Chase Freedom Rise® Benefits: Rewards & Features
The Chase Freedom Rise® offers 1.5% cash back on purchases, a $0 annual fee, a $25 statement credit for signing up for automatic payments, and features designed to help people establish credit. The card also provides access to Chase Credit Journey and the possibility of being evaluated for a credit-line increase in as soon as 6 months.
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1.5% Cash Back on Purchases
One of the main benefits of the Chase Freedom Rise® is its 1.5% cash back on purchases. The card provides the same base cash-back rate rather than requiring cardmembers to keep track of rotating bonus categories.
Cash-back rewards do not expire as long as the account remains open, and there is no minimum amount required to redeem cash back.
$0 Annual Fee
The Chase Freedom Rise® has no annual fee. This means cardmembers do not have to pay a yearly fee simply for keeping the account open.
A $0 annual fee can be particularly useful for someone establishing credit because keeping an account open over time can contribute to the length of a credit history without creating an annual cost.
$25 Statement Credit for Automatic Payments
Eligible new cardmembers can earn a $25 statement credit after signing up for automatic payments within the first three months of opening the Chase Freedom Rise® account.
Automatic payments allow cardmembers to select a payment date and dollar amount for recurring payments, which can make it easier to keep payments on schedule.
Credit-Building Features
The Chase Freedom Rise® is designed specifically for people who are new to credit. The card gives someone an opportunity to establish a credit history while using a traditional credit card and earning cash back on purchases.
Responsible use of the account, including making payments on time, can help build a positive credit history over time.
Chase Credit Journey
Chase Freedom Rise® cardmembers have access to Chase Credit Journey, which provides tools for monitoring a credit score and learning more about credit.
This can be useful for someone who is new to credit and wants to follow their progress while learning how credit scores work.
Potential Credit-Line Increase
Another benefit of the Chase Freedom Rise® is the opportunity to be evaluated for a credit-line increase in as soon as 6 months.
A credit-line increase is not guaranteed. Chase evaluates the account and determines whether an increase is appropriate.
For more information about the card's credit line and how increases work, see our Chase Freedom Rise® credit limit guide.
Cash Back Does Not Expire While the Account Is Open
Chase says that Freedom Rise® cash-back rewards do not expire as long as the account remains open. This allows cardmembers to accumulate rewards without having to use them within a specific expiration period.
No Minimum Cash-Back Redemption
There is no minimum amount required to redeem cash back with the Chase Freedom Rise®. This gives cardmembers flexibility when deciding when to use their accumulated rewards.
Chase Freedom Rise® Benefits at a Glance
- 1.5% cash back on purchases
- $0 annual fee
- $25 statement credit for eligible new cardmembers who enroll in automatic payments within the first three months
- Cash-back rewards do not expire while the account remains open
- No minimum cash-back redemption requirement
- Access to Chase Credit Journey
- Potential credit-line increase evaluation in as soon as 6 months
- Credit-building features designed for people who are new to credit
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Chase Freedom Rise® Benefits: Bottom Line
The Chase Freedom Rise® combines straightforward cash-back rewards with features aimed at people who are establishing credit. The 1.5% cash-back rate, $0 annual fee, automatic-payment statement credit, Chase Credit Journey access and potential credit-line increase are among its most notable benefits.
If you are comparing the card as a potential first credit card, see our Chase Freedom Rise® review for our broader assessment. For information specifically about the card's credit line, see our Chase Freedom Rise® credit limit guide.
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FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
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