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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.
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$50

Welcome offer

Up to 1%

Cash back

$0

Annual fee

14.99%

Purchase APR (variable)

Details

Annual fee$0
Welcome offer$50 after making a purchase in the first 3 months
Rewards4% cashback on Lyft and 1% cash back on all other purchases
Purchase APR14.99% variable
Balance transfer APR14.99% variable
Minimum Credit Score670
IssuerVisa

Review by


Steven Dashiell is a writer at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.

Expert review

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:

    1. Learn more about how to apply for Chase Freedom® Student Credit Card.
    2. Complete the application with details such as your full name, date of birth, contact information, Social Security number and total annual income.
    3. 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.

Name Product Filter values Minimum deposit required Purchase APR Annual fee Minimum Credit Score
Journey Student Rewards from Capital One
N/A
26.99% variable
$0
580
Earn 1% cash back on all purchases or get 1.25% cash back for months you pay on time.
Capital One Quicksilver Student Cash Rewards Credit Card
N/A
26.99% variable
$0
New to credit
A student credit card with a solid 1.5% unlimited cashback rate.
Deserve® Edu Card
N/A
18.74% variable
$0
580
Designed for college students to build credit history and earn rewards.
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Compare up to 4 providers

Bottom line

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.

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