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Chase Freedom Credit Card Review | Best No Annual Fee Travel Card

Chase Freedom Credit Card Review | Best No Annual Fee Travel Card

I just wanted to review the Chase Freedom Card. This is a really cool card.. There are no annual fees for this card ever. It’s a really nice beginner card and a really good card to keep in your wallet long term.

Before going further, take note that there is a Chase Freedom Unlimited and a Chase Freedom. I’m going to discussing the Chase Freedom Card specifically. I want to say they are almost identical anyway. Both cards have $150 bonus after $500 spent during the first three months. You can use that as a hundred and fifty dollars or you can use it for a fifteen thousand chase ultimate reward points.

Now the only difference is that Freedom Unlimited gives you 1.5% cash back on every purchase. While the Freedom gives you 1% cashback plus a 5% cashback on rotating quarterly categories. You can spend up to  $1500 for each of these quarterly categories or you get 1% cash back on all other purchases that are not included in those categories. I’ll go over the categories later.

I really like the Chase Freed card because of these 5% cash back or five times earning spending on those quarterly categories. What makes this card attractive in my opinion is that if you time your purchases on these those categories, you can really maximize that 5% cashback.

If you can maximize these 5x categories then the Chase Freedom Cards can be much more valuable than the Freedom Unlimited card that only has 1.5% percent on all purchases but either cards, are great for having no annual fee card.

As you may know, having a card for a long amount of time is really good for your credit. So this is a really great card to keep long-term if not permanently.

These cards are also nice if you have something like the Chase Sapphire Reserve or
Preferred. If you don’t want to keep one of the more premium cards with an annual fee cards after hvaing them open for a year, you could downgrade to one of these cards.

That being said, if you do downgrade to a Chase Freedom card, you would not be able to get the sign-up bonus. You could still get this 5% cash back though, which is really really valuable.

So this is the first quarter of the Freedom card for 2018. The categories with 5% cashback are gas stations, Internet cable or phone services, as well as Chase Pay, Android Pay, Apple pay and Samsung pay.

You will have to sign up to get the 5% cashback and you have do this on each one of these quarterly bonuses. Only then you will be able to get this five times points earning or five percent cashback.

Now they’ve only announced the first quarter so far but as an example of a typical quarterly rotation. We usually see things like the first quarter gas stations and transportation.
Second-quarter is usually grocery stores. Third-quarter is usually restaurants and and fourth quarter is usually things like department stores. Occasionally amazon will be in there. Here is an example from 2017.

These guys do rotate quite a bit here. These are all really cool benefits to get from a card that has no annual fee. You know you can’t really go wrong. It’s a really great way to continue to build your credit scores, to keep a card long-term or just to downgrade to after the Chase Reserved or Preferred.

I hope this was helpful for you guys I think the chase freedom is the best no annual fee card out there right now. It’s great because you can earn a lot of cash back or Chase Ultimate Rewards points.

That being said you cannot use any of the Chase Ultimate Reward Transfer partners unless you also do also have the Chase Sapphire Preferred, Chase Sapphire Reserve or Chase Business Ink. So it’s a really good card to tandem with one of those cards

It’s a really great way to earn points with this and then transfer and make your points worth even more value with the Preferred or Reserve.

Please note this card does fall under the Chase 5:24 rule. Be sure to take this into account if you’re going to apply.

If this was helpful, comment down below and let me know if you do have this card or if you have another card that you prefer more with no annual fee.

Chase Sapphire Preferred® Card

With great travel benefits, 2x points on travel & dining and a 50,000 point sign up bonus, the Chase Sapphire Preferred is a great card for those looking to get into the points and miles game.


<li>Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®</li>
<li>2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.</li>
<li>Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening</li>
<li>No foreign transaction fees</li>
<li>1:1 point transfer to leading airline and hotel loyalty programs</li>
<li>Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel</li>
<li>No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards</li>

About The Author


Jason is a travel hacker turned full-time digital nomad. He travel hacks his way through the world using millions of points and miles to travel for nearly free. Follow along and learn the secrets to free travel.

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Jason is a travel hacker turned full-time digital nomad. He travel hacks his way through the world using millions of points and miles to travel for nearly free. Follow along and learn the secrets to free travel.

Find out more.