Freedom Credit Cards

Offers may vary depending on where you apply, for example online or in a branch, and can change over time. To take advantage of this particular offer now, apply through the method provided in this advertisement. Review offer details before you apply.

$200 Cash Back After You Spend $500 On Purchases In The First 3 Months From Account Opening: This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. You will receive 20,000 bonus points with this bonus offer, which can be redeemed for $200 cash back. To qualify and receive your bonus, you must make Purchases totaling $500 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

Earning in the Rewards Program: “Cash Back rewards” are the rewards you earn under the program. Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points. How you can earn points: You’ll earn points on purchases of products and services, minus returns or refunds, made with a Chase Freedom Unlimited credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count and won’t earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 1.5% Cash Back: You’ll earn 1.5% Cash Back rewards for each $1 spent. 3% Cash Back rewards total for each $1 spent on purchases in the following rewards categories: drugstores and dining at restaurants including takeout and eligible delivery services (1.5% additional Cash Back rewards on top of the 1.5% Cash Back rewards earned on each purchase). 5% Cash Back rewards total for each $1 spent on purchases made using your card through Chase Travel (3.5% additional Cash Back rewards on top of the 1.5% Cash Back rewards earned on each purchase). How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points for products or services made available through the program or directly from third parties. Redemption values for reward options vary. Points expiration/losing points: Your points don’t expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, or other reasons described in the terms of the Rewards Program Agreement. For important information about Chase rewards categories, see chase.com/RewardsCategoryFAQsOpens in a new window. For more information about the Chase Freedom Unlimited rewards program, you can see the latest Rewards Program Agreement at chase.com/freedomunlimited/rewardsagreementOpens in a new window and it will also be available for cardmembers after logging in to chase.com/ultimaterewardsOpens in a new window and will be mailed for new or changed accounts.

Score Improvement: This score improvement resource does not guarantee you will reach your credit score goal even if you complete the recommended actions, as there are other factors that may impact your VantageScore. This resource should be used for educational purposes only. There are various types of credit scores that lenders can access to make a lending decision. The credit score you receive is based on the VantageScore® 3.0 model and may not be the credit score model used by your lender or by Chase. You should carefully consider your needs and objectives before making any decisions, and consult the appropriate professional(s).

Zero Liability: Zero Liability Protection does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the Cardmember Services number on your card or billing statement.

Account Alerts: Delivery of alerts may be delayed for various reasons including technology failures and capacity limitations. There is no charge from Chase, but message and data rates may apply.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Chase Freedom Unlimited credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

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Offers may vary depending on where you apply, for example online or in a branch, and can change over time. To take advantage of this particular offer now, apply through the method provided in this advertisement. Review offer details before you apply.

$200 Cash Back After You Spend $500 On Purchases In The First 3 Months From Account Opening: This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. You will receive 20,000 bonus points with this bonus offer, which can be redeemed for $200 cash back. To qualify and receive your bonus, you must make Purchases totaling $500 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

Earning in the Rewards Program: “Cash Back rewards” are the rewards you earn under the program. Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points. How you can earn points: You’ll earn points on purchases of products and services, minus returns or refunds, made with a Chase Freedom Flex credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count and won’t earn points: Balance transfers, cash advances or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, fees of any kind, including an annual fee, if applicable. 1% Cash Back: You’ll earn 1% Cash Back rewards for each $1 spent. 3% Cash Back in the drugstore and dining at restaurants categories: You’ll earn 3% Cash Back rewards total for each $1 spent on purchases in the following rewards categories: drugstores and dining at restaurants including takeout and eligible delivery services (2% additional Cash Back rewards on top of the 1% Cash Back rewards earned on each purchase). 5% Cash Back on Chase Travel bookings: You’ll earn 5% Cash Back rewards total for each $1 spent on purchases made using your card through Chase Travel (4% additional Cash Back rewards on top of the 1% Cash Back rewards earned on each purchase). 5% Cash Back in quarterly bonus categories: You’ll earn 5% Cash Back rewards total for each $1 spent until $1,500 is spent on combined purchases in the quarterly bonus categories each quarter that you activate the bonus (4% additional Cash Back rewards on top of the 1% Cash Back rewards earned on each purchase). You must activate your 5% Bonus Cash Back each quarter by the activation deadline. 5% Cash Back quarterly bonus categories may include individual select merchants in addition to bonus rewards categories. After $1,500 is spent on combined purchases in the quarterly bonus categories each quarter, you go back to earning 1% Cash Back rewards for each $1 spent, with no maximum. For more information on 5% Cash Back quarterly bonus offers, please visit chase.com/freedomflexOpens in a new window and select the Chase Freedom Flex FAQs link at the bottom of the page. For a purchase to qualify for the 5% bonus Cash Back, the merchant must submit charges to your credit card by the last day of the relevant calendar quarter. How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points for products or services made available through the program or directly from third parties. Redemption values for reward options vary. Points expiration/ losing points: Your points don’t expire as long as your account is open, however, you’ll immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, or other reasons described in the terms of the Rewards Program Agreement. For important information about Chase rewards categories, see chase.com/RewardsCategoryFAQsOpens in a new window. For more information about the Chase Freedom Flex^® rewards program, you can see the latest Rewards Program Agreement at chase.com/freedomflex/rewardsagreementOpens in a new window and it will also be available for cardmembers after logging in to chase.com/ultimaterewardsOpens in a new window and will be mailed for new or changed accounts.

Score Improvement: This score improvement resource does not guarantee you will reach your credit score goal even if you complete the recommended actions, as there are other factors that may impact your VantageScore. This resource should be used for educational purposes only. There are various types of credit scores that lenders can access to make a lending decision. The credit score you receive is based on the VantageScore® 3.0 model and may not be the credit score model used by your lender or by Chase. You should carefully consider your needs and objectives before making any decisions, and consult the appropriate professional(s).

Zero Liability: Zero Liability Protection does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the Cardmember Services number on your card or billing statement.

Account Alerts: Delivery of alerts may be delayed for various reasons including technology failures and capacity limitations. There is no charge from Chase, but message and data rates may apply.

Mastercard, the circles design, World Mastercard and World Elite Mastercard are trademarks of Mastercard International Incorporated.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Chase Freedom Flex credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

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Offers may vary depending on where you apply, for example online or in a branch, and can change over time. To take advantage of this particular offer now, apply through the method provided in this advertisement. Review offer details before you apply.

APR Reduction: If you make purchases totaling $1,000 or more during an anniversary year, and have made all payments on time, your account will be automatically reviewed for a 2% reduction of your standard APRs for purchases and balance transfers (“APRs”) based on our credit criteria. Your APRs can only be reduced through this benefit until they reach 9.74% plus the Prime Rate, which is 7.50% as of 07/31/2025. Your APR reduction could be less than 2% depending on your APRs at the time of review. See Pricing & TermsOpens in a new window for pricing details. If you qualify, please allow one to two months for your APRs to be reduced. Your account must be open and not in default when we attempt to decrease your APRs. “Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee, if applicable. “Anniversary year” means the year beginning with account open date through the first statement after the anniversary of your account open date, and each 12 months after that. At the beginning of each anniversary year the calculation resets to zero and you must qualify again in the next year. Purchases made towards the end of an anniversary year may not be posted to your account until the next anniversary year and will therefore be included in the calculation for that year.

Credit limit increase: If you make purchases totaling $500 or more through the first statement after the first 6 months from account opening, and have made all payments on time, you will be automatically evaluated for a credit limit increase based on our credit criteria. If you qualify, please allow one to three months for your credit limit to be increased. Your account must be open and not in default when we attempt to increase your credit limit. Any other increase in your credit limit within this period disqualifies you for this offer. “Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee, if applicable.

Score Improvement: This score improvement resource does not guarantee you will reach your credit score goal even if you complete the recommended actions, as there are other factors that may impact your VantageScore. This resource should be used for educational purposes only. There are various types of credit scores that lenders can access to make a lending decision. The credit score you receive is based on the VantageScore^® 3.0 model and may not be the credit score model used by your lender or by Chase. You should carefully consider your needs and objectives before making any decisions, and consult the appropriate professional(s).

Zero Liability: Zero Liability Protection does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the Cardmember Services number on your card or billing statement.

Account Alerts: Delivery of alerts may be delayed for various reasons including technology failures and capacity limitations. There is no charge from Chase, but message and data rates may apply.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Chase Slate credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

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