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Why You Should Get the Chase Freedom Card



I haven’t really blogged about credit cards often, although I should since they’re a huge aid to the frequent (and even occasional) traveler.

One of the credit cards that both my wife and I use regularly, and that I have been recommending to friends personally, is the Chase Freedom card. While Chase has a handful of credit cards that I would recommend getting and using to rack up points to travel, the first of the cards I advise getting is the Freedom.

Here are some benefits:

  • FREE: No annual fee, ever.
  • 10,000 point bonus after $500 spend within first 3 months. Very doable!  (FYI – Chase refers to the 10,000 points as $100 cash back. The points can obviously be used for other things like travel, but you can choose cash back as well)
  • 5X points on selected categories each quarter (for first $1500 spent in those categories) – Categories change each quarter every year.
    • Q4 – which begins Oct 1st – the spend categories are: all purchases on AND via selected Department Stores including: Macy’s, Sears, Kohl’s, Nordstrom, JC Penney, Barney’s New York, Bloomingdales, Loehmann’s, Lord & Taylor, Saks Fifth Ave & Off 5th, and others.
    • This quarter – Q3 – which is too late to sign up for the bonus for – the categories included Gas Station (perfect for summer road trips), Theme Parks (also a perfect summer category for families, and Kohl’s.


  • Earning UR (Ultimate Rewards) Points – a powerful points earning system that works well with Chase’s other credit card products, and allows you to redeem points for travel at a great rate. (Works even better if you have a Chase Sapphire Preferred card or a business Chase Ink card – allowing you to transfer your points to various airlines).
    • Here are some reasons why UR points are awesome (via @ThePointsGuy):
      1. There is no fee to transfer points.
      2. Chase is flexible and instantaneous with external transfers. Chase just asks for the name of the person you want to transfer to (meaning you can transfer points to someone else’s airline account). A couple clicks later and the transaction is done. This is amazingly helpful when family/friends need to top up accounts and you can come in and save the day, saving them potentially hundreds of dollars from having to buy miles directly from the airlines. Chase’s transfers are all instantaneous, whereas some of American Express’ can take several days (for partners like ANA and Singapore). American Express also lets you transfer to other people, but I just feel like Chase’s process is easier and more efficient.
      3. Chase is very flexible and instantaneous with internal transfers. Chase allows points to be transferred to anyone else that has a UR account. I could transfer my points to my wife, dad, friend in Brooklyn, cousin in Seattle, etc. Pretty awesome.
      4. There are more reasons that UR points are pretty sweet … read them here.
  • While banks tend to value their points at $0.01 each, many travel bloggers tend to value these points at significantly higher, especially if you have another Chase credit card (as mentioned above).



Chase Freedom card in my wallet

If you currently have a credit card that you put all of your spending on, chances are you are not properly taking advantage of the multiple ways you can be earning more points to help you travel for free. Consider getting the Chase Freedom card (both you and a spouse can each order one to maximize earning potential) as an initial way to earn extra points for free travel.


Full Disclosure: I earn a referral for sign ups for this card, but would not recommend it if I did not use it myself and recommend it to friends, which I do. ~Dani


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6 Responses to “Why You Should Get the Chase Freedom Card”

  1. Binyamin Pinkus #

    You may want to check the T&Cs on transfers. From Ultimate Rewards website: “Points can only be transferred to yourself, spouse or domestic partner.”

    September 15, 2013 at 4:01 pm
  2. The Other Mike #

    As someone with way more credit card debt than he wants, the name of this card can only bring to mind the maxim from George Orwell’s “1984″: “Freedom is slavery.”

    December 25, 2013 at 1:15 pm


  1. Possibly the Best Credit Card to Earn Travel Rewards: SPG from American Express | Kosher & Jewish Travel Guide | Kosher Restaurants • - December 5, 2013

    […] I’ve written about the Chase Freedom card as a must-have credit card for all consumers who want to earn points to use toward travel. While […]

  2. 6 CREDIT CARDS for Beginners – Start Earning Points for Travel | Kosher & Jewish Travel Guide | Kosher Restaurants • - January 20, 2014

    […] Chase Freedom: This is a card that I’ve blogged about previously because it’s a no-brainer. The card is free, forever. What makes this card valuable is what Chase calls “category spending”. Every quarter, Chase offers Freedom card holders a few different types of merchants where purchases earn 5x points on up to $1500 in purchases in that category. Typically, a sign up bonus for the Freedom is 10,000 points, but sometimes it is more. This card earns Ultimate Rewards (UR) points. While this card gives you great opportunities to earn points, the points become even more flexible when paired with #2 or #3 below. If you have a Chase checking account this card becomes more valuable as well. [Read more on the benefits of this card here.] […]

  3. Why You Need to Put Away Your HAS Advantage Credit Card For Good | Kosher & Jewish Travel Guide | Kosher Restaurants • - May 27, 2014

    […] card today offers ways to earn significantly more than that. Today, I am using cards that earn me 5x points on restaurants (this quarter)(CHASE FREEDOM), 6% cash back on groceries & 3% back on gas + dept stores (AMEX BLUE CASH PREFERRED), 5% back […]

  4. LIMITED TIME OFFER: Get Double the Sign Up Bonus for the Chase Freedom Card | Kosher & Jewish Travel Guide | Kosher Restaurants • - June 3, 2014

    […] previously blogged about why the Chase Freedom card is an essential card that you should have in your wallet. A quick rundown of those points […]

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