Credit Score:
742
Credit Limit:
7000
Age:
45-54
Posted 07/08 2017
Used to fly United and have their card. But now that they are moving their program to one based on ticket prices rather than distant flown to earn miles, it is time to me to stop using the UA card. Hence, I got this card. Earning cash back is much better.
Credit Score:
643
Credit Limit:
1000
Age:
18-24
Posted 04/03 2017
Am a student and have a checking account with them since I was young (parents set them up and put money periodically into it). Applied through my banker and got approved for a small amount. This is my first card.
Credit Score:
753
Credit Limit:
10000
Age:
35-44
Posted 03/22 2017
Got a 10k CL with a mid 750 score.
Credit Score:
808
Credit Limit:
15000
Age:
55-64
Posted 01/08 2017
I am a long time holder of the UA Visa from Chase. Am also a long time frequent flyer of United because of work. Since I took a mini retirement, I decided to stop earning UA miles since using miles in general has become a real pain. After much research, I thought that the Freedom offered the best in terms of rewards and cash back. I got a $15k CL with an 800 score (through a very long history of always paying in full and never being late). Love this card and when I think of all the annual fees I have paid over the years on the UA card, I wonder if it was ever worth it!
Credit Score:
783
Credit Limit:
11500
Age:
35-44
Posted 12/17 2016
Having used a plain old BOA Visa Platinum for many years, I decided to get a card that gave me rewards. After reading some of the reviews here and on other sites, I decided on this card. I have had many years of history (though with only one card) and I got a decent line. I have been happy with the rewards so far and I find myself earning between $30 and $45 in cash back each month.
Credit Score:
694
Credit Limit:
2500
Age:
45-54
Posted 11/10 2016
I have read mix reviews on application success when your credit is not great (ie more than 700). So I thought I'd share this. Got foreclosed in 2008. Record should be wiped out soon. Have 3 other cards which I always paid in full. Total CL from other cards is about $10k. Applied for this card and got approved with $2.5k CL. I guess it is not too bad considering what is on my report.
Credit Score:
708
Credit Limit:
4000
Age:
25-34
Posted 09/12 2016
Before getting this card, I had a Capital One, BOA Visa and and a Wells Fargo cash back card. I have to say that this card is the best that I have had hands down. The 5% rotating rewards are great. I especially like the gas, home improvements and amazon.com rewards. CSR has been very good. Lost my card once and also asked them about renting a car and what the card insurance policy covered. Both times, they helped me out quickly.
Credit Score:
769
Credit Limit:
7500
Age:
35-44
Posted 09/09 2016
I use this card along with my Amex Blue Cash Everyday. The Amex is for groceries, department stores and gasoline (although I switch to the Chase when they have their 5% for gas). I find that using this combination of cards serves me well and I feel I get the best from both these cards. My CL with Chase is $7.5k and $12k for the Amex. So between the two cards, I have more than enough CL for my daily use.
Credit Score:
729
Credit Limit:
5000
Age:
25-34
Posted 08/12 2016
Have been getting "pre-approved" mails for 3 months. Finally, got one where they offered $200 cash back bonus. So I bit the bullet, applied and was approved for $5k CL. I have since set up my autopay and I PIF every month. I earn about $30 in cash back each month so I am quite happy with the card.
Credit Score:
783
Credit Limit:
13000
Age:
35-44
Posted 06/08 2016
I was a very loyal Amex gold card holder for the longest time. But these days, my job does not require traveling and I no longer want to earn points for miles transfer because it is getting more and more difficult to do so. After much research, I decided to go with a cash back card and one of the things that I was very particular about was that I did not want to pay any annual fees. I applied online and got approved instantly. I am also happy with the credit line that I got.
Credit Score:
767
Credit Limit:
9000
Age:
35-44
Posted 05/17 2016
I started off getting the Slate for the balance transfer deal and got a rather smallish limit (about $2k). After a couple of years and an improving credit score, I thought I'd upgrade to a rewards card. After reading stuff here and at other forums, I decided to keep the Slate and get another card from Chase. I chose the Freedom and got approved instantly. CL was ok at $9k. Having this card sure beats the Slate as I get to earn points which I did not with the previous card. My advice is that if you are looking for just one go to card to use, this is a great card with no annual fee and very nice rewards. The 5% rewards really help you earn more cash back than you would otherwise.
Credit Score:
705
Credit Limit:
4000
Age:
35-44
Posted 03/25 2016
I have 4 other cards before I applied for this. Got the BOA cash rewards with a $6k CL, Discover with a $8k CL, JC Penny with a $2k and Macys with $3k. I though the CL given to me was on the low side considering my utilization is about 15%. And I am never late. Having said all that, the rewards are great (especially the 5% bonus). I seldom call their customer service line so I cannot comment too much on that aspect. I think I will be using this card almost exclusively since I will earn more rewards with this alone than all my other cards.
Credit Score:
789
Credit Limit:
16000
Age:
25-34
Posted 01/26 2016
I applied for this card and got approved for $16k in CL. Score was about 789 at the time of application. I got the card mainly for the $200 sign up bonus that was available at that time. What I really like about the card is the 5% rewards on gas, restaurants and amazon.com. During the spring, I did some work in the garden. I got my supplies at the Home Depot and used the card since "home improvement stores" was the the 5% bucket. If you intend to get this card, try to apply for it when there is a sign up bonus.
Credit Score:
783
Credit Limit:
12500
Age:
45-54
Posted 01/12 2016
Many years ago, I had the old Chase Visa Platinum. When they retired the card, my card was changed to the Freedom and it was actually a great thing. The old card had no rewards whereas this one is full of it. I do like the 5% rewards. The amazon.com is really great during the holiday season. I also used the travel rewards once during the summer and the 5% gas is also great. Everything else is 1%. Every month, I earn about $40 to $60 in cash back just from using the card on things that I would spend on anyway. I pay my bills in full and never have had any problems with Chase. I would recommend this card any time.
Credit Score:
713
Credit Limit:
3000
Age:
25-34
Posted 12/17 2015
I applied for this card along with the Discover. I got a CL of $3k for this and $5k for the Discover. Why the difference? I do not know. What I like about both is the 5% quarterly rewards. Both they both have it, the categories tend to be different. Hence, I find that I am able to earn more cash back by having both these cards. One of the items I really like is the 5% gas rewards. Both cards have it and sometimes, they have it during different quarters. That means that I get 5% cash back on gas for six months rather than just three months. I also like the rewards during the fourth quarter. Chase gives you 5% rewards if you shop at amazon and some other places as well. Discover has something similar for online shopping. If you have both cards, you can really earn a lot of cash back.
Credit Score:
768
Credit Limit:
12000
Age:
45-54
Posted 09/04 2015
Prior to this card, I had the Chase Sapphire Preferred. I use that as my primary card and like to transfer points into miles. Got the Chase Freedom so that I can earn more points with the 5% categories. My UR accounts are combined so these 2 cards make a great combo for myself. My CL is $12k and my Sapphire has a $15k line. So in total, my lines with Chase is quite substantial.
Credit Score:
746
Credit Limit:
7000
Age:
25-34
Posted 03/19 2015
After amassing about $400 in cash back (or points), I browsed the reward catalog and decided to get an XBox. Once I "ordered" it using points, I was told to pick it up at the nearest Best Buy. I love the card and the rewards and I look forward to redeeming points for my next gadget!
Credit Score:
803
Credit Limit:
15000
Age:
45-54
Posted 02/27 2015
Prior to this card, I had the Sapphire Preferred. I applied to that when they had a great sign up bonus. But I dread paying the annual fee and the points to miles transfer game is simply too much of a hassle to me. So I got this card and managed to persuade Chase to combine both my credit lines (which is great since I have a $15k line now). So no annual fee and 5% categories of stuff the Sapphire Preferred did not have.
Credit Score:
773
Credit Limit:
10500
Age:
45-54
Posted 01/22 2015
I used to carry the class Amex Green for the longest time. In the past, I used the points to transferred to miles. I stopped flying for about 6 years and recently decided that I should not be paying for the annual fee. I settled on this card and have no regrets. I got a 10k CL which is OK by me though in the past, I have charged more than that at a go with my Amex (which is a charge card and has no limits).
Credit Score:
747
Credit Limit:
4500
Age:
45-54
Posted 01/08 2015
To be honest, I was influenced by the ads I saw on TV about this card. To be honest, I am quite surprised that my credit line was that low considering that I have a good score. The 5% cash back during the 4th quarter each year are great as I save a lot of money on my holiday shopping.
Credit Score:
789
Credit Limit:
12000
Age:
45-54
Posted 10/22 2014
Got a nice CL and this has become my go to card. I end up charging may 3k a month and pay in full when the bill comes. This is great card. Rewards are good and customer service is great as well.
Credit Score:
637
Credit Limit:
1200
Age:
18-24
Posted 08/09 2014
Got mid 600s scores on all 3 bureaus and was approved for $1,200 CL. Love the 5% categories. Earns me decent cash back every month.
Credit Score:
805
Credit Limit:
10000
Age:
55-64
Posted 07/08 2014
I've been a frequent flyer for as long as I can remember. I got this card to complement my Sapphire Preferred after switching out of Amex. To be honest, I expected a higher CL considering the age of my history and the fact that I PIF. The rewards account is combined with my Sapphire Preferred and I earn more points this way (using 2 chase cards and combining the rewards account). Points area mainly transferred to UA and SouthWest.
Credit Score:
775
Credit Limit:
7000
Age:
35-44
Posted 06/24 2014
For me, this is a great card for everyday use. I was really attracted to the 5% categories. I spend about $2000 a month on the card and PIF. The CL I got is enough for me.
Credit Score:
690
Credit Limit:
1000
Age:
35-44
Posted 04/30 2014
Despite my small CL, I still love using this card for the 5% rewards. I have earned 5% from Lowes in the spring and 5% at amazon in the winter category and 5% on gas whenever they have that. But I always PIF since my APR is 19.99%!
Credit Score:
708
Credit Limit:
1500
Age:
18-24
Posted 03/09 2014
I have just graduated and earning about 30k a year. I got a Discover student card in my junior year (which means my credit history is about 2 years or so). Got approved for $1,500 in CL with a 18.99% APR. I intend to PIF every month and gradually build up my credit history.
Credit Score:
718
Credit Limit:
3000
Age:
25-34
Posted 01/15 2014
I have about 5 years of credit history with a Cap One Student card. Applied and got approved instantly with a $3000 CL. My scores with all 3 bureaus are in the low 700s.
Credit Score:
670
Credit Limit:
1000
Age:
18-24
Posted 10/09 2013
I really did not have any credit history. Applied online for the card and was approved for $1000 in CL. Given how many here and other forums have said approval for those with 1 or 2 year history was really difficult, this really came as a pleasant surprise. I hope to get CL increases in 6 months to 1 year.
Credit Score:
780
Credit Limit:
8000
Age:
45-54
Posted 06/29 2013
Prior to this, my main card was the Amex Blue Cash Everyday. After reading some advice from this site, I decided to add a rotating category card to use with the Amex. I chose this over Discover. Given my score, I got a very good credit line and am happy with it. I think the APR was not the lowest (probably mid teens). But since I PIF, I do not really care about it.
Credit Score:
712
Credit Limit:
5000
Age:
35-44
Posted 05/08 2013
Before this card, I got the Chase Sapphire (not the preferred version but the regular one). What I liked about that was I could earn double points on dining. Then after some research, I realized that I could get the Chase Freedom and use it for other things that earned more than 1% rewards. In that sense, the 5% categories are simply great. I was also able to combine the rewards account into one so using the Freedom and the Sapphire is actually a fantastic combo.
Credit Score:
735
Credit Limit:
5000
Age:
35-44
Posted 04/28 2013
had a TU score of 735. Applied for the card and got instantly approved for a $7500 credit line.
Credit Score:
683
Credit Limit:
4000
Age:
25-34
Posted 03/30 2013
Had about 5 years of history. Applied online and got approve immediately. But my line was only $500. So I called CS, who put me on hold for a couple of minutes. I think I got another hard pull, but got an increase of $4k.
.jpg)
.jpg)
.jpg)
