The Freedom Rise is built for people starting out with credit, offering 1.5% cash back on every purchase with no annual fee. It also pays a $25 statement credit if you set up automatic payments within the first three months and stay enrolled for 90 days, a simple nudge toward on-time payments. The tradeoff is that there is no traditional signup bonus and no bonus categories, beyond 2% on qualifying Lyft rides through September 30, 2027. It also charges foreign transaction fees, so leave it at home when you travel abroad. Six months of complimentary DashPass is a minor extra, and the card makes the most sense as a first card to build history on before moving up.
Earn rates & credits
| Category | Rate |
|---|---|
Transit On qualifying Lyft rides through September 30, 2027 (limited-time promo; 0.5% on top of the 1.5% base rate) Through Sep 30, 2027 | 2% |
Everything Else | 1.5% |
| Benefit | Value |
|---|---|
Automatic Payment Statement Credit Earn a $25 statement credit when you sign up for automatic payments within the first three months of opening your account and remain enrolled for at least 90 days. | $25 |
Card details
Regular APR | 18.24%–27.74% variable |
Foreign transaction fee | Yes |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Chase Freedom RiseBased on 2 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.