoneNoneNoneNoneNoneNone
Roadside ServiceUp to $50 up 4 times per year$59.95 Per timeUsage FeeUsage FeeUsage FeeUsage FeeUsage Fee
Lost Luggage$3,000$3,000$3,000$3,000$3,000NoneNone
Quarterly BonusNoneNoneNoneNone5xNoneNone

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