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Update: The offer mentioned below for the Chase Freedom is no longer available. View the current offer here

I’ve had the Chase Freedom card for years now and it becomes even more powerful when combined with the Chase Sapphire Preferred and/or Ink Plus and Bold cards. The card offers rotating quarterly bonuses that allow you to earn 5 points per dollar in certain categories, up to $1,500 per quarter. So if you maximize each 5x quarter, you can bank 30,000 valuable Ultimate Rewards points per year on $6,000 in spend.  I value Ultimate Rewards points at about 2 cents a piece.
Chase Freedom 5x

The standard sign-up bonus on the Freedom card is $100 (10,000 points) when you spend $500 within the first three months of card membership. I’ve written in the past how Chase often offers more lucrative bonuses when you apply for a card within the branch and TPG reader Bill tipped me off that they are currently offering $200 (20,000 points) with $500 spent within 3 months- twice as lucrative.

I just walked into my local Chase branch in NYC and talked to a banker who confirmed that there is a special promotion currently being offered for $200- but it isn’t listed on the laminated card on the banker’s desk- so you have to ask for it. 

Locate the closest Chase branch near you

I also noticed that they are still offering 50,000 miles on the United Explorer card when you spend $2,000 within three months with the $95 annual fee waived the first year.

50,000 miles for the United Explorer card- better than the standard 30,000
50,000 miles for the United Explorer card- better than the standard 30,000

And the United Club card with no sign-up bonus (which is normal), but the $395 waived the first year.

$395 annual fee waived the first year on the United Club card
$395 annual fee waived the first year on the United Club card

I’ve written about lucrative in-branch offers in the past, but I’m happy to report they still seem alive and strong. Feel free to share any other top offers you’ve received for inquiring at the branch. If you’ve signed up for one of these cards recently with a lower sign-up bonus, you can always call Chase or send a secure message via to see if you’re eligible for the better bonus- never hurts to ask!

Chase Freedom®

It's a stellar Cash Back card on its own, but when paired with the Chase Sapphire Reserve or Chase Sapphire Preferred, the Freedom's 5x Category Bonuses let you rack up Chase Ultimate Rewards Points, transferrable to partners or redeemable via the portal.

Apply Now
More Things to Know
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Unlimited 1% cash back on all other purchases — it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.49-24.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Enjoy new 5% categories every 3 months
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Intro APR on Purchases
0% for 15 months
Regular APR
15.49% - 24.24% Variable
Annual Fee
Balance Transfer Fee
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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