Freedom Rise®: Cashback Rewards for Building Credit
Earn 1.5% cashback on every purchase while building your credit history with no annual fee.
The Bottom Line
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BIG4CREDIT RANKING
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fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
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The Chase Freedom Rise® Credit Card is a beginner-friendly starter card designed for people new to credit or looking to build their credit history. It offers 1.5% cashback on all purchases, no annual fee, and the opportunity to improve approval odds by pairing the application with a qualifying Chase checking or savings account. The card works well for students and first-time cardholders because it keeps rewards straightforward while providing access to the broader Chase ecosystem and the potential to upgrade to stronger Chase cards later. The downside is that the rewards rate and benefits are relatively basic compared to more established cashback cards, and experienced cardholders will likely outgrow it quickly. Overall, this card is best for beginners seeking an easy path to building credit with simple rewards and no annual fee.
Freedom Rise®
Apply now
On Chase's Secure Website
Annual fee:
$0
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
25.24% Variable APR
Credit Score
New To Credit
Rewards Earn unlimited 1.5% cashback on all purchases.
1.5% Cashback
Welcome Offer Get a $25 statement credit when you enroll in automatic payments in the first three months.
$25
Improve Your Approval Chances: If you’ve never had a credit card, keeping at least $250 in a Chase checking or savings account before you apply can help you get approved for the Chase Freedom Rise® card.
Welcome Offer
- $25 for Enrolling in Autopay: Get a $25 statement credit when you enroll in automatic payments in the first three months.
Rewards
- 1.5% Cashback on all purchases.
Redemption Options
- Flexible Redemption: Redeem cashback as a statement credit or direct deposit with no minimums, or use it for travel, gift cards, and purchases at Amazon.com. Cash rewards do not expire.
Fees and APR
- Annual Fee: $0.
- Regular APR: 25.24% Variable APR.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
Travel Protections
- Trip Cancellation & Interruption Insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.
- Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary and provides reimbursement up to $60,000.
Travel & Emergency Assistance
- Roadside Assistance: Get help with towing, battery jump-starts, tire changes, locksmith services, or fuel delivery, up to $50 per incident, up to 4 times per year.
- Travel & Emergency Assistance: Access to emergency referral and coordination services while traveling (service referrals only; costs not covered).
Purchase Protections
- Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
- Extended Warranty: Extends warranty coverage by one additional year on original eligible warranties of three years or less, up to $10,000 per claim and $50,000 per account.
Lifestyle Perks
- DoorDash DashPass Membership: Enjoy 6 months of complimentary DashPass for DoorDash and Caviar, with $0 delivery fees and reduced service fees on eligible orders. Activate by December 31, 2027; enrollment auto-renews at the standard rate.
- Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through December 31, 2027.
- 2% Cashback on Lyft: Earn 2% cashback on Lyft rides through September 30, 2027.
Convenience Features
- Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay.
Shopping & Savings
- Chase Offers: Activate personalized deals from popular merchants and earn automatic cashback when you use your card.
Buy Now, Pay Later Options
- Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.
Additional Features
- Automatic Card Upgrade Review: Build positive credit habits and become eligible for an automatic upgrade to the Chase Freedom Unlimited® card after maintaining on-time payments and active account use.
- Free credit score access.
- Credit Line Increases: Be considered for a credit line increase every 6 months or sooner.
Terms and Conditions
- Click Apply Now to see the terms and conditions.