Chase Freedom Rise℠

Quick Snapshot

• Annual Fee: $0
• APR: 25.49%–29.99% variable
• Rewards: 1.5% unlimited cash back
• Bonus: $25 autopay statement credit
• Best For: Credit building, first-time cardholders, young adults
• Credit Needed: Limited / Fair (580–670)

Overview

The Chase Freedom Rise℠ is a credit building card designed for those new to credit or rebuilding their credit history. With no annual fee, 1.5% cash back on all purchases, and a unique $25 autopay bonus, this card helps you establish credit while earning rewards. After one year of responsible use, you're automatically considered for an upgrade to the Chase Freedom Unlimited®, making it an excellent stepping stone into the Chase ecosystem.

Built specifically for credit builders, this card offers features that encourage responsible credit habits—like autopay incentives and free credit score monitoring—while still providing competitive rewards and purchase protections typically reserved for premium cards.

APR Breakdown

• Purchase APR: 25.49%–29.99% variable
• Balance Transfer APR: 25.49%–29.99% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: None

Note: High APR — best to avoid carrying a balance. This is typical for credit-building cards.

Benefits Overview

Travel Benefits

• Trip cancellation/interruption insurance (up to $1,500 per traveler)
• Travel accident insurance
• Auto rental collision damage waiver
• Emergency card replacement worldwide

Everyday Benefits

• Purchase protection (120 days, up to $500 per claim)
• Extended warranty protection (adds 1 year to warranties of 3 years or less)
• Free Chase Credit Journey (credit score monitoring and insights)
• 24/7 fraud monitoring with zero liability protection
• Card lock/unlock feature via Chase Mobile app

Lifestyle Benefits

• 6 months complimentary DashPass membership
• Quarterly DoorDash discounts (up to $10 off non-restaurant orders)
• 2% cash back on Lyft rides through September 30, 2027
• Access to Chase Ultimate Rewards portal

Rewards & Cash Back

• 1.5% cash back on all eligible purchases (no caps or limits)
• 2% cash back on Lyft rides through September 30, 2027
• No minimum redemption threshold — redeem anytime
• Rewards never expire as long as your account is open
• Redemption options: Statement credit, direct deposit, Chase Pay, Amazon purchases, gift cards, or travel

Simple and straightforward: no rotating categories, no activation required, no tracking needed.

Welcome Bonus

Earn a $25 statement credit when you enroll in automatic payments within the first 3 months from account opening and remain enrolled for at least 90 consecutive days.

While modest, this bonus encourages the single most important credit-building habit: on-time payments.

Fees Summary

• Annual Fee: $0
• Foreign Transaction Fee: 3%
• Balance Transfer Fee: Either $5 or 5% of the amount transferred, whichever is greater
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• First-time credit cardholders looking to establish credit history
• Students and young adults starting their financial journey
• Credit rebuilders who need a second chance
• Anyone wanting simple rewards while building credit
• Future Chase ecosystem members planning to upgrade to premium cards

Not Good For

• Frequent travelers abroad (3% foreign transaction fee)
• Balance carriers (high APR makes carrying balances expensive)
• Premium rewards seekers (1.5% is modest compared to category cards)
• Those needing intro 0% APR (no promotional APR offer)

Key Pros & Cons

Pros

• No annual fee makes it accessible for credit builders
• Earn 1.5% cash back on all purchases while establishing credit
• $25 autopay bonus encourages responsible payment habits
• Automatic upgrade consideration to Chase Freedom Unlimited® after one year
• No minimum redemption threshold for cash back
• Robust purchase protections (unusual for a credit-building card)
• 6 months DashPass and quarterly DoorDash discounts
• Free credit score monitoring via Chase Credit Journey
• Reports to all three major credit bureaus

Cons

• Higher APR (25.49%–29.99%) typical of credit-building cards
• Lower 1.5% cash back rate compared to premium cards
• No intro 0% APR offer on purchases or balance transfers
• 3% foreign transaction fee limits international use
• $25 welcome bonus is smaller than other Chase cards
• Upgrade path limited to Chase Freedom Unlimited® only

Alternatives to Consider

Card	Best For	Annual Fee	Rewards	Credit Needed
Discover it® Student Cash Back	Students wanting rotating 5% categories	$0	5% rotating + 1%	Limited/Fair
Capital One QuicksilverOne	Simple rewards with easier approval	$39	1.5% unlimited	Fair/Average
Chase Freedom Unlimited®	Better rewards (if you qualify)	$0	3%–1.5% tiered	Good+
Petal® 2 "Cash Back, No Fees" Visa®	No credit score required	$0	1%–1.5%	No credit history OK

How the Rewards Add Up

Example Annual Value

If you spend $12,000 per year on typical expenses:

Category	Annual Spend	Reward Rate	Earned Value
All purchases	$11,400	1.5%	$171
Lyft rides	$600	2%	$12
Autopay bonus	—	—	$25

Total Estimated Yearly Value: $208

Compare this to carrying no credit card (0% rewards) or a secured card (typically 0–1% rewards), and the Chase Freedom Rise offers meaningful value while building credit.

Should You Get This Card?

You Should Get It If…

• You're new to credit and need to establish credit history
• You want to earn rewards while building credit (many starter cards offer none)
• You plan to join the Chase ecosystem and upgrade to premium cards later
• You're willing to set up autopay to maximize the $25 bonus
• You value robust purchase protections even on a starter card
• You want free credit score monitoring and educational tools

You Should Skip It If…

• You already have good credit (670+) and qualify for better rewards cards
• You frequently travel internationally (3% foreign fee is a dealbreaker)
• You plan to carry balances month-to-month (25–30% APR is expensive)
• You need a 0% intro APR for a large purchase or balance transfer
• You're specifically looking for maximum cash back (not maximum credit-building)

Credit Building Features

The Chase Freedom Rise℠ is specifically designed to help you build credit:

• Reports to all three major credit bureaus (Equifax, Experian, TransUnion)
• Automatic upgrade consideration after one year of responsible use
• Demonstrates credit progress by upgrading you to Chase Freedom Unlimited®
• Free Chase Credit Journey access for credit score monitoring and insights
• Educational resources to help improve credit knowledge and habits
• Encourages on-time payments with $25 autopay bonus incentive

Apply Now

Apply for Chase Freedom Rise℠

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Information accurate as of December 2025. Terms and conditions apply. Please visit the issuer's website for the most current information.