For readers prioritizing payment habits and a first credit account over complex travel benefits. Entry-level does not mean guaranteed approval.
Referral disclosure · This product links to its official information page, separately from our Tesla and personal Sapphire referrals. Read the full disclosure
Key earning benefits
| Purchase type | Earning terms |
|---|---|
| Base rewards | 1.5% on eligible purchases |
| Promotional dining offer in original review | 3% total for the first six months on up to $6,000; confirm the current offer |
This is a summary. Merchant categories, eligible purchases and exclusions affect rewards. For full benefits and final terms, see Chase official product information.
Conditions to check before applying
Promotional dining rates are temporary. The reviewed Chase guidance says a qualifying $250 deposit balance may improve approval chances for some first-time card applicants, but it is neither a universal requirement nor a guarantee.
Welcome offers vary by application channel and date. Check eligibility, required spending, deadline, APR and fees on the application screen. Spending more or earlier than planned can reduce the actual value of a bonus.
Apply it to your own spending
$500 in eligible purchases earns $7.50 at 1.5%. Interest can quickly exceed that amount, so staying within budget matters more than small rewards.
What an owner reported
One applicant with no prior credit history reported approval for Freedom Rise as a first card. That is a data point, not a guaranteed entry path.
For a first card, focus on a balance you can pay in full and a due-date routine. Interest can overwhelm small differences in rewards rates.
Frequently asked questions
Is there a credit score that guarantees approval?
No single score guarantees approval. The issuer considers credit history, income and other factors. Read Credit scores and preapproval.
Is a referral offer always better than a public offer?
Compare the conditions for each application channel, including spending requirements and bonus eligibility. Our referral offer guideexplains what to check.
Other cards to compare
Chase Freedom Unlimited · Annual fee $0
Simple everyday cash back without managing rotating categories.
Chase Freedom Flex · Annual fee $0
Rotating category cash back for readers comfortable with quarterly activation.
Sources and update history
Official Chase Chase Freedom Rise product and offer terms ↗First-hand user report ↗2026-09-10 · Official terms and an attributed owner report. Examples are illustrative, not our own use or personal financial advice.
Editorial and corrections policyFreedom Rise: review the current terms
Review benefits and application terms on the official product page below.
View official terms (opens in a new tab)Approval, purchases and rewards are subject to the provider’s eligibility rules and terms.