Chase Freedom

The Chase Freedom Credit Card earns cashback on everyday purchases with rotating bonus categories.

Credit Card

Chase Freedom

No Annual Fee Foreign Transaction Fees

Introductory 0% APR on Purchases for the First 15 Months

How to Apply You will remain on the current site

With no annual fee and the potential for significant rewards, this card offers a flexible and rewarding experience. 

The Best Credit Card for Earning Cashback with Rotating Categories

The Chase Freedom Credit Card stands out for its rotating 5% cashback categories, which offer high rewards in select categories that change every quarter. 

Plus, with no annual fee, this card is an excellent option for those who want to earn extra cashback without paying for the privilege.

Pros and Cons

Pros

• 5% Cashback on Rotating Categories (Up to $1,500 per Quarter)
• 1% Cashback on All Other Purchases
• No Annual Fee
• Introductory 0% APR on Purchases for the First 15 Months

Cons

• Requires Activation of Rotating Categories Every Quarter
• 5% Cashback Limited to $1,500 per Quarter
• Foreign Transaction Fees

How Do I Know if the Chase Freedom Credit Card Is the Best Card for Me?

The Chase Freedom Credit Card is a great option if you want to earn higher cashback on specific spending categories throughout the year. 

If you’re willing to keep track of rotating categories and activate them each quarter, you can earn up to 5% cashback on up to $1,500 in purchases per category. 

The ability to earn 1% on all other purchases ensures that you’re always earning rewards, no matter what you’re buying. 

This card is perfect for individuals who make purchases in the categories featured each quarter and want to get the most out of their everyday spending. 

However, if you prefer a card that offers consistent cashback without the need for activation, there may be other cards better suited to your needs.

Why Do We Like This Card?

We like the Chase Freedom Credit Card because it offers a highly rewarding cashback structure with rotating 5% categories, allowing cardholders to earn significant rewards on select purchases throughout the year. 

The 1% cashback on all other purchases ensures that no matter where you shop, you’re still earning rewards. 

The card also comes with an introductory 0% APR on purchases for the first 15 months, providing extra value for large purchases or those looking to carry a balance. 

While the need to activate categories and the $1,500 quarterly cap can require some effort, the overall cashback potential and flexibility make this a great option for those willing to engage with the card’s features and maximize their rewards.