Chase Freedom Rise
By Alex Compton · Last verified
Chase's front door for first-time cardholders. 1.5% on everything while you build history.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
Limited
or no credit history
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-01 | 2,500 | No recorded spend | Terms reconfirmed | Archive record · no attached snapshot |
| 2024-06 | 2,500 | No recorded spend | Terms reconfirmed | Archive record · no attached snapshot |
| 2023-06 | 2,500 | No recorded spend | Earliest recordLaunch offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-09 · spot an outdated offer? Report a correction above.
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Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 1.5xAll purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Approval odds improve with $250 or more in a Chase checking account
- ✦Free credit score tracking with Chase Credit Journey
- ✦Automatic reviews for upgrade to other Freedom cards
- ✦Earns full Ultimate Rewards points, not a separate currency
Why it earns its spot
- +Real path into the Chase ecosystem with no credit history
- +Points later pool with a Sapphire for transfer partner value
- +No annual fee
Where it costs you
- −Low starting credit limits
- −3% foreign transaction fee
- −No category bonuses
The Compound Verdict
The smartest starter card for anyone who plans to build a Chase setup later. Open a checking account first, take the approval, and let the history age. In a year or two the upgrade path and pooled points start paying off.
Head-to-Head Comparisons
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