Key facts
The Chase Freedom Rise℠ credit card from Chase is specifically aimed at those with no or limited credit history that are looking to start building their credit.
Annual Fee:
$0Min. Credit Score for Approval:
670-739 * GoodOngoing APR:
26.99% VariableBalance transfer fees
$5 or 5% of the amount of each transfer, whichever is greaterForeign Transaction Fee:
3% of the amount of each transaction in U.S. dollars.Please note that this card has a foreign transaction fee of 3% of the amount of each transaction in U.S. dollars.
Reward multipliers
Key features
Unique Card Benefits
Increase Approval Odds
Having a Chase checking account with a balance of at least $250 will increase your chances of getting approved for a Chase Freedom Rise℠ credit card especially if you lack credit history.
$25 for Enrolling in Automatic Payments
Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account.
With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
Credit Limit Increase
Once you have the Freedom Rise, you’ll be evaluated for a credit line increase and this could happen within 6 months. Your credit line will be the maximum amount you can spend on your Freedom Rise℠ Credit Card.
DoorDash Benefit
You’ll get 3 free months of DashPass, After that, you’re automatically enrolled in DashPass at 50% off for the next 9 months. You must activate this benefit by December 31, 2024
Instacart+ Benefit
Get 3 free months of Instacart+ membership. (Unlimited deliveries with $0 delivery fee and reduced service fees on eligible orders.)
After the free 3 months, you will be automatically enrolled in an annual Instacart+ membership unless you cancel. Enroll by July 31, 2024.
Cardmembers who enroll in the above offer can also earn up to $10 in statement credits each quarter through July 31, 2024 when they make eligible Instacart purchases with their Chase Freedom Rise card
Purchase Protection
New purchases made with your Chase Freedom Rise credit card are covered for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Extended Warranty
This benefit extends the U.S. manufacturer’s warranty for an eligible purchase made on your Chase Freedom Rise card by an additional year, on eligible warranties of three years or less.
Trip Protections
Trip Cancellation/Interruption Insurance
You can be reimbursed up to $1,500 per person 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 and other covered situations, when you pay for your common carrier charges on this credit card.
Free Access to Credit Score
You’ll have complimentary access to Chase’s “Credit Journey” feature. Chase Credit Journey helps you keep an eye on your credit score and credit health with this free credit score feature.
Earn more rewards by combining credit cards
Pros & cons
- Designed for those building credit; not a secured credit card
- Offers Purchase Protection and Extended Warranty benefits
- Earns 1.5% cash back (as Chase Ultimate Rewards points) with no annual fee
- No bonus categories other than a temporary multiplier on Lyft rides
- Charges a 3% foreign transaction fee
- Lacks a rich set of features and benefits
Our review
The Chase Freedom Rise is specifically aimed at those people who haven’t yet established credit, whether they are young or new to the country.
What’s great about this card is that unlike most “starter” credit cards, this credit card actually earns cash back and a handsome 1.5% cash back at that – all with no annual fee and it’s not a secured credit card, meaning you are being given credit the same as anyone else and you’ll be able to build your credit score by using the card and making on time payments. The cash back is awarded as Chase Ultimate Rewards points, but they are not transferable points – only cash back.
There are no intro 0% APR offers on this card so it’s best for someone that will be able to pay their bills on time and, ideally, in full.
Frequently asked questions
Does the Chase Freedom Rise have an annual fee?
No, there’s no annual fee.
Is it hard to get this credit card?
If you have Fair credit or Good credit, you should have good odds of approval. But even if you don’t, don’t worry – it’s meant for people with little to no credit history and it’s great for establishing credit!
Is it worth getting the Chase Freedom Rise?
If you need to build your credit and are unlikely to be approved for mainstream cards, this is a pretty fantastic card given that you’ll earn 1.5% cash back while building credit! And the card also has a nice range of additional benefits while you build credit.
How do I earn rewards with the Chase Freedom Rise credit card?
You’ll earn 1.5% on all eligible purchases.
Does the Chase Freedom Rise card charge foreign transaction fees?
Yes, it charges a 3% foreign transaction fee.
Does the Chase Freedom Rise have car rental coverage?
No, this is not a benefit of the Freedom Rise.
Does the Chase Freedom Rise card offer extended warranty?
This benefit extends the U.S. manufacturer’s warranty for an eligible purchase made on your Chase Slate Edge card by an additional year, on eligible warranties of three years or less.
Does the Chase Freedom Rise card offer purchase protection?
New purchases made with your Chase Slate Edge card are covered for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Does the Chase Freedom Rise offer trip protections?
Yes, it offers trip cancellation and trip interruption insurance, a rare benefit for a starter credit card.
What credit score do I need to get a Chase Freedom Rise card?
While a credit score in the 600’s would be helpful, Chase is clear that you can be approved even without ANY credit history. If that is you, having a Chase checking account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise℠
Does the Chase Freedom Rise have Cell Phone Protection?
No, it does not.
How does the Chase Freedom Rise compare to the Chase Freedom Unlimited?
You can see a comparison of the Chase Freedom Rise and Chase Freedom Unlimited. Only the Rise is intended for those with little to no credit history. They both earn 1.5% cash back and both do charge a foreign transaction fee.
How does the Chase Freedom Rise compare to the Chase Slate Edge?
Since the comparable Slate Edge is no longer available to apply for, this card is your best bet!