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Sample Size: 571
Data Created: May 01, 2012
Offer Details for Chase Freedom® MasterCard
| Introductory APR |
Regular APR |
Balance Transfer Intro APR |
Balance Transfer Regular APR |
| 15 Months | as low as | 15 Months | as low as |
| 0% | 12.99% – 22.99%* Variable |
0% | 12.99% – 22.99%* Variable |
company overview
Chase Card services offers a diverse assortment of products and benefits for consumers’ credit needs, such as rewards cards, travel cards, miles cards, business cards, student cards, as well as its most popular credit card, the Chase Freedom card. Chase also has numerous partnerships with retailers and merchants for co-branded credit cards backed by Chase. Credit cards are issued by Chase Bank, the banking subsidiary of JP Morgan Chase & Co and one of the biggest banks in the United States. Chase Bank provides personal banking, small business, mortgage, auto finance, investing, and a full-service array of banking services.
Chase Bank, formerly known as Chase Manhattan Bank, grew rapidly in the past decade, merging with J.P. Morgan & Co. in 2000 and renamed to Chase Bank. Today, Chase is one of the biggest banks in the United States. Established over 200 years ago, JP Morgan Chase & Co. is a global financial services company with more than $2.1 trillion in assets with operations in 60 countries.
Most Popular Comment
CK 723, EF 715, EX 715 very low card balances and I ended up with $2500 CL at 22.99% interest rate after intro. I will be paying this card off every month.
Anonymous 5 months ago
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I have always had good service from Chase. The only negative is that some of their 800 reps are in foreign countries. They should hire Americans and can do so from someones home or garage.
fasterflier 1 week ago
I got this card back in march when they had the promotion for receiving 200 cash back after spending 500 wihin three months. I only got approved for 1500, which is lower than my other credit cards. Not sure if it was a bad idea or not. I applied for an auto loan the other day, and was informed my cs was 733, which is good for someone with only 3 years of credit history. My only annoyance was a credit limit of 1500? why so low?
krystina91 1 week ago
Approved! Score 690. Currently using 31% of total credit.
jeklo24 2 weeks ago
Dont know the CL yet. Will have to wait until I get the card in the mail.
jeklo24 2 weeks ago
6000 CL. I have a chase account (my mortgage and a VISA is through them) so I was pleasantly surprised today when i logged on and saw this card limit. Still don't know the APR yet.
jeklo24 1 week ago
I applied woth same cs and didnt get approved :(
AbdulKareem 5 days ago
According to Chase, when I got my card and info in the mail, my cs is 716. APR will be 18.99% after the 15 month 0% introductory.
jeklo24 1 day ago
Had a "very good" chance of getting this card, was denied. Am a currently CapOne customer, wanting to get a card so I don't have the monthly fee they decided to toss on me not that long ago. What a waste.
YukiOkasan 3 weeks ago
Because we don't carry a balance? You can charge me 600% interest if the rewards are good, and I'm still going to make money off the card.
JohnPublic 1 month ago
Could you explain what you mean "I'm still going to make money off the card"?
kingcld123 4 weeks ago
If you pay your balance in full every month you will not be charged interest (within the 21 day cycle between statements). Then because there are cash rewards you are now making money.
jeklo24 2 weeks ago
Bingo, Jeklo!
JohnPublic 1 week ago
Why would ANYONE apply for a card with 23% interest? Just say no!...No matter if you pay it off every month or not.
Captmorg 1 month ago
My interest is at 18.99%...but I dont have perfect credit. If you have perfect credit, your interest will be lower. If not, its higher. Dont charge more than you can afford to pay and you will be fine...also, you can get them to drop the APR later on when your payments are consistently on time and you keep your balances low.
jeklo24 1 day ago
Just applied for this card with a CK score of 698. Have one collections account on my credit report, but it is 4 years old. Annual income of $60K. I was approved for a CL of $4000.
wacohoward 1 month ago
So I tried to take the offer. Have a 701 credit score and was not approved. What a waste that was.
Anonymous 1 month ago
Hello wacohoward, What was the reason for you not being approved? (e.g. too many open accounts, utilization of credit too high, too little credit, etc.). Please advise. Your response would be very helpful! Thanks!
MsCreditCheck01 4 weeks ago
Hello wacohoward, I am interested to know why you were not approved? (e.g. too many credit cards, card utilization too high, too little credit, etc.) Your response to this question, would be most helpful. Thank you, CVL
MsCreditCheck01 4 weeks ago
CK688 EX721 - 0% 6mo/purchase APR AND 0% 12mo/transfer APR. Opening credit limit was $2400, purchase APR becomes 23% following promotional APR. I transfered the balances of two other cards with APRs of 22% and 15.5%. Also Chase noted that I may not have been offered better terms due to my credit history.
kastzy 2 months ago
Thank you so much. Have a great day!
MsCreditCheck01 4 weeks ago
CK score 736, 22% util, Average account age is 3 years.. Got instantly approved. My EQ/TU FICO are about 715 each.
crip1087 2 months ago