Our illustration in the card’s colours, not its design
Chase credit card
Chase Freedom Rise Credit Card
No annual fee. $25 USD statement credit welcome bonus. Purchase APR 18.49–27.99%, variable.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · chase.com
“Earn a $25 statement credit when you sign up for automatic payments within the first three months of opening your account and remain enrolled for at least 90 days. * With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · chase.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · sites.chase.com
“18.49% to 27.99% , based on your creditworthiness and other factors.”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · chase.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
Chase’s terms
Welcome offer
$25 cash
$25 statement credit after you set up automatic payments during the first 3 months from account opening and remain enrolled for at least 90 consecutive days. Allow 6 to 8 weeks for the credit to post. Account must be open and not in default at fulfillment. May be reported on Form 1099-MISC or 1042-S.
- Smaller than about 100% of the 48 other cash bonuses we track.
Who can get it: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
“This credit card is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.”
The issuer’s terms, from its page, as of Oct 12, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $205 | $180 | |
| Typical spender | $475 | $450 | |
| Heavy spender | $1,015 | $990 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
$180a year
$205 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$450a year
$475 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$990a year
$1,015 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 80% of the 732 cards we track.
- No annual fee, like about 95% of the 48 cards on our Cash back list (see the list).
- Lower top APR than about 40% of the 163 cards on our Sign-up bonuses list (see the list).
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$160 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$150 a year
- Credit One Bank Omni RewardsCredit One · No annual fee+$150 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Chase Freedom Rise rewards program
How you earn
- 2%
- 2% cash back total on qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027 (0.5% additional on top of the 1.5% base); qualifying products include rideshare, bike and scooter rides, and subscription and membership products
- 1.5%
- Everything else
Cash back, as a share of each purchase.
Benefits
- Automatic payments enrollment statement credit: $25 one time
- Refer a friend cash back bonus ($25 for each friend who gets a Freedom Rise credit card; up to $250 cash back per year): $25 other
- Purchase protection: $500 per item
- Extended warranty
- Trip cancellation: $1,500 per covered traveler and $6,000 per trip
All 6 benefits
- Other
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · chase.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · sites.chase.com “18.49% to 27.99% , based on your creditworthiness and other factors.” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · sites.chase.com “18.49% to 27.99% , based on your creditworthiness and other factors.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · chase.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
Questions
- What is the annual fee?
- None · chase.com, since Oct 11, 2026
- Does it charge a foreign transaction fee?
- Yes: 3% of the amount of each transaction in U.S. dollars.. · chase.com, since Sep 29, 2026
- What is the purchase APR?
- 18.49–27.99% APR · sites.chase.com, since Sep 29, 2026
- Is there a welcome bonus?
- $25 USD statement credit. · chase.com, since Nov 1, 2026