Freedom Rise Review 2026
Chase Freedom Rise is a starter card for people building credit history. The flat 1.5% cash back and dining bonus are competitive for a credit-building product, and it opens the door to Chase's broader ecosystem.
Your card estimate
Net first-year value
First year
+$325
Base rewards + bonus - fee - interest drag
Ongoing year
+$300
Excludes one-time welcome offer
This card’s headline rate applies to bonus categories, not all spend. The figures above use a conservative $300 base; maxing the bonus categories could earn up to $450 in rewards.
SwitchWize take
Cash-back optimizer
Bonus value
$25
Rewards
1.5% cash back
Annual fee
$0
APR
18.24%-27.74%
Pros & cons
- 1.5% flat cash back on most purchases
- 3% on dining up to the annual cap
- No annual fee
- Chase banking relationship improves approval odds
- Foreign transaction fee applies
- No premium travel or purchase benefits
- High APR if balance is carried
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
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.
Offer history
How today's bonus compares
Current public welcome offer
$25
Observed Jun 21, 2026
12-month best
$25
1 tracked observation
Signal
At or near tracked best
Last history update Jun 21, 2026
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
Product card image shown
$0 annual fee
18.24%-27.74% variable
Spend requirement: Set up automatic payments within 3 months and remain enrolled for 90 days
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.
Foreign transaction fee applies
Comparison set
Other cards to compare first
Bottom line
Is Freedom Rise worth it?
Chase Freedom Rise is a starter card for people building credit history. The flat 1.5% cash back and dining bonus are competitive for a credit-building product, and it opens the door to Chase's broader ecosystem.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term