Chase Freedom®
Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Chase Freedom® from Chase earns up to 5% effective value on gas in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Gas
- Effective value
- 5%
- Annual fee
- $0
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in gas and can earn 5% back.
What does the Chase Freedom earn in each category?
Gas is the strongest category at 5% effective value (5% back). That gas rate ranks higher than about 99% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Chase Freedom compares across dining, grocery, gas, travel, and other spend.
Gas is the strongest category at 5% effective value (5% back). That gas rate ranks higher than about 99% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Chase Freedom compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 5% back | 5% Top category |
| Travel Flights, hotels, transit | 5% back | 5% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Chase Freedom reward caps and conditions?
The Chase Freedom has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Get 5% cash back on Gas Station and EV Charging Capped at $1500 per quarter. Offer window: 2026-07-01 to 2026-09-30.
- Get 5% cash back on Public Transit Capped at $1500 per quarter. Offer window: 2026-07-01 to 2026-09-30.
Who should get the Chase Freedom?
The Chase Freedom fits spenders who put meaningful volume in gas and can earn 5% back. Best for spenders who put meaningful volume in gas and can earn 5% back.
Chase Freedom fits spenders who put meaningful volume in gas and can earn 5% back. Madeen ranks its gas effective rate higher than about 99% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 5% back.
Foreign transaction fees make it weaker for international spend.
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is gas at about 5% effective (5% back).
- That gas rate ranks higher than about 99% of cards we track in the category.
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
Does the Chase Freedom have an annual fee?
The Chase Freedom has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Chase Freedom?
The Chase Freedom includes DoorDash, Extended Warranty Protection, Purchase Protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
DoorDash
$25/yrGet 6 months of complimentary access to DashPass– a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027. Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Purchase Protection
Up to $50,000 coverageCovers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Extended Warranty Protection
Up to $10,000 coverageExtends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Related encyclopedia topics
Common questions about the Chase Freedom
Is the Chase Freedom card a good card to have?
The Chase Freedom® from Chase earns up to 5% effective value on gas in Madeen's catalog snapshot. It has no annual fee.
Does the Chase Freedom have an annual fee?
The Chase Freedom carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Chase Freedom?
Gas is the strongest Madeen category for the Chase Freedom at about 5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Chase Freedom charge foreign transaction fees?
The Chase Freedom charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the Chase Freedom?
Madeen's catalog lists a typical credit range of Good for the Chase Freedom. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Chase Freedom?
Rewards on the Chase Freedom post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Chase Freedom compare to similar cards?
Compare the Chase Freedom against Chase Freedom Flex Credit Card (5% on Gas, $0 fee); Disney Inspire Visa Card (3% on Gas, $149 fee); United Gateway℠ Card (2.4% on Gas, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Chase Freedom This card | Gas | 5% | $0 |
| Gas | 5% | $0 | |
| Gas | 3% | $149 | |
Chase | Gas | 2.4% | $0 |
Chase | Gas | 2% | $95 |
Side-by-side comparisons
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure