Credit Cards

Best Beginner Credit Card For Travel: Chase Freedom Card

Posted: March 13,2020
by Jameson Lamie
Last updated: July 28,2020

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Best Beginner Travel Credit Card: Chase Freedom Credit Card Review

The Chase Freedom credit card is one of our favorite starter cards!

If you’re just getting into travel hacking, or are someone with limited credit, someone who is young or trying to rebuild your credit, the Chase Freedom card is an awesome travel credit card to start with.

The Chase Freedom is a fantastic beginner credit card for a few reasons:

First of all, it’s part of the Chase Program:

  • If you’re using the Chase Freedom card by itself, you’ll be able to earn cashback bonuses and points right away as you are starting your travel hacking credit card journey.
Get cash back when you spend $500 in the first 3 months with the Chase Freedom Card

Get cashback when you spend $500 in the first 3 months with the Chase Freedom Card

To be clear, the Chase Freedom Card is just a cashback credit card to start, but if you have other Chase cards like Chase Sapphire, you can transfer points from the Chase Freedom Card which will become more valuable and transfer them into a lot of different programs.

  • Great sign up bonus as a “ low tier card”
  • Low spending threshold to get the bonus, usually by spending $500 in the first 3 months. That’s pretty easy to do for most people.

Other reasons why we love this starter credit card.

However, the really cool thing to keep in mind is that there’s a rotating 5% back category that rotates every 3 months. Cashback awards do not expire as long as your account stays open.

*To get the 5% cashback, you need to login to your account and review the categories once every quarter.

If you’re paying attention to these rotating categories, it can sometimes work out really well with a category of 5% back with Online Shopping during holiday seasons for example. There are also categories like

  • Shopping at Walmart/Amazon
  • Restaurants
  • Entertainment
  • Home Improvement
Watch out for the rotating 5% categories!

Watch out for the rotating 5% categories!

2 big zeros with the Chase Freedom card that we l0ve!

  • A BIG $0 Annual Fee
  • A 0% APR interest for a term of 15 months.

Some other things to be aware of:

The earnings aren’t great, 1% on each transaction.

**Be careful with the 0% interest for the first 15 months. The Chase Freedom card is a starter card, but you will still get retroactively charged for any balance that was left after the 15 months are over.

DO take advantage of the 0% interest by potentially paying off debt on other cards or make a large purchase with this card if you know you can pay it back in time with no added penalties during the first 15 months.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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