Chase · Visa
Chase Freedom Rise
First Card / Building Credit
No annual fee
Why people consider it
- 1.5x on every purchase.
- Simple 1.5x on everything.
Current welcome offer
Welcome offer: +$25
Requirement: No spend requirement
Current offer shown; issuer determines eligibility.
Details: $25 statement credit for enrolling in autopay within 3 months. Verified on the issuer page 2026-10-06 — the earlier 3% dining welcome boost is no longer shown.
Recommended credit score: 580+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Is this card worth it?
Ongoing value
$864/year
for the sample household ($4,800/month) · points at typical value
First-year value
$889 first year
Includes: +$25 welcome offer
$25 is one-time. $864/year is ongoing.
To earn the bonus: no spend requirement.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- none
- Major trade-offs:
- No bonus categories May require Chase checking account
- Against a no-fee alternative:
- This is a no-fee card — nothing to earn back.
Detailed research
Full reward table and category caps
Optional benefits and credits
Perks (not counted in our math)
Eligible for review in as soon as 6 months
Approval and bonus eligibility caveats
Recommended credit score: 580+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Chase's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + 1.5% on everything with no annual fee
- + Designed for limited credit history
- + Chase ecosystem — upgrade path to Sapphire
- + DashPass included
Cons
- - No bonus categories
- - May require Chase checking account
- - Lower credit limits at first
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.