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Chase Freedom® Student credit card review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
16.49% (Variable)
Interest Rate: Purchases
16.49% (Variable)
Balance Transfer
16.49% (Variable)
Balance Transfer
16.49% (Variable)
Rewards
1% cashback
Rewards
1% cashback
Signup Bonus
-
Signup Bonus
-


7.9/10
Informr score
The Chase Freedom® Student credit card currently has an Informr score of 7.9 out of 10. This score is based on our evaluation of 20 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...


GOBankingRates
GOBankingRates

The Chase Freedom Student credit card offers cash back with no annual fee attached. Cardholders receive 1% cash back on all purchases with no limitations. Moreover, the cash cardholders earn never expires and there's no minimum cash redemption amount. Cardholders also receive a $50 welcome bonus whe...

- Joshua Rodriguez, GOBankingRates
WalletHub
WalletHub

The Chase Freedom® Student credit card is a good credit card for students who want to earn an initial rewards bonus after just a single purchase and then get annual bonuses for up to five years just for keeping the account in good standing. The card also has a $0 annual fee and rewards of 1% cash ba...

- John S Kiernan, WalletHub
FinanceBuzz
FinanceBuzz

The Chase Freedom Student card is perfect for college students who want a simple, easy-to-use card. It’s an excellent first credit card, helping you build good credit habits while you earn cashback rewards. It has a lower APR than many other student credit cards, so you could save money if you gener...

- Kat Tretina, FinanceBuzz
NextAdvisor
NextAdvisor

The Chase Freedom Student Credit Card provides college students with a valuable introduction to credit-building. Not only can you begin building your credit history and improving your score with on-time payments, but you can earn a welcome bonus, get rewards on every purchase, and pay no annual fee....

- Holly Johnson, NextAdvisor
ValuePenguin
ValuePenguin

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

Details


Interest Rates
Regular APR Interest Rate 16.49% (Variable)

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

Balance Transfer Interest Rate 16.49% (Variable)

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

Cash Advance Interest Rate 26.49% (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

Maximum

Promotions
Sign up bonus

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

Rewards
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
  • 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.
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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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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