FREEDOM RISE®
GET THE CREDIT, KEEP THE CASH BACK
Start building credit now and get cash back with every purchase.
1.5% CASH BACK ON EVERYTHING YOU BUY, EVERY DAY
Cash back on everything—so with your new pants, you'll also get 1.5% cash back to put in the pockets.
Say yes to no annual fee
Chase Freedom Rise® has no annual fee. That's right, no annual fee, ever. None. Nada. Zero. Zilch.
Turn good financial habits into a card upgrade
You will be automatically evaluated each year to upgrade to your first Chase Freedom Unlimited card when:
- Your Freedom Rise account is open and you’ve made a purchase on your Rise card in the past 12 months
- You’ve made all payments on time to all financial lenders in the past 12 months, and none of your Chase accounts are suspended
And say adios to late fees
Get a $25 statement credit when you sign up for automatic payments within the first three months and remain enrolled for at least 90 days.
Fraud alerts for you
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
WE KNOW APPLYING CAN BE STRESSFUL. WE MADE IT SIMPLE
What to bring
Get together your Social Security number or ITIN (Individual Taxpayer Identification number), your address, proof of income (like pay stubs or self-employment documents), and your phone number.
What to know
When you apply, you'll be asked about how much you spend on housing or if you want to have anyone else on your card.
WATCH KEVIN HART SCHOOL DAUGHTER HEAVEN ON CREDIT CARD BASICS
Despite Kevin's wealth, he always stresses the importance of his kids making their own way. Enjoy our series that shows what happens when his daughter Heaven starts looking for her first credit card before going off to college. It’s a family affair that addresses every day financial questions and challenges.
Everything you should know when applying for a credit card online
What does pre-approved mean for a credit card?
How to activate your new credit card
CARD BENEFITS THAT MAKE LIFE EASIER
Chase Mobile app®
Use the app to make payments, deposits, and transfers, check your rewards, manage spending, lock or unlock your card, and more.
Chase Credit Journey
Your credit score is like a snapshot of your credit history. Check it any time with Chase Credit Journey, learn how to improve it, and get alerts if it changes.
Zero Liability Protection
Zero Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card.
Chase Pay Over Time®
Access more options to pay over time for eligible purchases made on your participating Chase credit card. With Pay Over Time, you can break up eligible purchases you've already made, and, coming soon, at checkout when you shop online at Amazon.com.
REDEEMING IS EASY, TOO
Check out your rewards
Sign in to the Chase Ultimate Rewards® Portal to see how much you’ve earned and all the ways you can spend your rewards, including travel.
Redeem for cash
The purest form of cashbacking. Redeem for cash at any time, for any amount, and spend it however you like. It’s your money.
Pay with points
You can use your points to buy gift cards, shop with selected merchants, redeem for dining experiences, or apply them to your card statement.
WANT TO EARN MORE CASH BACK?
Keep up good habits for a year and we’ll automatically upgrade you to the Chase Freedom Unlimited card. With the upgrade, in addition to earning 1.5% cash back on every purchase, you’ll get 3% on dining and drugstores, and 5% on Chase Travel. Plus, the automatic upgrade is easy: Just make a purchase and all your minimum payments on time for your first year.
NOT THE RIGHT CARD FOR YOU?
EXPLORE MORE WAYS TO CASHBACK
Freedom Unlimited®
Big rewards, ultimate simplicity
Earn big without having to think about it. Freedom Unlimited rewards you automatically with 1.5% cash back on every purchase, 5% on travel purchased through Chase, and 3% on dining, takeout, and drugstores. Redeem for any amount, any time, and use your rewards however you like.
Freedom Flex®
Bonus categories, bonus earnings
Freedom Flex lets you shop strategically for bigger rewards. Earn 1% on everything, plus 5% cash back on rotating quarterly bonus categories, 5% on travel, 3% on dining, and 3% on drugstore shopping. And Freedom Flex is easy to use—we’ll remind you when new bonus categories kick in, and once you activate, rewards are automatic.
FREQUENTLY ASKED QUESTIONS
Commonly asked questions about credit, answered for you!
A credit score is a number from 300 to 850 that tells banks how likely you are to pay your debts on time --the higher the number, the better. It's calculated based on factors like your payment history, amount of debt and the length of time you've held credit in your name.
Without a good credit score, life becomes more complicated. You can have trouble getting a credit card, renting an apartment and buying or leasing a car. Later on in life, it can get in the way of purchasing a home or making other big investments.
Who comes up with the credit score number? Most banks look at three credit bureaus: Equifax®, Experian® and TransUnion®. If you're someone who's never had credit, your credit score is probably pretty low because the credit bureaus don't have any information on you yet. Or, you might not have any record of credit at all. Don't worry, this is normal when you're starting out.
How can you establish credit? One of the best ways is to get a card that's designed for people new to credit, like Freedom Rise®. If you can't get a credit card on your own, you could ask one of your parents to be a cosigner or make you an authorized user on one of their cards.
Once you've established credit, make sure that you maintain a good credit score. You can keep an eye on it at chase.com/credit.
A higher credit score lets banks know you're financially responsible. This makes it easier to get approved for a new credit card like Freedom Rise℠, which has no annual fee and lets you earn cash back.
When you're ready to make a big purchase, like a car or home, a good credit score means you'll have a better chance of getting a lower interest rate. The lower the interest rate, the lower your monthly payment.
There are a lot of ways you can improve your score, but here's where you should start.
- Always pay your bills on time. Your payment history is one of the most important factors in your credit score, so consider setting up automatic payments so you don't forget.
- Watch your credit utilization ratio, which is the amount of credit you're using compared to your total credit limit. Pay down any credit cards where you owe more than 30% of your limit. Also, be careful about canceling credit cards because that could reduce your score.
- Check your credit report regularly. Order a free copy of your credit report from each of the three credit bureaus (Equifax®, Experian® and TransUnion®) at chase.com/credit.
To make all this easier for you, Freedom Rise comes with tools that help you manage your credit—including Chase Credit Journey®.
If you’ve done your research and found a credit card that’s right for you, the next step is applying. But before you do, make sure you’ve really looked at all your options. Applying for a card is easier than ever, but it’s not quite as effortless as grabbing your phone and tapping a “gimme credit” button. There are a few steps you need to follow so that everything goes smoothly.
Check your credit history
First, make sure there are no credit issues that could get in your way. Order a free copy of your credit report from each of the three credit bureaus (Equifax®, Experian® and TransUnion®) at chase.com/credit. Banks look at these reports to make sure you’re someone who pays bills on time, doesn’t miss payments and doesn’t already have too many credit cards for your income. If you see a mistake, you can dispute it with the bureaus to get it removed. If the issue is legitimate, the bureaus can give you information on repairing your credit. You should know that if you're new to credit, the bureaus may not have information about you. Don't worry. This is normal for new applicants.
Make sure you’ve picked the right card
Don’t apply for a bunch of credit cards all at once because it will lower your credit score. Instead, choose one that really fits your needs. For example: Freedom Rise® is a great first credit card. It has no annual fee and lets you earn cash back while you build your credit.
Gather all the information you’ll need
This will save time and prevent you from getting logged out while you run around looking for stuff.
- Your full legal name—the one that’s on your driver's license, passport or other legal documents
- Your Social Security Number (SSN) and/or Individual Taxpayer Identification Number (ITIN)
- Your mailing address where you want to receive your card and statements—this should match the address on your license, ID or other legal documents
- Your gross annual income—your salary before they take out taxes, plus any money you make from side hustles. This can even include funds you regularly receive from someone else, like money your parents give you to help with rent.
- Your employment status—full time, part time, freelance, etc. You may also need to provide your employer's phone number. Or if you are self-employed, a tax document like your federal or state returns.
- Your rent payment amount
- Your phone number—you might get a call for follow-up requests or questions
Stay safe
Before applying online, prevent your personal information from getting in the wrong hands by using a secured Wi-Fi network or your mobile data connection. Also, make sure both your web browser and OS are up to date.
Fill out the forms and apply
Most of the time, you’ll know if you’re approved right away, but sometimes it can take a few days. Once you’re approved, your card should arrive in about 7 to 10 days. When you get it, you’ll need to activate your account before you can start using it.
Remember: If you’re looking for a card that helps you build credit, plus gives you cash back on purchases, check out Freedom Rise.
If you're new to chase.com, choose "Not enrolled? Sign up now." to create a Chase Online℠ account.
Or use the Chase Mobile® app
Make a payment from your mobile device. Learn how.
Helpful tip videos
Give paperless a try
Paperless statements allow you to access your statement virtually anytime, from anywhere with Chase Online℠ or the Chase Mobile® app. And you always have the option of going back to paper statements if you choose.
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