Chase Freedom Rise® Credit Card: Build Credit with Confidence

Chase Freedom Rise® Credit Card: Build Credit & Earn 1.5% Cash Back

The Chase Freedom Rise® Credit Card is designed specifically for individuals new to credit or students who are looking to build their credit history while earning valuable rewards. With its 1.5% cash back on all purchases, no annual fee, and various benefits to help strengthen financial habits, this card stands out as an ideal option for newcomers to the credit world. Whether you are just starting to build credit or looking for a straightforward and reliable rewards program, the Chase Freedom Rise® Credit Card can help you meet your financial goals.

Let’s dive into the details of its key features, benefits, and how it can be the perfect tool for credit building.

Card Highlights

• Earn 1.5% cash back on every purchase with the Chase Freedom Rise® Credit Card.
• There is no annual fee for cardholders, making it a cost-effective choice for credit building.
• There is an automatic $25 reward when you set up and stay enrolled in automatic payments.
• There is no minimum redemption for cash back, offering flexibility in how you redeem rewards.
• Earn cash-back rewards with no expiration as long as your account remains open.
• Ideal for those new to credit, including students and first-time cardholders.
• Access to Zero Liability Protection for unauthorized purchases, providing extra security.
• Benefit from purchase protection and extended warranty on eligible items.
• Enjoy DoorDash benefits like a $0 delivery fee for three months, then 50% off for nine months.
• Free credit score tracking through Chase Credit Journey to help build your credit.
• Option to redeem cash back via statement credit, direct deposit, or Amazon purchases.
• Potential for a credit line increase after six months of responsible use.
• Offers fraud protection and 24/7 monitoring to safeguard your account.
• Available for use with the Chase Mobile app and contactless payments for added convenience.

Rates and Fees of Chase Freedom Rise® Credit Card

• APR for Purchases: 25.99% variable APR. This applies to all purchases made with the card.
• APR for Cash Advances: 29.99% variable APR. Higher rates apply to cash advances.
• Penalty APR: 29.99% variable APR. This applies if you make a late payment or have a returned payment.
• Annual Fee: $0. The card comes with no annual fee, making it cost-effective for cardholders.
• Foreign Transaction Fee: 3% of each transaction. This applies to purchases made outside the United States.
• Late Payment Fee: Up to $40. If your payment is late, this Fee may apply.
• Returned Payment Fee: Up to $40. This Fee is charged if a payment is returned.
• Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
• Minimum Interest Charge: $1.50. This applies if interest is charged on the balance.

These fees are standard for the Chase Freedom Rise® Credit Card, and understanding them helps you manage your account effectively. Avoiding late payments and cash advances will also help you avoid high fees and interest rates.

See Full Rates and Fee

Key Features and Benefits of the Chase Freedom Rise® Credit Card

1. 1.5% Cash Back on All Purchases: One of the most attractive features of the Chase Freedom Rise® Credit Card is its 1.5% cash back on all purchases. Unlike other credit cards that require users to keep track of rotating categories or spending limits, this card allows you to earn cash-back rewards on every single purchase, no matter the type. Whether you’re buying groceries, paying bills, or shopping for entertainment, you earn 1.5% cash back automatically, which can easily add up over time.

For those new to credit or looking to earn consistent rewards without the hassle of complex rules, the Chase Freedom Rise® is a straightforward choice. Additionally, cash-back rewards do not expire as long as your account is open, and there is no minimum redemption requirement. This means you can redeem rewards as soon as you earn them, whether for statement credits, a direct deposit into your Chase checking account, or other cash-back redemption options.

2. Automatic Payments Reward: To make managing your account even easier, the Chase Freedom Rise® Credit Card offers a $25 automatic payment reward. When you enroll in automatic payments within the first three months of opening your account and stay enrolled for at least 90 days, you will earn a $25 statement credit. This is an excellent way to simplify your payment process while also gaining a reward for staying on top of your finances.

This benefit is particularly helpful for those who are new to credit or students who may be managing their first credit card. Setting up automatic payments ensures that your Chase Freedom Rise® credit card payments are made on time, avoiding late fees and helping you build a solid payment history. Additionally, automatic payments contribute to credit score building, as timely payments are a key factor in improving your credit score.

3. Credit Building Features: The Chase Freedom Rise® Credit Card is perfect for new-to-credit individuals or those looking to improve their credit scores. With the ability to track your credit score through Chase Credit Journey, this card provides useful credit score-building tools that can help you improve your financial standing over time. Your credit score is an important factor in securing future loans and credit cards, and using the Chase Freedom Rise® responsibly can help you build a strong credit history.

After just six months of responsible use, you could be eligible for a credit line increase. This is another great feature for people who are trying to build credit and gradually increase their purchasing power. By keeping your balance low, making timely payments, and avoiding overspending, you can improve your credit score and increase your chances of receiving a higher credit limit in the future.

4. Additional Built-in Benefits: The Chase Freedom Rise® Credit Card offers several additional benefits that make it a highly secure and rewarding option for new cardholders. Some of the additional Chase credit card benefits include:

• Zero Liability Protection: If your card is lost or stolen, you won’t be held responsible for unauthorized charges made with your card or account information. This provides peace of mind and fraud protection.
• Purchase Protection: This benefit covers eligible new purchases for 120 days from the date of purchase, protecting you from damage or theft up to $500 per item.
• Extended Warranty Protection: If an eligible purchase has a manufacturer’s warranty of three years or less, you can extend the warranty by an additional year, making your purchase even more secure.
• Trip Cancellation and Interruption Insurance: If you have to cancel or interrupt a trip for covered reasons (such as sickness or severe weather), you can be reimbursed up to $1,500 per covered traveler and up to $6,000 per trip for non-refundable passenger fares.
• 24/7 Fraud Monitoring: Chase provides continuous fraud monitoring, so if your account experiences unusual or suspicious activity, you’ll be notified immediately.

How to Earn Cash Back with the Chase Freedom Rise® Credit Card?

Earning Cash Back

One of the Chase Freedom Rise® Credit Card’s most attractive features is the 1.5% cash back on every purchase. Whether you’re buying groceries, paying for gas, or ordering takeout, you can earn cash back on all of these purchases. This flat-rate cash-back program ensures you don’t have to worry about activating categories or tracking specific spending.

Furthermore, your cash-back rewards do not expire as long as your account remains open. This makes it easy for you to save up rewards over time without worrying about losing them. Additionally, there is no minimum redemption amount, meaning you can redeem your rewards for a statement credit or direct deposit into your Chase checking account at any time.

How to Redeem Cash Back Rewards?

There are several convenient ways to redeem your cash-back rewards with the Chase Freedom Rise® Credit Card:

• Statement Credit: Apply your rewards directly to your credit card bill as a statement credit.
• Direct Deposit: Transfer your rewards directly into your Chase checking account for easy access.
• Amazon Redemption: Link your Chase Freedom Rise® Credit Card to your Amazon account and use your cash-back rewards to pay for purchases, including taxes and shipping.
• Gift Cards: Choose from a wide variety of gift cards for shopping, dining, entertainment, and more.

These redemption options give you flexibility and make it easy to use your rewards in a way that works best for you.

Additional Benefits of the Chase Freedom Rise® Credit Card

1. Card Upgrade Opportunity: If you manage your account responsibly, you may be eligible for a Chase Freedom Unlimited® card upgrade after a year. To be considered, you’ll need to have made a purchase with your Chase Freedom Rise® card within the past 12 months and have a strong payment history. The upgrade to the Chase Freedom Unlimited® offers additional rewards and features, making this card a great option for long-term use.
2. Lyft Cash Back: One exciting benefit of the Chase Freedom Rise® Credit Card is the opportunity to earn 1.5% cash back on Lyft rides through September 30, 2027. This includes 2% cash back in addition to the standard 1.5% cash back you already earn. If you use Lyft frequently, this could be a great way to stack rewards and earn even more for your rides.
3. DoorDash Benefits: Enjoy the best from your local favorites with no delivery fees for six months. Gain free access to DashPass, which covers eligible DoorDash and Caviar orders with $0 delivery fees. Service fees may also be reduced on qualifying purchases during your complimentary DashPass period. After six months, you’ll be automatically enrolled at the standard DashPass monthly rate. To qualify, activate your DashPass benefit by December 31, 2027.DashPass members can also save up to $10 quarterly on eligible non-restaurant orders.
   This additional savings offer is valid through December 31, 2027.

Chase Freedom Rise Credit Card Foreign Transaction Fee

The Chase Freedom Rise® Credit Card includes a 3% foreign transaction fee on all international purchases or withdrawals. This fee applies when you buy in foreign currencies, shop with international merchants, or withdraw cash abroad. While common among many entry-level credit cards, this added cost may impact frequent travelers or global shoppers. Users making purchases through Apple Pay, Google Pay, or Samsung Pay might avoid the fee, according to some cardholder experiences. For those seeking zero foreign transaction fees, options like the Capital One QuicksilverOne may offer better international value. Always compare fees before choosing your travel credit card.

Chase Freedom Rise Credit Card Requirements

The Chase Freedom Rise Credit Card® is designed for those starting to build their credit. The card requirements are simple and beginner-friendly. To get approved for the card:

• You must be at least 18 years old to apply.
• S. residency (permanent or temporary) is required.
• No credit history is needed to qualify.
• A credit score in the 600s can help, but it’s not required.
• Having a Chase checking or savings account with at least $250 balance within two days of applying can improve approval chances.

How to Apply for the Chase Freedom Rise Credit Card?

Application Methods:

• Online: Visit the following Chase Freedom Rise Card page, click on “Sign in to apply faster” and then fill out the application form with your personal and financial details. Information needed includes your name, address, income, employment, and Social Security number for verification.

• Phone or Branch: You can also apply by calling Chase or visiting a nearby branch location in person.

Approval Process:

• After submitting your application, Chase will review it and may issue an immediate or delayed decision.

• If approved, your new credit card should arrive by mail within 7 to 10 business days.

Chase Freedom Rise Credit Card Limit

The Chase Freedom Rise® Credit Card typically begins with a starting credit limit of $500, depending on your creditworthiness. According to Credit Karma, while $500 is the minimum limit, the average credit limit among users matched with this or similar cards is around $2,679. Your actual credit line may vary based on your credit score, income, and account history, all key factors Chase uses in its evaluation.

Applicants approved for the Visa Signature version receive a minimum limit of $5,000, offering greater purchasing flexibility from the start. In contrast, the Visa Platinum version holds a baseline limit of $500, ideal for new or rebuilding credit users.

Chase also supports credit growth over time through automatic reviews. After six to twelve months of responsible usage—such as making on-time payments and keeping balances low—you may be considered for a credit limit increase. Additionally, you can proactively request a limit increase by calling Chase at (800) 432-3117, though once-a-year requests are recommended.

Consistently maintaining healthy credit habits may lead to a higher credit limit, increased financial confidence, and long-term credit score improvements.

Why the Chase Freedom Rise® Credit Card is Perfect for Students and New Credit Holders?

The Chase Freedom Rise® Credit Card is ideal for students and individuals new to credit. It features a simple rewards program to help build credit. There’s no annual fee, so you can start without worrying about extra costs. Earn 1.5% cash back on all purchases with no spending categories to track. Set up automatic payments and earn a $25 statement credit as a welcome bonus. You can also monitor your credit score for free using Chase Credit Journey. After six months of responsible use, you may qualify for a credit line increase. It’s a smart way to grow credit responsibly.

Comparison of Chase Freedom Rise® Credit Card vs. Chase Credits Cards

Choosing the right credit card depends on your spending habits, rewards preferences, and fees. Here’s a comparison of four popular Chase credit cards: Chase Freedom Rise®, Chase Sapphire Reserve®, Chase Sapphire Preferred®, and Chase Freedom Flex®. Each card has distinct features that cater to different financial needs. Below is a table that highlights the key features of these cards.

Comparison of Chase Freedom Rise® vs.Chase Sapphire Reserve® vs.Chase Sapphire Preferred® vs.Chase Freedom Flex®

Comparison Analysis

• Chase Freedom Rise® Credit Card: This card has no annual fee and offers 1.5% cash back on all purchases, making it ideal for beginners or those looking to build credit. However, unlike the other cards, it doesn’t provide bonus categories or high travel rewards.
• Chase Sapphire Reserve® Credit Card: This card is best for frequent travelers because it offers high rewards on travel and dining (5x and 3x points). However, the $550 annual fee might be high for casual spenders.
• Chase Sapphire Preferred® Credit Card: This card offers a solid balance of rewards (2x on travel and 3x on dining) at a lower annual fee than the Sapphire Reserve® card. It is good for those who want premium rewards but don’t need the highest-end travel perks.
• Chase Freedom Flex® Credit Card: This card is a great option for those who want to earn 5% cash back in rotating categories and 5% on travel booked through Chase. With no annual fee, this card offers value through its bonus categories and is a great pick for cash-back seekers.

Which One is Worth Buying?

If you are new to credit or want a no-annual-fee credit card for building credit, Chase Freedom Rise® is a great choice. For frequent travelers, the Chase Sapphire Reserve® and Chase Sapphire Preferred® are excellent, with the Sapphire Reserve® offering the most premium benefits. If you prefer earning cash-back rewards without an annual fee, Chase Freedom Flex® stands out.

Why You Might Think About A Different Credit Card Than Chase Freedom Rise® Credit Card?

The Chase Freedom Rise® Credit Card is a great option for those looking to build credit, especially with its 1.5% cash back on all purchases and no annual fee. However, it may not be the best fit for everyone. Here are a few reasons why you might consider other credit cards and some of the best alternatives available.

1. Limited Rewards Categories: While the Chase Freedom Rise® offers 1.5% cash back on all purchases, it lacks bonus categories like travel, dining, or rotating categories that could earn you higher rewards. If you’re looking for extra rewards on specific spending, you might want to consider cards like the Chase Freedom Flex® or Chase Sapphire Preferred®.
2. No Travel Perks: The Chase Freedom Rise® doesn’t offer travel benefits, such as bonus points for travel spending or travel protections. If travel rewards and protections are important to you, the Chase Sapphire Reserve® or Chase Sapphire Preferred® would be better alternatives. These cards provide 5x points on travel and valuable travel protections.
3. No Introductory Offer: Unlike many credit cards, the Chase Freedom Rise® doesn’t come with a large sign-up bonus. If you’re looking to earn rewards fast, consider cards like the Chase Sapphire Preferred®, which offers 60,000 bonus points after spending $4,000 in the first 3 months.

Top Alternatives Credit Card to Chase Freedom Rise® Card

1. Discover it® Secured Credit Card

Why it’s a top alternative:

• Credit Building Power: Reports to all 3 bureaus and starts reviewing your account for an upgrade to unsecured in just 7 months.
• Cashback Rewards: Earn 2% at gas stations and restaurants (up to $1,000/quarter) and 1% on all other purchases — rare for a secured card.
• No Credit Score Needed: Great for first-time applicants or those rebuilding credit.
• No Annual Fee: Like Chase Freedom Rise®, there’s no annual fee.

Why it rivals Chase Freedom Rise®
It offers similar cashback rewards, has no annual fee, and even gives a clear route to graduate to a traditional card — something Chase doesn’t advertise as clearly.

2. Capital One Platinum Secured Credit Card

Why it’s a top alternative:

• Flexible Deposit: Put down as little as $49 to get a $200 credit line, based on creditworthiness.
• Credit Line Increase: Automatic review for a higher limit in as little as 6 months.
• No Annual Fee: Like Chase Freedom Rise®.

Why it rivals Chase Freedom Rise®:
It’s more accessible with lower upfront costs, and Capital One provides frequent reviews for credit line increases — making it ideal for people starting with very limited funds.

3. Upgrade Cash Rewards Visa®

Why it’s a top alternative:

• Flat 1.5% Cash Back: Matches Chase Freedom Rise’s rewards on every purchase, but you get it when you make payments.
• No Annual Fee: Like Chase, no yearly cost.
• $200 Bonus: For those who open a Rewards Checking Plus account and make three transactions.
• Personal Loan/Card Hybrid: Gives you the flexibility of revolving credit or predictable monthly payments.

Why it rivals Chase Freedom Rise®:
It offers equal cashback, a bonus offer, and more payment flexibility, which is appealing if you want the best of both worlds between a card and a personal loan.

4. Discover it® Student Chrome

Why it’s a top alternative:

• 0% Intro APR on Purchases (6 months): Great for starting and managing initial expenses without interest.
• Cashback Match: Discover matches all your first-year cashback, effectively doubling your earnings.
• Student-Friendly Perks: No credit score is required to apply, and we offer solid tools for credit education.
• No Annual Fee: Just like Chase Freedom Rise®.

Why it rivals Chase Freedom Rise®:
It offers better rewards, a generous first-year bonus, and interest-free financing upfront — all while helping students start building their credit history responsibly.

Frequently Asked Questions (FAQs)

Conclusion: Is it Right for You?

The Chase Freedom Rise® Credit Card is an excellent choice for those who are new to credit, students, or anyone looking to build credit. With 1.5% cash back on all purchases, no annual fee, and valuable benefits such as purchase protection, trip cancellation insurance, and Lyft cash back, this card offers a straightforward and rewarding way to improve your credit while earning rewards.

Whether you’re just starting or looking to upgrade your financial habits, the Chase Freedom Rise® Credit Card can help you achieve your goals.