Chase Freedom Rise℠
Basic Information
Program ID: chase-freedom-rise
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:25
Last Scraped: 01/15/2026 09:54
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| 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
Purchase APR Range: 2,124.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,999.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $25.00
Spending Requirement: $0.00
Time Period: 180 days
Bonus Timing: Typically within 8-12 weeks after the 25 qualifying purchases requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: Ultimate Rewards Points
Base Reward Rate: 1.50%
Bonus Reward Rate: 1.50%
Bonus Categories: 1.5x on all purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: None directly (points can be combined with a Chase Sapphire card to access transfer partners)
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 600 - 670
Approval Odds Category: Fair
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: 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.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: N/A - First Purchase
Shutdown Risk Triggers: Manufactured spending (MS), high cumulative credit limit across Chase cards relative to declared income, frequent or excessive product changes, abuse of return policies or chargebacks, suspicious spending patterns inconsistent with declared activity, bouncing payments, or rapid accumulation of new accounts across multiple issuers.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.9 / 5.0
Top Positive Feedback:
Excellent for building credit history, easy approval for those with limited credit, no annual fee, and earns cash back on all purchases.
Top Negative Feedback:
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 Score: 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
User Portfolio Metrics
Avg Portfolio Size: 1 cards
Avg Portfolio Age: 6 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: January 2024