Chase Freedom (Legacy)
No annual fee, earning Chase Ultimate Rewards Points, on the Visa network.
Card terms last verified against issuer pages on 2026-09-20.
The Chase Freedom (Legacy) is a no annual fee card from Chase earning Chase Ultimate Rewards Points. It earns 5x on gas, 5x on transit, 5x on ev charging and 1x on everything else. We have no recurring statement credits on file for this card.
What it earns
Rates are the multipliers Chase advertises. We do not convert them into a percentage return, because that requires putting a price on Chase Ultimate Rewards Points and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Gas | 5x | |
| Transit | 5x | |
| EV Charging | 5x | |
| Entertainment | 5x | |
| Travel (ChaseTravel) | 5x | |
| Other | 1x | Everything else |
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| Extended Warranty ProtectionExtends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less. | Once a year | — |
| Purchase ProtectionCoverage for eligible purchases against damage or theft for 120 days from purchase date, up to $500 per claim and $50,000 per account per year. | Once a year | — |
Questions people ask about the Chase Freedom (Legacy)
What is the annual fee on the Chase Freedom (Legacy)?
The Chase Freedom (Legacy) has no annual fee.
What does the Chase Freedom (Legacy) earn?
5x on gas, 5x on transit, 5x on ev charging, 5x on entertainment, and 1x on everything else, in Chase Ultimate Rewards Points.
Does the Chase Freedom (Legacy) charge foreign transaction fees?
Yes — the Chase Freedom (Legacy) charges a foreign transaction fee on purchases made outside the United States.
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