Chase
Chase Freedom Rise® Credit Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | $25 Statement Credit |
| Rewards Rate | 1.5% Cash Back |
| Regular APR | 18.24Min. of (6.75+11.49) and 29.99%–27.74Min. of (6.75+20.99) and 29.99% variable APR. |
About this card
The Chase Freedom Rise® Credit Card earns a 'Good' overall rating of 3.2. This card is exceptionally well-suited for its primary target audience: individuals new to credit or those with fair credit seeking to establish or rebuild their financial history with a reputable issuer. Its most significant strengths lie in its $0 annual fee, which is a major advantage for a credit-building product, and the robust backing of Chase, providing strong brand strength and a clear pathway for card upgrades (e.g., to Chase Freedom Unlimited) and credit line increases over time. The reputation of the card and issuer is excellent (rated 4.7), instilling confidence and trust. The card offers a respectable 1.5% flat-rate cash back on all purchases, enhanced by an appealing introductory offer of 3% cash back on dining for the first six months. These decent rewards, coupled with excellent and flexible redemption options, add tangible value without an annual cost. Furthermore, the card includes valuable protections like Purchase Protection, Extended Warranty, and Trip Cancellation Insurance, which are uncommon for a starter card. However, the card's most notable drawback, significantly impacting its overall score, is its very high variable APR (ranging from 18.24% to 27.74%) with no introductory APR period. This necessitates diligent financial management, as carrying a balance will quickly negate any rewards earned. Additionally, the sign-up bonus of $25 is quite modest compared to other market offerings, even for a starter card, and foreign transaction fees apply. While the high APR is a considerable negative, it is somewhat offset by the card's strong positives, particularly its no annual fee, valuable credit-building features, and the reliability of the Chase brand. For responsible users who consistently pay their balance in full each month, the Chase Freedom Rise® is a solid choice for establishing credit and earning modest, yet valuable, rewards, providing a reliable entry point into the Chase ecosystem.
Pros & Cons
What's great
- No annual fee
- Cashback on purchases
- Low credit score requirement
- Travel and purchase protections
- Dining/delivery perks
- Pathway to premium cards
Things to consider
- High regular APR
- No intro APR period
- Limited rewards categories
- Foreign transaction fees apply
- No sign-up bonus
What this card offers
Sign-up bonuses
- $25 for enrolling in automatic payments
- $25 Statement Credit After You Set Up Automatic Payments In The First 3 Months From Account Opening: You will qualify for and receive your $25 statement credit if you set up automatic payments during the first 3 months from account opening and remain enrolled for at least 90 consecutive days.
Rewards
- 1.5% cash back on all purchases
- 2% cash back total on qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027
Other features
- Best for: New to Credit and Students
- Having at least $250 in Chase checking or savings accounts increases your chances of being approved.
- Cash Back rewards do not expire as long as your account is open. And there is no minimum to redeem for cash back.
- You will be automatically evaluated each year to upgrade to your first Chase Freedom Unlimited card when:
- Your Freedom Rise account is open, and you've made a purchase on your Rise card in the past 12 months
- You've made all payments on time to all financial lenders in the past 12 months, and none of your Chase accounts are suspended.
- As a Freedom Rise cardmember, you'll be evaluated for a credit line increase in as soon as 6 months.
- Zero Liability Protection — Means you won't be held responsible for unauthorized charges made with your card or account information.
- Purchase Protection — Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- 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.
- Trip Cancellation and Interruption Insurance — You can be reimbursed up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.
- 24/7 Fraud Monitoring — We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
- Lock/Unlock Feature — Quickly lock or unlock your credit card right from the Chase Mobile app or Chase.com to instantly block new purchases, cash advances and balance transfers.
- Keep tabs on your credit score for free — Chase Credit Journey provides free access to educational resources, credit score tracking, and identity monitoring.
- Redeem your Cash Back rewards — There is no minimum to redeem for cash back. You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points.
- Shop with points at Amazon — Link your Chase Freedom Rise credit card to your Amazon.com account and instantly redeem your Cash Back rewards at checkout.
- The best of your neighborhood. $0 delivery fee. Get 6 months of complimentary access to DashPass — Activate by Dec 31, 2027.
- DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
- Apply for a card, use it the same day — Receive instant access to your card by adding it to a digital wallet.
- Refer Friends — Earn up to $250 cash back per year; earn $25 cash back for each friend who gets a Freedom Rise credit card.
Additional Notes
Please note: you may need to provide additional verification documents after applying, such as a U.S.- issued driver's license and Social Security Card