Edited by: Keri Stooksbury
& Juan Ruiz
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The Chase Freedom Rise card is the perfect option for those starting their credit journey that also want to earn cash-back rewards.
Those who are just getting started with their credit journey will love the Freedom Rise card. For starters, it offers a great bundle of credit-building benefits like free credit scores with Chase Credit Journey, a credit limit increase after 6 months of on-time payments, and a $25 statement credit for enrolling in automatic payments.
Additionally, users earn 1.5% cash-back on all purchases and 5% cash-back on Lyft rides through March 2025 and also have access to purchase protection and extended warranty protection, all with no annual fee.
While the card doesn’t offer a traditional welcome bonus, new cardholders can receive a $25 statement credit after signing up for automatic payments within the first 3 months of opening their account.
Using a Freedom Rise card as your payment method on Lyft earns 5% cash-back, instead of the usual 1.5%, on all rides through March 31, 2025.
The card gives you 3 free months of DoorDash DashPass. DashPass offers unlimited deliveries with a $0 delivery fee and reduced service fees. After the free period, you can receive 50% off your DashPass subscription for the next 9 months.
Naturally, you’ll want to use your card as often as possible to earn as much cash-back as possible, provided you pay off your monthly balance.
When you are ready to redeem your cash-back, you can receive a statement credit or direct deposit into most U.S. checking and savings accounts. You can also use your cash-back toward travel purchases made through the Chase travel portal, toward Amazon orders, and on select merchant gift cards.
The Discover Secured card is another great option for those looking to build or rebuild their credit. While it does require at least a $200 deposit, which will act as your credit line, you can get your deposit back after 7 months of on-time payments.
Plus, the card has no annual fee, earns 2% cash-back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% cash-back on all other purchases, and you’ll get an unlimited dollar-for-dollar match of all the cash-back you earn at the end of your first year.
The information regarding the Chase Freedom® Student Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The exact credit limit you are given on the Freedom Rise card will depend on a handful of factors like your credit score, years of credit history, income, and more. That said, everyone approved for the card will have a credit limit of at least $500.
The Freedom Student card has been discontinued. The primary option for those looking for a Chase card to build or rebuild their credit is the Freedom Rise card.
If you are looking for a credit card to help you build your credit history that does not require a deposit, does not charge an annual fee, earns cash-back rewards, and offers purchase protections, then yes, the Freedom Rise card would be worth it for you.
No minimum credit score is needed to be approved for the Freedom Rise card, as the card is designed for those looking to build or rebuild their credit score. That said, Chase notes that having a Chase checking account with a balance of at least $250 will increase your chances of getting approved for the Freedom Rise card.
No, the Freedom Rise card does not require a security deposit.