Chase Freedom Rise® Credit Card

A credit-building card earning 1.5% cash back on all purchases with no annual fee. Reports to all three credit bureaus to help build your credit history.

Last checked on July 23, 2026. We may earn a commission when you click through.

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✓ 1.5% cash back on all purchases ✓ No annual fee ✓ Reports to all three credit bureaus
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Chase Freedom Rise® Credit Card

Visa · cashback

Our Verdict

The Chase Freedom Rise® is a solid choice for those new to credit, offering cash back without an annual fee. However, its high APR may be daunting for some users.

What it really costs

Annual fee No annual fee
APR Range 28.74% – 28.74%

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Who it's for

This card is best suited for individuals looking to build their credit history while earning cash back on everyday purchases.

Watch out

Be cautious of the high APR if you plan to carry a balance, as interest charges can accumulate quickly.

The good and the not so good

  • 1.5% cash back on all purchases
  • No annual fee
  • Reports to all three credit bureaus
  • Good option for building credit
  • Automatic payments can earn rewards
  • High variable APR (24.49%-31.49%)
  • No sign-up bonus
  • Limited rewards compared to some competitors
  • Requires a Chase checking or savings account for better approval chances
  • May not be ideal for those carrying a balance

In-Depth Review

The Chase Freedom Rise® Credit Card is designed primarily for individuals looking to establish their credit history. With a straightforward rewards structure offering 1.5% cash back on all purchases and no annual fee, it appeals to new credit users and students. One of its standout features is its reporting to all three major credit bureaus, which is essential for those aiming to build a solid credit profile. However, potential cardholders should be aware of the high variable APR, ranging from 24.49% to 31.49%. This could pose a significant challenge for users who might not pay off their balance in full each month. Unlike some competitors, the Chase Freedom Rise® doesn't offer a sign-up bonus, which may make it less appealing compared to other cash back cards that provide more immediate rewards. Additionally, having at least $250 in a Chase checking or savings account can improve approval chances, which may not be convenient for everyone. Overall, while the Freedom Rise® is a decent choice for first-time credit users, those who carry a balance should carefully consider their options, as higher interest rates could negate the benefits of cash back earned.

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