0
Benefits0
Reward Categories—
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: Ultimate Rewards Points
Base Rate: 1.5x
Bonus Rate: 1.5x
Categories: 1.5x on all purchases
Quarterly Rotating: No
Expiration Policy: Points do not expire as long as account is active and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Transfer Partners: None directly (points can be combined with a Chase Sapphire card to access transfer partners)
Redemption Penalties: None
Benefits & Protections (Detailed)
No Card Benefits Available
Click "Get Data" button below to fetch card benefits for this card.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Global Entry Credit: $0
TSA PreCheck Credit: $0
Sign-Up Bonus
PENDING$25
Cash BackRequirement: Spend $0 in 180 days
Timing: Typically within 8-12 weeks after the 25 qualifying purchases requirement is met, but often within 48-72 hours.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
| Min Interest Charge: | $1.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.99%
Balance Transfer APR: 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Duration: 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Chase Freedom Rise card is primarily designed for individuals with no or limited credit history. A key eligibility requirement is often an existing Chase checking or savings account with a minimum balance (e.g., $250) at the time of application. Applicants must be 18 years or older and a U.S. resident. While the 5/24 rule (not having opened more than 5 credit cards in the past 24 months) is a significant Chase application rule, the Freedom Rise is sometimes an exception for approval, meaning applicants might be approved even if they are over 5/24. However, it is crucial to note that *this card still counts* as one of your 5 new accounts for future Chase credit card applications. The typical welcome bonus is a small cash bonus (e.g., $25-$50) after making your first purchase.
Max Cards Per Issuer: 5
Min Spend Interval: N/A - First Purchase
Cliff Effect Rules: There are no specific 'cliff effect' rules preventing you from holding multiple cards within the Chase Freedom family (e.g., Freedom Flex, Freedom Unlimited, Freedom Rise). However, the Chase Freedom Rise *does count* towards your 5/24 status, which is a critical 'cliff effect' for eligibility for other premium Chase cards (e.g., Sapphire Preferred, Sapphire Reserve, Ink Business cards). Other general Chase 'cliff effects' like the 48-month rule for Sapphire card bonuses and the 'one Sapphire card' rule apply to the broader Chase ecosystem, but not directly to the Freedom Rise itself.
Special Events: N/A
Holiday Promos: N/A
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.9 / 5.0
Top Positive:
Excellent for building credit history, easy approval for those with limited credit, no annual fee, and earns cash back on all purchases.
Top Negative:
Typically comes with a low credit limit, requires an existing Chase checking account for approval, and offers basic rewards compared to other cards.
Approval Experience: 85.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Discover it Secured
- Capital One Platinum Secured
Card Value Score: 80.0 / 100
Est. Annual Rewards: $169.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: January 2024