Chase Freedom Rise Credit Card
Issued by Chase (JPMorgan Chase & Co.) · Visa network · Unsecured consumer card
At a glance
The Chase Freedom Rise Credit Card is a credit building consumer credit card issued by Chase on the Visa network. Its current annual fee is $0. It is accepting new applications. Terms were last independently verified on 2026-08-30.
Current rates and fees
From the issuer’s official pages and agreement. Each value shows its source, confidence, and last-verified date.
Interest
Page displays the formula: Prime (6.75%) + 11.49%–20.99%, capped at 29.99% — the identical margin structure Chase uses on Freedom Unlimited.
Chase — official card page (renders the Prime + margin formula)verified 2026-08-30
Chase — official card pageverified 2026-08-30
Fees
Chase — official card pageverified 2026-08-30
Rewards
Chase — official card pageverified 2026-08-30
The 3%-on-dining figure is a time-and-spend-limited new-cardmember offer, not a permanent category rate — the ongoing rate on every purchase is 1.5%.
Chase — official card pageverified 2026-08-30
Chase — official card pageverified 2026-08-30
Credit building
Benefits and protections
Advertiser Disclosure: Some links on this page may earn a commission.
Confirm before you apply
Rates, fees, offers, eligibility, and benefits change often. Confirm the final terms directly with the issuer’s official page or the CFPB card-agreement database before applying.
Modeled cost
True cost of this card
True-cost calculator
Illustrative math from this card’s APR. Nothing you enter is stored. This shows costs — it does not predict your rate or approval.
Cost of carrying a balance for a year
| Balance carried | Interest / month | Interest / year |
|---|---|---|
| $1,000 | $19.16 | $229.9 |
| $3,000 | $57.47 | $689.7 |
| $5,000 | $95.79 | $1,149.5 |
Paying only the minimum on $3,000
1200 months
About $42,746.11 in interest (2% minimum, $25 floor).
$5,000 balance transfer (3% fee, 15-mo intro, $300/mo)
$170.73 total cost
$150 upfront fee, plus post-intro interest at 22.99%.
Simplified illustrations. Real interest depends on your exact APR, balance, timing, and payments. The clearest way to avoid all of this is to pay the statement balance in full.
Our independent analysis
Editorial rating
4.24.2 out of 5
How this score was calculated
| Dimension | Weight | Score |
|---|---|---|
| Reports to all three bureaus | 30% | 3.5/5 |
| Total cost | 25% | 4.5/5 |
| Growth / graduation path | 20% | 5/5 |
| Approval accessibility | 15% | 4/5 |
| Terms transparency | 10% | 4.5/5 |
Methodology 2026.07 · full methodology · No active partner relationship for this card as of 2026-08-24. If one begins, it cannot affect this card's score, category ranking, or buyer-beware tier — see /advertiser-disclosure for the full firewall policy.
Chase discontinued its old Freedom Student card to new applicants on 2023-06-11; Freedom Rise is the live successor, and its own product page states "Best for: New to Credit and Students" directly — the reason it carries the student tag here even though it is not exclusively a student product. Its standout feature is the clearest graduation path in this corpus: an automatic annual evaluation to upgrade to Freedom Unlimited, plus a credit-line-increase review in as soon as 6 months. Neither a foreign-transaction fee nor a penalty APR is stated on the rendered page, so both stay unverified rather than guessed.
Advantages
- Explicit, dated automatic-upgrade path to Chase Freedom Unlimited
- No annual fee; transparent Prime-based APR formula
- New-cardmember 3% dining bonus and $25 autopay credit (both limited-time)
Watch for
- Foreign-transaction fee is not stated on the product page
- Approval odds improve with an existing Chase checking/savings balance, which not every first-time applicant has
- Ongoing rewards are a flat 1.5% once the dining promo period ends
Best for: First-time credit users — students or not — who want a documented path to upgrade to a full rewards card.
Credit Defense Hub Editorial Team · reviewed 2026-08-30 · Pending named subject-matter review Editorial analysis is independent and separate from the issuer and from consumer reviews.
Extractable answers
Quick answers
- Who issues the Chase Freedom Rise Credit Card?
- It is issued by Chase (legally, JPMorgan Chase Bank, N.A.) on the Visa network.
- What does the Chase Freedom Rise Credit Card cost?
- The annual fee is $0. Verified 2026-08-30. The purchase APR is variable and depends on creditworthiness — confirm the current range with the issuer.
- Is the Chase Freedom Rise Credit Card accepting new applications?
- Yes, as of our last verification. Availability can change — confirm on the issuer’s page.
- Does the Chase Freedom Rise Credit Card help build credit?
- Like most major cards, on-time payments and low utilization generally help build history over time; check the issuer’s reporting practices.
- What should someone verify before applying?
- The current APR range, the annual and foreign-transaction fees, any welcome-offer terms, and whether the reward or benefit you want still applies — all directly on the issuer’s page or card agreement.
- What should you do if something goes wrong with this card?
- For a wrong charge, use the issuer’s billing-dispute process (FCBA). For inaccurate credit reporting, dispute with the bureaus (FCRA). If it is not resolved, you can complain to the CFPB and your state attorney general. See our card-problem guides.
Current-fact answers reflect terms verified 2026-08-30; confirm with the issuer before applying.
What consumers report
No verified consumer reviews yet
This card has no published consumer reviews yet, so we are not showing consumer averages or complaint statistics — we never display percentages from a sample too small to be meaningful, and we never seed fake reviews. Be the first to share a genuine experience below.
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If your issue is about credit reporting or a dispute
When to talk to a professional
A consumer review is not a legal finding. If a card issuer reported inaccurate information, denied a valid fraud claim, or you were sued over a balance, those are situations where documenting the facts and — for lawsuits or unresolved FCRA/FDCPA problems — talking to a consumer attorney or legal aid can matter. You can also report issues to the CFPB.
See the issuer’s official page → for Chase Freedom Rise Credit Card
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.