The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Best for building credit
$25 statement credit
Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
1.5% cash-back
$0
18.24% - 27.74% Variable
Excellent, Good, Limited
The Chase Freedom Rise® is one of the strongest starter credit cards available, thanks to its combination of no annual fee, no security deposit requirement and straightforward cash-back rewards. Unlike many cards geared toward consumers with limited credit history, it offers a path into the Chase ecosystem, including potential credit line increases and future upgrade opportunities to more rewarding Chase cards. Whether you're opening your first credit card or establishing credit for the first time, the Freedom Rise provides an accessible and rewarding place to start.
Read the full reviewThe Chase Freedom Rise is a great choice for consumers who are new to credit and want an easy way to establish a positive credit history. Unlike many competing starter cards, it doesn't require a security deposit and still rewards cardholders for everyday spending.
The Chase Freedom Rise keeps earning rewards simple. Cardholders earn unlimited 1.5% cash back on all eligible purchases, with no bonus categories to track and no activation requirements. Rewards are earned as Chase Ultimate Rewards points and can be redeemed for cash back, statement credits, gift cards, travel booked through Chase Travel℠ and purchases through select partners such as Amazon and PayPal.
Rewards Rates
Intro Offer
Best for building credit
$25 statement credit
Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
Ongoing Purchases APR
18.24% - 27.74% Variable
Ongoing Balance Transfer APR
18.24% - 27.74% Variable
Ongoing Cash Advance APR
28.49% Variable
Ongoing Penalty APR
Up to 29.99%
Annual Fee
$0
Recommended Credit
Excellent, Good, Limited
More Details