Freedom Rise
Chase
Freedom Rise
Offer Strength
StandardShow breakdown
Estimated bonus value: ~$25
Base score: 16
Current $25 vs typical $25
Net value after annual fee: ~$25
Estimate based on our value hints; not financial advice.
Annual Fee
$0/yr
Credit Score
Fair credit recommended (630+)
Freedom Rise
Welcome Offer
Earn a $25 statement credit when you enroll in automatic payments within the first 3 months and stay enrolled for at least 90 days.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Chase 5/24 rule
Based on widely reported data, most Chase cards appear to decline applicants who have opened 5 or more personal credit cards (from any bank) in the last 24 months.
Bonus cooldown policy
Some cards appear to enforce a waiting period between bonuses. The cooldown varies by issuer — from 24 to 60 months depending on the card.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
1.5% cash back on all purchases
2% total cash back on Lyft rides (through 9/30/2027)
Key benefits
1.5% cash back on all purchases
1.5% cash back on all purchases
Credit-building card with credit line increase review in 6 months
Credit-building card with credit line increase review in 6 months
DoorDash DashPass (6 months free)
DoorDash DashPass (6 months free)
$25 statement credit for enrolling in autopay
$25 statement credit for enrolling in autopay
No annual fee
No annual fee
Perks
Free credit score tracking and identity monitoring
Free credit score tracking and identity monitoring
Purchase protection (120 days, up to $500/item)
Purchase protection (120 days, up to $500/item)
Extended warranty (+1 year)
Extended warranty (+1 year)
Trip cancellation insurance (up to $1,500/traveler)
Trip cancellation insurance (up to $1,500/traveler)
Good fit for
About this card
The Chase Freedom Rise is a cash back card with no annual fee. New cardholders can earn 25 cashback.
Best for
credit card beginners, anyone wanting simple cash back
Key considerations
No annual fee makes this easy to keep long-term. Subject to Chase 5/24 rule — plan application timing.
Card analysis
Offer analysis
The current offer on the Freedom Rise awards 25 cashback after spending $0 within 90 days of account opening.
Annual fee value
The Freedom Rise has no annual fee, making it a risk-free addition to your wallet. There is no ongoing cost to hold this card, so the only consideration is whether the rewards structure fits your spending habits.
Application strategy
This card is subject to Chase’s 5/24 rule. If you have opened five or more personal credit cards from any issuer in the past 24 months, your application will likely be denied regardless of your credit score. Consider whether using a 5/24 slot on this card is the best use of your limited Chase applications.
This card belongs to the freedom product family. Chase may restrict you from holding multiple cards in the same family or earning bonuses on related products. Review family-specific restrictions on our How It Works page before applying.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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