Chase Freedom Student Review: Start Earning Ultimate Rewards in College

On June 9, Chase launched a new student credit card called the Chase Freedom Student. The new card is ideal for college students with no credit history that want to build a relationship with Chase. It seems like the card is only available in-branch at this time. Learn more about other student credit cards in this post.

 Chase Freedom Student

  • Annual fee: $0

  • Welcome offer: $50 for 1 transaction within the first 3 months of account opening

  • Good Standing Reward: $20 ( 2,000 UR points) every card anniversary date

    • the reward is for up to 5 years

    • requirement = card in good standing

  • Earn 1x on all purchases

    • Does NOT have 5x rotating categories

Card Eligibility

  • Must be 18 or older to qualify for the card

  • Need to be a student

How to Apply for the Chase Freedom Student

To apply for the Chase Freedom Student credit card, you’ll have to visit a local Chase branch. It seems like Chase is prioritizing building rapport with their customers, so the card is available in-branch only for now.

Other Card Benefits

The Chase Freedom Student card will grant automatic credit limit increases after 5 on-time payments within the first 10 months.

After you graduate from school, you can still keep the card, even as a non-student.

Although the welcome offer is advertised as $50, the Chase Freedom Student card earns Chase Ultimate Rewards. This is great since you can start accumulating points early and redeem the UR points when you’re ready to travel.

Chase Ultimate Rewards do not expire as long as you have a UR point earning card open. There’s no minimum to redeem points for cash back.


There are a few questions about the card that are unanswered:

  • Does the Chase Freedom Student expedite the path to a regular Chase Freedom or Chase Freedom Unlimited card?

  • Does the Chase Freedom Student “count” as an entry-level Chase card?

  • Will students have to keep the Chase Freedom Student for at least 12 months before applying for a higher tier Chase card?

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

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