Freedom (Legacy) rewards & benefits.

Chase · credit · No annual fee · <p>5X on rotating categories up to $1,500 each quarter. <a href="https://www.uponarriving.com/chase-freedom-calendar/">Learn more!</a></p> <p>5X on Lyft till March 2025</p>. Here's what it earns, what it costs, and whether it's worth it.

Rewards by category

effective cash-back rate
·
Dining
2%
·
Groceries
2%
·
Gas
2%
·
Travel
2%
·
Online shopping
2%
·
Entertainment
2%
·
Transit
2%
·
Everything else
2%
·
Annual fee
$0
·
Welcome bonus
No current welcome bonus

Credits

·
Instacart
$40

Perks

Is the Freedom (Legacy) worth it?

On a typical US spending profile, the Freedom (Legacy) projects to about $888 in annual rewards with no annual fee to offset. Your real number depends on where you actually spend — and on catching the credits and bonuses most people forget. WalletFlo tracks all of it automatically.

Common questions

What credit score do I need for the Freedom (Legacy)?

A good-to-excellent credit score is generally recommended. Approval also depends on income, existing accounts, and issuer rules.

Is the Freedom (Legacy)'s annual fee worth it?

This card has no annual fee.

See what your real wallet is actually earning — and what you're leaving on the table.

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