Chase
Chase Freedom Rise benefits and annual fee
No annual fee · Earns Ultimate Rewards
A no-annual-fee starter card for those new to credit or students. Earns 1.5% cash back on all purchases plus a limited-time 3% on dining, with no security deposit required.
Maintained by Creddy Editorial · Catalog checked Sep 3, 2026
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Dining | 3x | |
| Everything else | 1.5x |
How to evaluate this card
Compare the annual fee with benefits you can realistically use. Check enrollment requirements, merchant restrictions, reset timing, and the issuer's current terms before applying. Creddy shows face values for planning, but usable value depends on your account and spending.
Benefits
Bonus Earnings
- Dining Cash Back (Introductory Period)3%
New cardmembers earn 3% cash back on dining at restaurants, including takeout and eligible delivery, on up to $6,000 spent within the first 6 months of account opening. Once you hit the $6,000 cap or the 6-month window closes, the standard 1.5% rate applies.
Checked Sep 3, 2026 - Unlimited Cash Back on All Purchases1.5% / yr
Every purchase earns 1.5% cash back with no spending caps and no categories to keep track of. Rewards accumulate as Chase Ultimate Rewards points and can be redeemed for cash back, statement credits, gift cards, or travel.
Checked Sep 3, 2026
Statement Credits
- DoorDash Non-Restaurant Order Discount$10 / qtrTrackable
As a DashPass member, get up to $10 off per quarter on non-restaurant orders placed through DoorDash, such as grocery or convenience store deliveries. The discount applies automatically at checkout on eligible orders. This benefit is available through Dec 31, 2027.
Resets: QuarterlyChecked Sep 3, 2026 - Autopay Enrollment Statement Credit$25TrackableEnrollment required
Set up automatic payments within your first 3 months and stay enrolled for at least 90 days to receive a one-time $25 statement credit. This is a new cardmember offer - you must enroll during that initial window to qualify. Allow 6-8 weeks after qualifying for the credit to appear.
Resets: One timeChecked Sep 3, 2026 - Refer-a-Friend Cash Back$250 / yrTrackable
Earn $25 cash back for each friend you refer who is approved for a Chase Freedom Rise card. Share your referral link and cash back posts after your friend's card is approved. You can earn up to $250 in referral cash back per calendar year.
Resets: Calendar yearChecked Sep 3, 2026
Travel Insurance
- Trip Cancellation and Interruption Insurance
Covers pre-paid, non-refundable passenger fares if your trip is canceled or cut short due to sickness, severe weather, or other covered reasons. Pay for the trip with your card to be eligible. Coverage is up to $1,500 per covered traveler and $6,000 per trip.
Checked Sep 3, 2026
Purchase Protection
- Extended Warranty Protection
Adds one extra year to a manufacturer's U.S. warranty when you pay with your card. Only warranties of three years or less are eligible, and total coverage cannot exceed four years from the purchase date. Keep your receipt and original warranty documentation to file a claim.
Checked Sep 3, 2026 - Purchase Protection
New purchases made with your card are covered against damage or theft for 120 days from the purchase date. File a claim if an item is stolen or accidentally damaged within that window. Coverage is up to $500 per claim.
Checked Sep 3, 2026
Concierge & Membership
- Complimentary DashPass MembershipEnrollment required
Get 6 months of free DashPass membership, which unlocks $0 delivery fees and lower service fees on eligible DoorDash and Caviar orders. Activate the benefit by Dec 31, 2027. After the free period, you are automatically enrolled at the standard monthly rate unless you cancel.
Checked Sep 3, 2026
Fees & Miscellaneous
- Upgrade to Freedom Unlimited
Chase reviews your account on its anniversary date to see if you qualify for an upgrade to the Chase Freedom Unlimited, which offers stronger rewards in select categories. No new application or hard credit inquiry is required for eligible cardholders - upgrade eligibility is based on account standing and is not guaranteed.
Checked Sep 3, 2026 - Zero Liability Protection
You won't be responsible for unauthorized charges made with your card or account information. Report suspected fraud to Chase and the charges will be reviewed and removed if confirmed unauthorized. This protection applies to both physical card and account number misuse.
Checked Sep 3, 2026 - No Annual Fee
This card carries no annual fee - there is no yearly charge to maintain your account or access any of its benefits.
Checked Sep 3, 2026
Related credit card guides
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Chase Freedom Rise questions
- Is the Chase Freedom Rise worth its annual fee?
- Compare the current annual fee with the benefits and rewards you would actually use. A listed credit has less value if its restrictions do not fit your spending.
- What benefits does the Chase Freedom Rise include?
- Creddy currently lists DoorDash Non-Restaurant Order Discount, Autopay Enrollment Statement Credit, Refer-a-Friend Cash Back. Open the benefit details above and confirm eligibility with Chase.
- What is the Chase Freedom Rise annual fee?
- Creddy's catalog currently lists no annual fee. Confirm current pricing with Chase before applying or renewing.
- Does the Chase Freedom Rise have a welcome offer?
- Offers change and can depend on eligibility. Check Chase's current application terms for the available bonus, spending requirement and deadline.
- Who might benefit from the Chase Freedom Rise?
- It may fit someone whose normal spending matches its earning rates and who can use enough listed benefits to justify the fee. Compare alternatives before applying.
- How does the Chase Freedom Rise compare with other Chase cards?
- Compare annual fees, earning rates and benefits across the Chase cards in Creddy's catalog. The right choice depends on your spending and which perks you can use.