Chase Freedom® Student Credit Card review
Great for students interested in building their credit and earning rewards.
- Get this card if you want a student credit card with valuable rewards.
- Pick something else if you want higher reward rates.
- Apply if you’re new to credit or with a good to an excellent credit score of 670 or higher.
Up to 1%
Purchase APR (variable)
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Chase’s student version of its popular Chase Freedom Flex℠ card, is appropriately named the Chase Freedom® Student Credit Card. Designed to help college students start building their credit, this card also grants access to the Chase Ultimate Rewards program — a strong incentive given the value of Chase’s loyalty program.
However, there are a few major differences from the standard Chase Freedom Flex℠ card, including a downgrade from the existing card’s earning categories.
How to apply for the Chase Freedom® Student Credit Card
Since this is a student card, you’ll need either zero credit history or a good to an excellent credit score of 670 or higher to qualify. To apply for the card, you must be at least 18 years old, a student and a resident of the US. Here’s how to get the card:
- Learn more about how to apply for Chase Freedom® Student Credit Card.
- Complete the application with details such as your full name, date of birth, contact information, Social Security number and total annual income.
- Review your information and submit your application.
You can still use this card after you finish school. Your terms and benefits will remain the same, even if you leave school or graduate.
Chase Freedom® Student Credit Card benefits
- No annual fee. You won’t need to pay an annual fee to use this card.
- Cashback rewards. This card earns an unlimited 1% cashback on all purchases. You can also earn a $50 cashback bonus after making a purchase within the first 3 months of opening your account. Chase offers a wide variety of redemption options for their Ultimate Rewards points. Check out our full redemption guide for more information.
- Signup bonus. Earn a $50 bonus after your first purchase within the first 3 months from account opening.
- Annual reward. Earn a $20 reward for each account anniversay year for your first five years.
- Credit limit increase. Chase will grant an automatic credit limit increase after you make five on-time payments within 10 months of account opening.
Chase Freedom® Student Credit Card drawbacks
- Fewer earning categories. Despite the name, the Chase Freedom® Student Credit Card doesn’t offer the revolving 5% earning categories offered by the standard Chase Freedom Flex℠.
- Student only. As the name suggests, you need to be a student to apply for this card.
Compare student credit cards
If this card isn’t right for you, check out other student credit cards out there. Many offer great opportunities for building credit and earning rewards.
Chase’s student credit card field is a respectable one, as the opportunity to start building Chase Ultimate Rewards points is valuable if you plan on sticking with Chase long-term.
That said, there are other great student cards out there, several with better reward opportunities. Review your student credit card options to find one that best suits your preferences.