Chase Freedom Rise® Review: Is It Worth It?
The Chase Freedom Rise® is designed primarily for people who are new to credit and want a credit card that can help establish a credit history. It combines credit-building features with cash-back rewards and has no annual fee, making it worth considering for someone looking for a first credit card.
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What Is Chase Freedom Rise®?
Chase Freedom Rise® is a credit card from Chase designed for people who are new to credit, including students. Unlike cards that primarily target consumers with established credit histories, the Freedom Rise® is intended to provide an entry point into credit while offering cash-back rewards.
The card also includes features intended to help cardmembers establish and monitor their credit over time.
Who Is Chase Freedom Rise® Best For?
The Chase Freedom Rise® is best suited to someone who is new to credit and wants a traditional credit card rather than a secured credit card.
It may also be worth considering for a student or another applicant who has limited or no previous credit-card history. Chase specifically says that prior credit history is not required for the card.
Applicants who already have an established credit history may have other credit cards available to them with more extensive rewards or benefits, so the Freedom Rise® is most compelling when credit building is an important consideration.
Can a Chase Bank Account Help With Approval?
Yes. Chase says that applicants who have never had a credit card can increase their likelihood of approval by having a Chase checking or savings account with at least $250 in qualifying funds.
This is not a requirement and does not guarantee approval. Chase still evaluates each application individually.
Does Chase Freedom Rise® Help Build Credit?
Credit building is one of the main reasons to consider the Chase Freedom Rise®. Chase designed the card for people who are new to credit, and responsible use of a credit card can help establish a credit history over time.
Cardmembers also have access to Chase Credit Journey, which provides tools for monitoring a credit score and learning more about credit.
Chase Freedom Rise® Credit Limit
The credit limit for the Chase Freedom Rise® is determined by Chase based on the individual applicant and is not the same for every cardmember.
One feature worth knowing about is that Chase says Freedom Rise® cardmembers can be evaluated for a credit-line increase in as soon as 6 months.
For more information about the card's credit line and potential increases, see our Chase Freedom Rise® credit limit guide.
Chase Freedom Rise® Benefits
The Freedom Rise® offers several benefits beyond its credit-building purpose, including cash-back rewards and a $0 annual fee.
Rather than repeating all of the card's individual features here, we've put them together in our Chase Freedom Rise® benefits guide.
Chase Freedom Rise® Pros and Cons
Pros:
- Designed for people who are new to credit
- No annual fee
- Cash-back rewards
- A Chase checking or savings account with qualifying funds may improve approval chances
- Potential credit-line increase evaluation after as soon as 6 months
- Access to Chase Credit Journey
Cons:
- It is primarily designed for people new to credit rather than consumers looking for a premium rewards card
- The credit limit is determined individually by Chase
- Approval is not guaranteed, even for applicants who meet the card's general target audience
Is Chase Freedom Rise® Worth It?
The Chase Freedom Rise® can be worth considering if you are new to credit and want a no-annual-fee card that combines credit building with cash-back rewards. Its strongest appeal is its focus on people who are establishing credit rather than its ability to compete with cards designed for consumers with long credit histories.
For someone with limited or no credit history, the combination of credit-building tools, potential credit-line growth and cash-back rewards makes the Freedom Rise® a card worth researching.
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Chase Freedom Rise® Review: Bottom Line
The Chase Freedom Rise® is a straightforward credit-building card for people who are new to credit. Its focus on establishing credit, combined with cash-back rewards and no annual fee, gives it a useful place among cards aimed at first-time and newer credit-card users.
If you are researching the card, our Chase Freedom Rise® benefits guide covers its individual features, while our Chase Freedom Rise® credit limit guide focuses specifically on the card's credit line.
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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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