Chase Freedom Rise® Credit Card

A credit-building card earning 1.5% cash back on all purchases with no annual fee. Reports to all three credit bureaus to help build your credit history.

Last checked on July 23, 2026. We may earn a commission when you click through.

✓ 1.5% cash back on all purchases ✓ No annual fee ✓ Reports to all three credit bureaus

Visa

Chase Freedom Rise® Credit Card

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Advantages

✓ 1.5% cash back on all purchases
✓ No annual fee
✓ Reports to all three credit bureaus
✓ Good option for building credit
✓ Automatic payments can earn rewards

Considerations

✗ High variable APR (24.49%-31.49%)
✗ No sign-up bonus
✗ Limited rewards compared to some competitors
✗ Requires a Chase checking or savings account for better approval chances
✗ May not be ideal for those carrying a balance

Our Take

The Chase Freedom Rise® is a solid choice for those new to credit, offering cash back without an annual fee. However, its high APR may be daunting for some users.