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Chase · credit
Last updated
Welcome offer — No traditional welcome bonus; a credit-builder card Inferred by source
Apply on Chase's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs building / no credit credit (under 580 or no history) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 1.5× | Every purchase Inferred by source |
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| Autopay enrollment credit | $25/yr · one-time Inferred by sourceenroll |
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No lounge access.
| Credit-builder benefits | No credit history needed; free credit score; credit-limit review after 6 months of on-time payments; auto-evaluated to upgrade to Freedom Unlimited Inferred by source |
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Using Freedom Rise at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each transaction, whichever is greater Inferred by source |
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| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance plus the 3% foreign transaction fee — and the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Chase Freedom Rise® has no annual fee.
The Chase Freedom Rise® earns Redeem for cash back, statement credit, gift cards or Chase Travel.
No — the Chase Freedom Rise® does not include airport lounge access.
Yes — the Chase Freedom Rise® charges a 3% foreign transaction fee.
No traditional welcome bonus; a credit-builder card. Welcome offers change frequently — confirm the current one on the issuer's page before applying.