Chase Freedom Student
No annual fee · $20/yr in printed statement credits · 1% on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Everything else | 1% | uncapped |
Statement credits — $20/yr on paper
| Credit | Value | How it pays |
|---|---|---|
| Good-standing anniversary bonus | $20/year | annual · resets on your card anniversary |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Chase Credit Journey free credit score
- Standard Chase purchase/travel protections (specific limits unconfirmed for this discontinued product)
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
More from Chase
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: creditcards.chase.com · creditcards.chase.com. This card is closed to new applicants. Spot an error? Tell us.