The Freedom Rise is built as a starter card: 1.5% cash back on everything, no annual fee, and no categories to track. New accounts get 3% back on dining, including takeout and eligible delivery, on up to $6,000 spent in the first six months, after which that spending settles back to the standard 1.5%. There is no signup bonus, so the closest thing to one is the $25 statement credit for enrolling in automatic payments within your first three months and staying enrolled for at least 90 days, which is a useful nudge if you are building a payment history. Lyft rides earn 2% through September 30, 2027, a half percent over the base rate and only at Lyft, so treat it as a small extra rather than a reason to choose the card. It is a fine first card, but the flat 1.5% is where it settles, so expect to outgrow it once your credit supports something with real bonus categories.
Earn rates & credits
| Category | Rate |
|---|---|
Dining Dining at restaurants, including takeout and eligible delivery, on up to $6,000 spent in the first 6 months from account opening; 1.5% thereafter on first $6,000 lifetime, then 1.5% | 3% |
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 |