Does the Chase Freedom Rise have an annual fee?

No. Our record lists a $0 annual fee for the Chase Freedom Rise.

Is the Chase Freedom Rise worth it in the first year?

Using our illustration ($12,000 of yearly spending), the first year comes out around $180 before credits, including a welcome bonus valued at $0. Year two drops to about $180 before credits.

Does the Chase Freedom Rise charge foreign transaction fees?

Yes, 3% on purchases processed outside the US, so keep another card for travel abroad.

What credit do I need for the Chase Freedom Rise?

Our record lists "New to Credit / Limited Credit" credit as the typical target for the Chase Freedom Rise. Chase makes the final decision based on its own criteria.

Chase Freedom Rise Credit Card

Chase

No Annual Fee

Annual Fee

visaNew Creditcash-backno-annual-fee5 months ago

Welcome Offer

No Welcome Offer

Check issuer terms ↗

OpenCard editorial analysis

Our take

A starter-oriented no-fee Chase card for people establishing credit and beginning a relationship with the issuer. Approval fit, responsible payment, and account longevity matter more than maximizing rewards. It should be treated as a credit-building foundation rather than a reason to spend more or rush into additional cards.

Best for

✓ People new to credit
✓ Applicants beginning a Chase relationship
✓ Cardholders seeking a no-fee account to keep long term

Not ideal for

— Established profiles seeking the highest rewards
— International spenders if foreign transaction costs apply
— Anyone expecting premium travel benefits

Conservative break-even test

There is no annual fee. Compare approval fit, fees, credit tools, and rewards with other starter cards. Paying the statement in full is worth far more than any rewards earned; interest immediately overwhelms the card's value.

Compare this shortlist →Track benefits in My Cards →

Compare alternatives

Discover it Secured →

Secured path for applicants who need a deposit-backed option.

Chase Freedom Unlimited →

Stronger rewards when the credit profile supports approval.

OpenCard analysis

Is the Chase Freedom Rise Credit Card right for you?

The Chase Freedom Rise is a no-annual-fee cash-back card from Chase. It earns a flat 1.5% on purchases. With no fee, it only needs to beat the flat rate your current card already pays.

Who it's for

✓ Anyone who wants flat-rate rewards without paying an annual fee
✓ People who want one rate (1.5%) everywhere without tracking categories

Who should skip it

— Anyone spending abroad — it charges a 3% foreign transaction fee

First-year value estimate

Welcome bonus

Rewards on spending

$180

Annual fee (year 1)

−$0

Year 1, before credits

$180

Year two, without the welcome bonus: about $180 before credits ($180 in rewards minus the $0 fee).

Assumptions

$12,000 a year of purchases at 1.5%, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
No welcome bonus is listed in our record, so none is counted.
No annual fee in any year.
Recurring credits are listed separately below and are not counted here.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-29.

How the fee is offset by credits

With no annual fee, any credit you use is pure upside.

Credit	Terms	Per year (face value)
DoorDash Non-Restaurant Credit	$10 per quarter, enrollment required	$40
Total face value		$40

How it compares

Discover it Secured →

Discover, same $0 annual fee; earns 5% on Rotating Categories (activate quarterly).

Chase Freedom Unlimited →

Chase, same $0 annual fee; earns 3% on dining.

Bank of America Travel Rewards →

Bank of America, same $0 annual fee; earns 1.5% on everything.

Compare side by side →

Rules and gotchas

One of the listed credits requires enrollment before it works.
A 3% foreign transaction fee applies to purchases processed outside the US.

Frequently asked questions

Does the Chase Freedom Rise have an annual fee?: No. Our record lists a $0 annual fee for the Chase Freedom Rise.
What does the Chase Freedom Rise earn?: A flat 1.5% on purchases.
Is the Chase Freedom Rise worth it in the first year?: Using our illustration ($12,000 of yearly spending), the first year comes out around $180 before credits, including a welcome bonus valued at $0. Year two drops to about $180 before credits.
Does the Chase Freedom Rise charge foreign transaction fees?: Yes, 3% on purchases processed outside the US, so keep another card for travel abroad.
What credit do I need for the Chase Freedom Rise?: Our record lists "New to Credit / Limited Credit" credit as the typical target for the Chase Freedom Rise. Chase makes the final decision based on its own criteria.

Earning Rates

1.5×All purchasesUnlimited 1.5% cash back on every purchase

Benefits & Credits

$10

DoorDash Non-Restaurant Credit

Up to $10 off one qualifying non-restaurant DoorDash order each calendar quarter (DashMart, 7-Eleven, CVS, Safeway, etc.). Requires active DashPass enrollment. Per Chase cobrand-doordash terms.