The Chase Freedom Student is built for students who want a first credit card from a major issuer and a simple path into the Chase ecosystem. It works best as a starter everyday card, not as a high-earning rewards card, with its value coming more from low cost, credit-building potential, and a few beginner-friendly perks than from its ongoing earn rate.
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Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
First credit card use
Everyday campus spending
DoorDash and Lyft use
This card is worth a look if you're a student who wants a no-annual-fee card that is easy to understand and comes from an issuer many people hope to keep long term. The annual 2,000-point good-standing bonus for the first five years adds real value for a starter card, and the Chase travel and purchase protections are stronger than what you often see on entry-level products.
Where it falls short is rewards. Outside of Lyft, you are mostly earning 1x points, so this is not the card to maximize everyday spending once you have other options. It makes the most sense for students who care more about building credit, keeping costs low, and getting a few useful protections along the way. If your goal is pure cash back or stronger bonus categories, you'll likely outgrow it.
A solid first card for students who want to build credit with Chase and pick up a few useful protections without paying an annual fee. Its main limitation is simple: the ongoing rewards are modest, so many cardholders will eventually want a stronger everyday card.
Welcome Offer
after you spend $50 on purchases on your new card in your first 1 months of card membership.
Est. Value
$62.50
Required Spend
$50
Time Frame
1 Month
Est. Value
$62.50
Required Spend
$50
Time Frame
1 Month
Earning
This card keeps rewards simple. You will earn Chase Ultimate Rewards points on every purchase, but the real story here is basic everyday earning plus a temporary boost on Lyft, not a category-heavy rewards setup.
Lyft
Everywhere
Rewards percent based on a valuation of 1.25¢ per Ultimate Rewards point
Annual Credits & Perks
The practical value here comes from a few recurring extras, especially the anniversary good-standing bonus and DoorDash savings if you already use the service. These benefits can add meaningful value on a no-annual-fee student card, but only if they match your habits.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
$20 Good Standing RewardsBenefits
Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
Auto Rental Collision Damage Waiver
Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.
Extended Warranty Protection
Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
Roadside Assistance
If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at the time of dispatch.
Travel and Emergency Assistance
If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained).
Benefits
Complimentary DashPass Membership
Get a complimentary DashPass membership on DoorDash and Caviar. DashPass provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders.
Eligibility
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$0
Purchase APR
19.99%
Variable
Transfer APR
19.99%
Variable
Cash Advance APR
29.99%
Variable
Foreign Transaction Fee
$0.03
Balance Transfer
$5
Cash Advance
$10
Late Payment
$40
Return Payment
$40
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn 200,000 bonus points
Worth $2,500
After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
Annual Fee
$795
Rec. Credit
Good
Earn 100,000 bonus points
Worth $1,250
After you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Rec. Credit
Good
Earn 100,000 bonus points
Worth $1,250
After you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$795
Rec. Credit
Excellent
