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Chase Freedom® Student credit card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
19.99% (Variable)
Interest Rate: Purchases
19.99% (Variable)
Balance Transfer
19.99% (Variable)
Balance Transfer
19.99% (Variable)
1% cashback
1% cashback
Signup Bonus
Signup Bonus

Informr score
The Chase Freedom® Student credit card currently has an Informr score of 8 out of 10. This score is based on our evaluation of 21 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Chase Freedom® Student credit card is typically available to those with poor credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Chase Freedom Student credit card is a solid starter card for students who want to earn cash back rewards and build their credit. While there’s a ton to love about this card for new cardholders, there are other options with lower barriers to entry and higher earning potential.

- Holly D. Johnson, Bankrate

This Chase Freedom Student Credit Card review offers an overview of the card's best features. The card is designed for students who are ready to work on building credit while getting rewarded for their purchases. In terms of rewards, the 1% cash back you can earn is similar to what other student car...

- Rebecca Lake, MyBankTracker
Money Crashers
Money Crashers

Were I in the market for a new student credit card, I’d probably pass over the Chase Freedom® Student credit card in favor of one of its Capital One competitors (SavorOne Student, if I had to pick). I like cash back, and Freedom Student just isn’t generous enough on that front. But Freedom Student h...

- Brian Martucci, Money Crashers

Chase Freedom® Student credit card is a good starter card for students who are beginning to establish their credit history, particluarly if they have an interest in developing a relationship with Chase and a starter bank of Ultimate Rewards® points. Though some of the rewards are not as high are oth...

- Brooklyn Lowery,

The Chase Freedom® Student credit card is a solid option for any student looking for a starter credit card or interested in building credit. While you're rewarded for card purchases with the Chase card, you can probably maximize your rewards earning better with other top student credit cards.

- Kevin Payne, ValuePenguin


Interest Rates
Regular APR Interest Rate 19.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 19.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 29.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee 3%

of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus

$50 Bonus earned after first purchase made within the first 3 months from account opening.

All Purchases 1% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details
  • 5% cash back on Lyft through March 31, 2025
  • Earn $20 good standing rewards after each account anniversary for up to 5 years.
Features & Benefits
Additional Card Holders No
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Additional Benefits
  • Earn a credit limit increase after making 5 monthly payments on time within 10 months from account opening when meeting credit criteria.
  • Trip Cancellation/Interruption Insurance
  • Lock/Unlock Feature
  • Contactless payment
  • Get a complimentary 3 months of DashPass, DoorDash's subscription service. After that, you are automatically enrolled in DashPass at 50% off for the next 9 months. Activate by December 31, 2024.
  • 3 months of Instacart+ membership. Also earn up to $10 in statement credits each quarter through July 31, 2024 when you make eligible Instacart purchases.
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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