Chase
Chase Freedom Rise Review
People new to credit who want a no-fee starter card with a real rewards rate
Updated for 2026
Advertisement
See how to apply →Overview
The Chase Freedom Rise is a starter card for people new to credit, with no annual fee and a flat 1.5% cash-back rate that beats most first cards. Chase reviews accounts automatically for a possible upgrade to the Freedom Unlimited.
| Annual fee | $0 |
|---|---|
| Regular APR | 18.24%–27.74% variable |
| Welcome bonus | $25 statement credit for enrolling in automatic payments within the first 3 months (plus a limited-time 3% cash back on dining on up to $6,000 spent in the first 6 months) |
| Rewards | 1.5% cash back on all purchases |
| Recommended credit | New to credit — no prior credit history required |
Advertisement
Pros & cons
Pros
- No annual fee and built for applicants with little or no credit history
- Flat 1.5% cash back, higher than most starter cards
- Automatic account reviews with an upgrade path to the Chase Freedom Unlimited
Cons
- High ongoing APR with no intro-APR period, so carrying a balance is costly
- No traditional sign-up cash bonus
Get the best card picks & credit tips
Card offers and credit-building tips, straight to your inbox.
By subscribing you agree to our Privacy Policy. Unsubscribe anytime.
See how to apply → Compare more cards
Advertiser disclosure: this page is supported by advertising and is for information only. Confirm current terms on the issuer's official site before applying.