Chase Freedom Rise
Built for a first credit card, with approval odds that improve for existing Chase banking customers.
Chase Freedom Rise is a no annual fee Visa that returns 1.5% on all spending and sits at the entry point of the Chase credit card lineup.
People who have little or no credit history are the target, and a Chase checking or savings account helps their case.
In short: flat 1.5% back, a $25 autopay credit, and the chance to be considered for Chase Freedom Unlimited once a year.
Why is the Chase Freedom Rise worth it?
Starter cards often charge for the privilege of building credit. This one does not, and it adds a simple rewards rate. Keeping $250 or more in Chase checking or savings accounts is described by Chase as something that increases approval chances.
Advantages
- No annual fee
- 1.5% cash back on every dollar of purchases
- A $25 statement credit after enrolling in autopay in the first 3 months and staying enrolled for 90 consecutive days
- Credit limit reviewed after 6 months
- Six months of complimentary DashPass and Purchase Protection on eligible items
Disadvantages
- A variable APR of 18.24% to 29.99% makes revolving a balance expensive
- A Chase account raises your odds but does not guarantee approval
- Rewards are the same everywhere, with no higher-earning categories
Important notice: this content is informational and based on official sources. We do not act as a financial intermediary.
Inside the Chase Freedom Rise
This is a Chase-issued Visa. Everyday purchases earn the same 1.5%, which keeps the rewards easy to understand for someone new to credit cards.
Chase positions the card as a first rung: accounts are evaluated every year for an upgrade to Chase Freedom Unlimited, so paying on time matters beyond the monthly statement.
Key information
- Issuer and network: Chase, Visa
- Annual fee: $0
- Rewards: 1.5% cash back on each $1 spent
- Statement credit: $25 with autopay (90 consecutive days enrolled)
- Variable APR: 18.24% to 29.99%
- Protections: Zero Liability, extended warranty and trip cancellation insurance
Last updated: 01/10/2026
Digital platform: Chase Mobile app
Account access runs through the Chase Mobile app. Chase also lists the ability to lock and unlock the card, plus round-the-clock fraud monitoring.
Who is the Chase Freedom Rise ideal for?
Think of a recent graduate or first-time cardholder who already uses Chase for checking, pays the statement in full, and wants an upgrade path later.
Anyone hoping for bonus categories, or expecting to carry debt month to month, would be better served by other products.
Common questions
Is a Chase bank account mandatory?
No, though Chase says holding at least $250 in its checking or savings accounts increases the chance of approval.
What is the cash back rate?
1.5% on each dollar spent.
How do I earn the autopay credit?
Sign up for autopay within the first 3 months and remain enrolled for at least 90 consecutive days to receive the $25 statement credit.
Is the Chase Freedom Rise a good option?
For a newcomer to credit, it combines no yearly cost with a respectable flat reward and a documented path upward. The steep APR range is the thing to watch.
See the full details page before you apply.
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