Chase Freedom Student credit card review 2021 |
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Chase Freedom® Student credit card review

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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.
The information about Chase Freedom® Student credit card has been collected independently by Finder and has not been reviewed or provided by the issuer.


Welcome offer

Up to 1%

Cash back


Annual fee


Purchase APR (variable)


Annual fee$0
Welcome OfferEarn cash back while building credit for your future. Special $50 In-Branch Offer!
Rewards1% cash back on all purchases
Purchase APR14.99% variable
Balance transfer APR14.99% variable
Recommended minimum credit score670

Expert review

Steven Dashiell

Review by

Steven Dashiell is a credit cards writer at Finder. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on, and Lifehacker.

Expert review

Chase has introduced a student version of its popular Chase Freedom Flex℠ card, 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

Currently, the only way to apply for the Chase Freedom® Student credit card is in-person at your local Chase bank. Information on rates and fees however is available on Chase’s website.

What credit score do I need?

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.

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 when you apply at your local branch.
  • 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.

What to watch out for

  • 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.
  • In-branch offer only. You’ll need to apply for the Chase Freedom® Student credit card from your local Chase branch.

Compare student credit cards

Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
Deserve® Edu Card
18.74% variable
Designed for college students to build credit history and earn rewards.
Citi® Secured Mastercard®
Starting at $200
22.49% variable
New to credit
A no annual fee secured card for people who are new to credit or have limited credit history.
Petal® 1
19.99% to 29.49% variable
A high-limit no-annual-fee credit card that's ideal for rebuilding scores as low as 550. See if you prequalify with no impact to your credit.

Compare up to 4 providers

Bottom line

Chase’s first foray into the 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.

Frequently asked questions

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