Chase Freedom Rise Review 2026
Freedom Rise is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
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Your card estimate
Net first-year value
First year
+$450
Rewards + bonus - fee - interest drag
Ongoing year
+$450
Excludes one-time welcome offer
SwitchWize take
Cash-back optimizer
Bonus value
See terms
Rewards
1.5% cash back
Annual fee
$0
APR
18.49% to 27.99%
Quick summary
What this card is, in plain words
Freedom Rise has no annual fee and a variable purchase APR of 18.49% to 27.99%. It earns 1.5% cash back on everything else.
What to consider
- The APR is 18.49% to 27.99% and it can change. Interest on a carried balance is usually larger than the rewards.
Pros & cons
- No annual fee
No material drawbacks found in the data we track.
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Fees
What this card can cost you
- Annual fee
- $0
- Foreign transaction fee
- Not verified yet
- Balance transfer fee
- Greater of $5 or 5% of each transfer
- Cash advance fee
- Greater of $10 or 5% of each advance
- Late payment fee
- Up to $40
- Authorized user fee
- Not verified yet
Earning rates
What you earn, by purchase type
Everything else
1.5% cash back
Points value
What Chase Ultimate Rewards points are actually worth
This card earns Ultimate Rewards points, currently valued at 2.05¢/point based on a sourced editorial estimate — not a marketed "up to" number.
Marketed value. See the full Chase Ultimate Rewards program page or the full valuation methodology.
Benefits and protections
Each item below was checked against the issuer's own published terms. Coverage limits and exclusions apply, so confirm them with the issuer.
Protections
- Extended Warranty Protection
- Purchase Protection
- Trip Cancellation and Interruption Insurance (per trip)
- Zero Liability Protection
Perks and credits
- Additional Cash Back on Lyft Purchases
- Complimentary DashPass Membership
- Quarterly Discount on DoorDash Non-Restaurant Orders (quarterly)
- Statement Credit for Automatic Payments Enrollment (one time)
Offer history
How today's bonus compares
Welcome offer needs verification
See terms
Observed Recently
12-month best
See terms
0 tracked observations
Signal
At or near tracked best
Last history update Recently
Terms history
Has the fee or APR changed?
Since tracking began (Jun 21, 2026), APR range moved from 18.24%–27.74% to 18.49%–27.99%. Tracked since Jun 21, 2026 across 22 tracked readings — not a signal to act by any deadline, just context on whether today's terms match what was first tracked.
Full change history (3 changes tracked) →
- Oct 18, 2026 — APR range moved from 18.49%–29.99% to 18.49%–27.99%.
- Oct 11, 2026 — APR range moved from 18.24%–27.99% to 18.49%–29.99%.
- Sep 22, 2026 — APR range moved from 18.24%–27.74% to 18.24%–27.99%.
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$0 annual fee
18.49%-27.99% variable
Verify spend requirement
Chase terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The real value depends on category rules, caps, APR behavior, and whether you carry a balance.
Comparison set
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Before you apply
Application rules and credit check
- Who can get the welcome bonus
- Not published by the issuer on its card page.
- How many cards you can open
- Not published by the issuer on its card page.
- Credit check when you apply
- Not published by the issuer on its card page.
These are the issuer’s own words. Informal rules reported by cardholders, such as "5/24", are not shown because the issuer has not published them. Checked Nov 13, 2026.
Questions
Common questions
What is the annual fee for the Freedom Rise?
The Freedom Rise has no annual fee, according to Chase's page checked Nov 14, 2026.
How do I earn rewards with the Freedom Rise?
1.5% cash back on everything else.
What is the APR on the Freedom Rise?
The purchase APR is 18.49% to 27.99%, and it is variable. Your rate depends on your credit.
Sources
Where these figures come from
Fees and APR, Earning rates, Benefits and protections
https://creditcards.chase.com/cash-back-credit-cards/freedom/rise · checked Nov 14, 2026
We could not verify the foreign transaction fee, authorized user fee for this card yet, so we do not show a figure.
Bottom line
Is Freedom Rise worth it?
Freedom Rise is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term