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Build credit with 1.5% cash back on everything—$0 annual fee
Chase Freedom Rise combines credit-building tools with 1.5% cash back on all purchases and a $0 annual fee. Earn $25 for setting up auto-pay, get 6 months of complimentary DashPass, and enjoy an automatic upgrade path to Chase Freedom Unlimited after 12 months of responsible use.
$0
Annual Fee
2X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Visa Traditional
Rewards Currency
Cash
Credit Required
Fair
Benefits & Perks
Combined Protection Value
$72,000
Up to $60,000 coverage for theft or collision damage to rental cars. Secondary in US, primary abroad.
Reviews & Analysis
Best credit-building card for Chase ecosystem entry with 1.5% flat-rate cash back and no annual fee. Automatic upgrade to Freedom Unlimited after 12 months of on-time payments. Includes practical benefits like DashPass, rental car insurance, and purchase protection—unusual for a credit-builder.
Details & Terms
| Purchase APR | 25.24%–29.99% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Chase Freedom family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Chase Freedom Unlimited | mid | — | |
| Chase Freedom Flex | mid | — |
Media & Resources
Build credit with 1.5% cash back on everything—$0 annual fee
Chase Freedom Rise combines credit-building tools with 1.5% cash back on all purchases and a $0 annual fee. Earn $25 for setting up auto-pay, get 6 months of complimentary DashPass, and enjoy an automatic upgrade path to Chase Freedom Unlimited after 12 months of responsible use.
$0
Annual Fee
2X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Visa Traditional
Rewards Currency
Cash
Credit Required
Fair
Benefits & Perks
Combined Protection Value
$72,000
Up to $60,000 coverage for theft or collision damage to rental cars. Secondary in US, primary abroad.
Reviews & Analysis
Best credit-building card for Chase ecosystem entry with 1.5% flat-rate cash back and no annual fee. Automatic upgrade to Freedom Unlimited after 12 months of on-time payments. Includes practical benefits like DashPass, rental car insurance, and purchase protection—unusual for a credit-builder.
Details & Terms
| Purchase APR | 25.24%–29.99% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Chase Freedom family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Chase Freedom Unlimited | mid | — | |
| Chase Freedom Flex | mid | — |
Media & Resources
Build credit with 1.5% cash back on everything—$0 annual fee
Chase Freedom Rise combines credit-building tools with 1.5% cash back on all purchases and a $0 annual fee. Earn $25 for setting up auto-pay, get 6 months of complimentary DashPass, and enjoy an automatic upgrade path to Chase Freedom Unlimited after 12 months of responsible use.
$0
Annual Fee
2X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Visa Traditional
Rewards Currency
Cash
Credit Required
Fair
Benefits & Perks
Combined Protection Value
$72,000
Up to $60,000 coverage for theft or collision damage to rental cars. Secondary in US, primary abroad.
Reviews & Analysis
Best credit-building card for Chase ecosystem entry with 1.5% flat-rate cash back and no annual fee. Automatic upgrade to Freedom Unlimited after 12 months of on-time payments. Includes practical benefits like DashPass, rental car insurance, and purchase protection—unusual for a credit-builder.
Details & Terms
| Purchase APR | 25.24%–29.99% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Chase Freedom family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Chase Freedom Unlimited | mid | — | |
| Chase Freedom Flex | mid | — |
Media & Resources
Reimburses up to $1,500 per person and $6,000 per trip for non-refundable fares if your trip is canceled or cut short.
Covers new purchases for 120 days against damage, theft, or involuntary parting up to $500 per item.
Extends U.S. manufacturer's warranty by 1 year on warranties of 3 years or less, up to $10,000 per item.
Means you won't be held responsible for unauthorized charges made with your card or account information.
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if the...
Lock or unlock your card instantly from the Chase app to block new transactions while keeping auto-pay active.
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$24
Annual Fee
-$0
Net Annual Value
+$24
Official Chase comparison explaining the differences between Freedom Rise and Freedom Unlimited, including eligibility requirements, welcome offers, earning structures, and the automatic upgrade path from Rise to Unlimited.
NerdWallet's comprehensive review highlighting the card as a top credit-building product with no gimmicks or excessive fees. Covers the 1.5% cash back rate, auto-upgrade path to Freedom Unlimited, and practical benefits like DashPass and rental car coverage.
AskSebby's analysis of the Freedom Rise as a smart starter card for first-time cardholders. Details the 1.5% cash back structure, credit-building tools, and comparison with other beginner cards in the Chase lineup.
Bankrate's review calling it a solid starter card for students and people with limited credit. Emphasizes the generous 1.5% flat rate, low cost structure, and automatic upgrade benefit after 12 months of responsible use.
Upgraded Points' 2026 evaluation covering pros and cons, earning rates including the 2% Lyft bonus, $25 auto-pay credit, and value analysis for credit-builders entering the Chase ecosystem.
U.S. News review highlighting the card's cash back rewards, $0 annual fee, and consumer protection benefits. Includes expert ratings and evaluation of suitability for first-time cardholders.
CardCritics review calling it a straightforward, no-nonsense starter card for college students and credit newbies. Covers ease of use, rewards earning, and practical benefits for everyday spending.
Business Insider's analysis of the Freedom Rise as a credit-building tool, evaluating whether it aligns with credit-building goals and spending habits. Covers rewards structure and path to premium Chase cards.
AwardWallet's review positioning the card as a good option for building or rebuilding credit within the Chase ecosystem. Details cash back earning, benefits, and how to avoid fees while establishing credit history.
The Points Guy's launch announcement covering the Freedom Rise as Chase's entry-level card for new-to-credit customers. Details the flat 1.5% cash back rate, no annual fee, and credit-building focus.
Yahoo Finance's roundup of best Chase cards naming Freedom Rise as the best Chase card for new credit users. Emphasizes rewards earning and credit-building features that set it apart from competitors.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Reimburses up to $1,500 per person and $6,000 per trip for non-refundable fares if your trip is canceled or cut short.
Covers new purchases for 120 days against damage, theft, or involuntary parting up to $500 per item.
Extends U.S. manufacturer's warranty by 1 year on warranties of 3 years or less, up to $10,000 per item.
Means you won't be held responsible for unauthorized charges made with your card or account information.
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if the...
Lock or unlock your card instantly from the Chase app to block new transactions while keeping auto-pay active.
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$24
Annual Fee
-$0
Net Annual Value
+$24
Official Chase comparison explaining the differences between Freedom Rise and Freedom Unlimited, including eligibility requirements, welcome offers, earning structures, and the automatic upgrade path from Rise to Unlimited.
NerdWallet's comprehensive review highlighting the card as a top credit-building product with no gimmicks or excessive fees. Covers the 1.5% cash back rate, auto-upgrade path to Freedom Unlimited, and practical benefits like DashPass and rental car coverage.
AskSebby's analysis of the Freedom Rise as a smart starter card for first-time cardholders. Details the 1.5% cash back structure, credit-building tools, and comparison with other beginner cards in the Chase lineup.
Bankrate's review calling it a solid starter card for students and people with limited credit. Emphasizes the generous 1.5% flat rate, low cost structure, and automatic upgrade benefit after 12 months of responsible use.
Upgraded Points' 2026 evaluation covering pros and cons, earning rates including the 2% Lyft bonus, $25 auto-pay credit, and value analysis for credit-builders entering the Chase ecosystem.
U.S. News review highlighting the card's cash back rewards, $0 annual fee, and consumer protection benefits. Includes expert ratings and evaluation of suitability for first-time cardholders.
CardCritics review calling it a straightforward, no-nonsense starter card for college students and credit newbies. Covers ease of use, rewards earning, and practical benefits for everyday spending.
Business Insider's analysis of the Freedom Rise as a credit-building tool, evaluating whether it aligns with credit-building goals and spending habits. Covers rewards structure and path to premium Chase cards.
AwardWallet's review positioning the card as a good option for building or rebuilding credit within the Chase ecosystem. Details cash back earning, benefits, and how to avoid fees while establishing credit history.
The Points Guy's launch announcement covering the Freedom Rise as Chase's entry-level card for new-to-credit customers. Details the flat 1.5% cash back rate, no annual fee, and credit-building focus.
Yahoo Finance's roundup of best Chase cards naming Freedom Rise as the best Chase card for new credit users. Emphasizes rewards earning and credit-building features that set it apart from competitors.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Reimburses up to $1,500 per person and $6,000 per trip for non-refundable fares if your trip is canceled or cut short.
Covers new purchases for 120 days against damage, theft, or involuntary parting up to $500 per item.
Extends U.S. manufacturer's warranty by 1 year on warranties of 3 years or less, up to $10,000 per item.
Means you won't be held responsible for unauthorized charges made with your card or account information.
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if the...
Lock or unlock your card instantly from the Chase app to block new transactions while keeping auto-pay active.
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$24
Annual Fee
-$0
Net Annual Value
+$24
Official Chase comparison explaining the differences between Freedom Rise and Freedom Unlimited, including eligibility requirements, welcome offers, earning structures, and the automatic upgrade path from Rise to Unlimited.
NerdWallet's comprehensive review highlighting the card as a top credit-building product with no gimmicks or excessive fees. Covers the 1.5% cash back rate, auto-upgrade path to Freedom Unlimited, and practical benefits like DashPass and rental car coverage.
AskSebby's analysis of the Freedom Rise as a smart starter card for first-time cardholders. Details the 1.5% cash back structure, credit-building tools, and comparison with other beginner cards in the Chase lineup.
Bankrate's review calling it a solid starter card for students and people with limited credit. Emphasizes the generous 1.5% flat rate, low cost structure, and automatic upgrade benefit after 12 months of responsible use.
Upgraded Points' 2026 evaluation covering pros and cons, earning rates including the 2% Lyft bonus, $25 auto-pay credit, and value analysis for credit-builders entering the Chase ecosystem.
U.S. News review highlighting the card's cash back rewards, $0 annual fee, and consumer protection benefits. Includes expert ratings and evaluation of suitability for first-time cardholders.
CardCritics review calling it a straightforward, no-nonsense starter card for college students and credit newbies. Covers ease of use, rewards earning, and practical benefits for everyday spending.
Business Insider's analysis of the Freedom Rise as a credit-building tool, evaluating whether it aligns with credit-building goals and spending habits. Covers rewards structure and path to premium Chase cards.
AwardWallet's review positioning the card as a good option for building or rebuilding credit within the Chase ecosystem. Details cash back earning, benefits, and how to avoid fees while establishing credit history.
The Points Guy's launch announcement covering the Freedom Rise as Chase's entry-level card for new-to-credit customers. Details the flat 1.5% cash back rate, no annual fee, and credit-building focus.
Yahoo Finance's roundup of best Chase cards naming Freedom Rise as the best Chase card for new credit users. Emphasizes rewards earning and credit-building features that set it apart from competitors.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
