Independent comparisons. No active credit card affiliate partnerships. Numbers checked 2026-09-10. How we make money · Data status
Chase Freedom Rise
Published by CreditMango · Mike Kwak · Editorial policy
Best Simple First Card
+ Pros
- ✓Simple 1.5% base earning
- ✓No annual fee
- ✓Designed for people new to credit
− Cons
- ✗No introductory APR
- ✗Foreign transaction fee
- ✗Dining promotion ends after six months or $6,000
Rewards Breakdown
| Category | Rate | Monthly Spend | Annual Value |
|---|---|---|---|
| All purchases | 1.5% | $400/mo | $72 |
| Total Estimated Annual Rewards | $72 | ||
Perks & Credits
Enroll within three months and remain enrolled 90 consecutive days. Allow six to eight weeks after qualification for the statement credit; account must be open and not in default.
Eligible dining earns 3% total for the first six months or $6,000 in dining purchases, whichever comes first. The extra 1.5% is temporary.
- Problem with a purchase shown on your statement2,345
- Other features, terms, or problems1,439
- Advertising and marketing, including promotional offers590
Source: CFPB Consumer Complaint Database, checked 2026-10-11. These counts cover the issuer, not this specific card, and are not adjusted for customer count. Complaints are not necessarily evidence of wrongdoing.
Freedom Rise targets new credit users and students. Its ongoing rate is 1.5% cash back, with no annual fee. Current variable APR is 18.24%–27.74%; there is no introductory APR offer.
Temporary offers
The current offer pays 3% total on dining during the first six months, capped at $6,000 in dining purchases. After either limit, the 1.5% base rate applies. Our annual earning comparison uses the ongoing rate.
A separate $25 credit requires enrolling in automatic payments within three months and maintaining enrollment for 90 consecutive days. It posts six to eight weeks after qualification, subject to account conditions. The comparison includes that conditional credit in its first-year estimate, rounded to the nearest $10.
Approval is separate from rewards
Chase says $250 in eligible checking or savings balances can improve approval chances for certain first-time cardholders. It is neither required nor a guarantee. Read the issuer's qualifying-account and funding deadlines before relying on this provision.
Holding Rise does not promise approval for a Sapphire card later. Choose it for its current terms and your ability to repay purchases.
Source
Checked September 10, 2026: Chase's Freedom Rise offer and detailed conditions. Application terms control.
Who This Card Is For
- →Students/grads who want simplicity (no rotating categories)
- →Anyone who wants entry into the Chase card ecosystem
- →First-time cardholders who value a Visa network card
Who Should Skip This Card
- →Users seeking a long introductory APR
- →Frequent international users avoiding foreign fees
- →Applicants expecting guaranteed approval or upgrades
How It Compares
| Card | Annual Fee | Best Rate |
|---|---|---|
| Chase Freedom Rise (this card) | $0 | 1.5% |
| Discover it Student Cash BackBest Student Card Overall | $0 | 5% |
| Capital One Savor Student Cash RewardsBest Student Card for Dining & Entertainment | $0 | 3% |
Frequently Asked Questions
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Last updated: 2026-09-10