Chase Freedom Rise
Chase's front door for first-time cardholders. 1.5% on everything while you build history.
Welcome Bonus
2,500
≈$25 value
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
Limited
or no credit history
Current offer note: $25 statement credit for enrolling in automatic payments
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 1.5xAll purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Approval odds improve with $250 or more in a Chase checking account
- ✦Free credit score tracking with Chase Credit Journey
- ✦Automatic reviews for upgrade to other Freedom cards
- ✦Earns full Ultimate Rewards points, not a separate currency
Why it earns its spot
- +Real path into the Chase ecosystem with no credit history
- +Points later pool with a Sapphire for transfer partner value
- +No annual fee
Where it costs you
- −Low starting credit limits
- −3% foreign transaction fee
- −No category bonuses
The Compound Verdict
The smartest starter card for anyone who plans to build a Chase setup later. Open a checking account first, take the approval, and let the history age. In a year or two the upgrade path and pooled points start paying off.
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