The Freedom Rise is a starter card designed to get someone their first Chase account: a flat 1.5% cash back on everything, no annual fee, and nothing to activate. The opening push is 3% on dining, including takeout and eligible delivery, on the first $6,000 of dining spend in your first 6 months, after which that rate settles permanently at the standard 1.5%. Qualifying Lyft rides earn 2% through September 30, 2027, a half point over the base rate that applies to Lyft specifically and not to transit in general. A $25 statement credit for enrolling in automatic payments within the first 3 months and staying enrolled 90 days is small but easy money, and 6 months of DashPass comes along with it. Be clear-eyed about the 18.24% to 27.74% APR and the foreign transaction fees: this is a card for building history on domestic spend you pay off in full, not for carrying a balance or taking abroad.
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 |
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.