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 | 25.24 Min. of (6.75+18.49) and 29.99% variable APR. |
About this card
The Chase Freedom Rise Credit Card earns a 'Good' overall rating of 3.7 out of 5.0, establishing itself as a strong contender for individuals new to credit or those looking to build their credit history. Its primary strengths lie in its excellent fee structure, featuring a $0 annual fee, and a competitive flat-rate rewards program offering 1.5% cash back on all purchases, which is notably generous for a starter card. The card benefits significantly from Chase's robust reputation and trustworthiness, providing cardholders with a clear pathway to establishing credit and eventually upgrading to more premium Chase products like the Freedom Unlimited. Additionally, the inclusion of valuable purchase and travel protections, often not found in cards for this credit tier, further enhances its appeal. However, the card is held back by its significant drawback: a very high regular APR ranging from 25.24% to 29.99% with no introductory APR period. This makes carrying a balance extremely costly and can undermine the goal of credit building if not managed carefully. The sign-up bonus is also quite modest at just $25, which is less competitive than many other entry-level cards. While foreign transaction fees are a common feature for starter cards, they are still a limitation for international travelers. Ultimately, the Chase Freedom Rise is exceptionally well-suited for its target audience of credit builders and students, offering substantial long-term value through its no annual fee, decent rewards, and the opportunity to grow within the Chase ecosystem. Its positive reputation and strong issuer backing provide confidence. The high APR demands responsible usage, emphasizing the importance of paying balances in full to avoid significant interest charges. For a disciplined cardholder, this card is a solid foundation for credit growth.
Pros & Cons
What's great
- No annual fee
- Cashback on purchases
- Sign-up bonus
- Low credit score requirement
- Opportunity for credit line increases and card upgrade
- Purchase and travel protections
Things to consider
- High regular APR
- No intro APR period
- Foreign transaction fees apply
What this card offers
Sign-up bonuses
- $25 Statement Credit After You Set Up Automatic Payments In The First 3 Months From Account Opening
- Earn a $25 statement credit when you sign up for automatic payments within the first three months of opening your account and remain enrolled for at least 90 days.
Rewards
- 1.5% cash back on all purchases
- You’ll earn 2% cash back total on qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027.
Other features
- Cash Back rewards do not expire as long as your account is open. And there is no minimum to redeem for cash back.
- Turn good financial habits into a card upgrade
- 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.
- Keep tabs on your credit score for free
- As a Freedom Rise cardmember, you'll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise Card.
- 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 help safeguard your credit card purchases using sophisticated 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. You're not responsible for any unauthorized charges and locking your card will not affect automatic payments.
- Redeem your Cash Back rewards There is no minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
- Shop with points at Amazon Link your Chase Freedom Rise credit card to your Amazon.com account and instantly redeem your Cash Back rewards to pay for all or part of your eligible Amazon.com orders at checkout, including tax and shipping.
- When using points at checkout, each point is worth $0.008, which means that 100 points equals $0.80 in redemption value.
- Chase Offers Eligible Chase credit card customers are targeted with cash back offers in the Chase Mobile app or on chase.com. Customers can activate an offer on a card, shop at the merchant with the same card and receive a statement credit within 30 days.
- The best of your neighborhood. $0 delivery fee. Get 6 months of complimentary access to DashPass– a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders. Activate by Dec 31, 2027.
- Plus, 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, like Apple Pay, Google Pay or Samsung Pay. Find out how at chase.com/digital/spend-instantly
- Refer Friends if you already have a Chase Freedom Rise Card! Earn up to $250 cash back per year. You can earn $25 cash back for each friend who gets a Freedom Rise credit card.
Additional Notes
Best for: New to Credit and Students. Having at least $250 in Chase checking or savings accounts increases your chances of being approved. 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