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Annual Fee$0
APR24.49% - 31.49% variable
Sign-up BonusNone~$0 value
Rewards1.5% cash back on all purchases
Credit Scorefair
Foreign FeesYes (3%)
+ Pros
- ✓1.5% flat rate — no rotating categories
- ✓No annual fee
- ✓Upgrade path to Chase ecosystem (Freedom, Sapphire)
− Cons
- ✗No sign-up bonus
- ✗No intro APR offer
- ✗Foreign transaction fee
Rewards Breakdown
| Category | Rate | Monthly Spend | Annual Value |
|---|---|---|---|
| All purchases | 1.5% | $400/mo | $72 |
| Total Estimated Annual Rewards | $72 | ||
Perks & Credits
Free
Chase Credit Journey
Auto-review
Upgrade Path
CFPB Consumer Complaints(Last 12 months)
6,095Credit card complaints
0%Timely response rate
Source: CFPB Consumer Complaint Database. Complaints are not necessarily evidence of wrongdoing.
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
- →Rewards optimizers (Discover Student pays more)
- →International travelers (foreign transaction fee)
- →Anyone who wants a sign-up bonus
How It Compares
| Card | Annual Fee | Best Rate | Score |
|---|---|---|---|
| Chase Freedom Rise (this card) | $0 | 1.5% | 4.1/5 |
| Discover it Student Cash BackBest Student Card Overall | $0 | 5% | 4.6/5 |
| Capital One SavorOne Student Cash RewardsBest Student Card for Dining & Entertainment | $0 | 3% | 4.4/5 |
Frequently Asked Questions
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Last updated: 2026-03-31