The Freedom Rise credit card is a popular starter credit card from Chase. It helps people build credit without paying an annual fee. Many new credit users apply for it to establish a strong credit history.
It offers unlimited 1.5% cash back on all purchases. It also includes a $25 statement credit if you set up automatic payments within 90 days. The card is unsecured, so you don’t need to put down a deposit. That makes it a good choice for people with no or low credit scores.
Key Features of the Freedom Rise Credit Card
This card gives simple benefits that many users can enjoy. Here are the main features:
- No annual fee: You pay $0 each year.
- Unlimited 1.5% cash back: Earn this on every purchase.
- $25 statement credit: You must set up autopay to get it.
- No deposit required: You get a regular credit card.
- Credit limit increases: Chase may raise your limit if you pay on time.
These perks help you use the card without complexity. You don’t have to track rotating categories or special categories.
How the Cash Back Works?
The Freedom Rise credit card earns 1.5% cash back on everything. You don’t have to worry about changing categories. The cash back is easy to understand and simple to use. Chase deposits it into your account. You can also apply it as a statement credit. You earn more over time by spending normally.
How It Helps Your Credit Score?
This card is made for credit building. Chase reports to the three main credit bureaus. These are Equifax, Experian, and TransUnion. Reporting helps your credit history grow. You gain a credit score as you use the card responsibly.
Choose to pay the full balance each month. That leads to on‑time payments. That builds your score quickly. You will also get automated credit tools from Chase. These include alerts and score tracking. Such tools help you manage your progress.
Autopay Bonus and How It Works
To collect the $25 statement credit, you must enroll in auto pay. Once you do that, the bonus applies in about 1–2 billing cycles. That is a simple way to get extra value. You will also never forget to pay on time. This helps you build a positive credit record.
How the Freedom Rise Credit Card Compares?
Here is a comparison table. It shows how this card stacks up against common alternatives.
| Card | Annual Fee | Cash Back | Intro Offers | Good for |
| Freedom Rise credit card | $0 | 1.5% flat | $25 after autopay | Beginners & credit‑building |
| Capital One Quicksilver | $0 | 1.5% flat | $200 after $500 spend | Simple flat cash back |
| Discover it® Secured | $0 | 2% at gas/groceries up to $1k mo | “Cashback Match” first year | Secured credit card users |
| Citi Double Cash | $0 | 2% back (1% buy, 1% pay) | No sign-up bonus | Users with fair credit |
This makes it easy to see where the Freedom Rise credit card fits. It is great for new users. It lacks big introductory bonuses but excels at simplicity and credit building.
Fees, Rates, and Other Terms
Here are the key terms in simple language:
- APR: The rate is variable, around 25–26%. You should avoid carrying a balance.
- Foreign transaction fee: It charges 3% on other countries’ purchases.
- Late payment fee: Up to $40, per Federal rules.
- Credit limit: Usually starts around $500–$1,500. It can grow with good use.
These terms match other starter credit cards. The high APR is normal but avoid debt. The foreign fee makes it less ideal abroad.
Table: Fees & Rates at a Glance
| Fee Type | Amount |
| Annual Fee | $0 |
| APR (Variable) | ~25% |
| Foreign Transaction Fee | 3% |
| Max Late Fee | $40 |
| Cash Back Rate | 1.5% on all purchases |
| Autopay Bonus | $25 after setup within 90 days |
| Typical Starting Credit Limit | $500–$1,500 |
Real User Experience
Many users say the Freedom Rise credit card helped them build credit fast. They praise the autopay setup and simple cash back system. One user wrote: “I had no credit and they gave me a $500 limit. I paid on time and got it raised in 6 months.” Another noted the daily cash back payouts showed up right after purchases.
Pros and Cons in Short Words
Here is a simple summary:
Pros:
- Card has no annual fee.
- Card earns a flat 1.5% back on all purchases.
- Card helps build credit score quickly.
Cons:
- APR is high, so don’t carry a balance.
- No intro period for balance transfers.
- They charge 3% if you use it abroad.
Tips for Best Use
To use the Freedom Rise credit card well, follow these tips:
- Always set up autopay to get the $25 bonus and avoid missed payments.
- Pay in full each month to avoid the high APR.
- Use it for everyday spends like groceries and phone bills.
- Check for credit limit increases after 6 months of good use.
- Watch your card activity and score with Chase online tools.
Is This Card Right for You?
Ask yourself these questions:
- Are you new to credit or rebuilding it?
- Do you want cash back without tracking categories?
- Will you pay in full each month to avoid interest?
- Do you not travel internationally often?
If you answered “yes” to these, this card could fit you well. It sits among the simplest credit tools. The card makes it easy to build financial strength early on.
Frequently Asked Questions
Do I need a security deposit?
No. The Freedom Rise credit card is an unsecured card. You just need approval based on your credit status.
How and when will I get the $25 bonus?
You must enroll in autopay within 90 days of account opening. The bonus shows as a statement credit a billing period later.
Can I earn more cash back on certain categories?
No. The card gives 1.5% cash back on all purchases. There are no bonus categories.
Will this help my credit score?
Yes. Chase reports your activity each month. Paying on time and using responsibly builds your credit.
When can I get a higher credit limit?
Chase reviews accounts after 6 months. You might get an increase automatically if you show good use.
Conclusion
The Freedom Rise credit card is a smart pick for beginners. It offers simple cash back, reliable autopay bonus, and no annual fee. It also includes credit‑building tools that Chase offers. The flat 1.5% return helps consistently build rewards. The only downsides are the high APR and foreign fees. But if you pay in full each month and don’t travel abroad often, they won’t matter. Use it often for groceries, bills, and daily buys. Then watch your credit score grow over time.
This card makes it easy to start building credit the right way. If you plan to upgrade after a year, the journey can lead to stronger cards and perks. The Freedom Rise credit card sets you on a smooth and secure path toward financial stability.
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