Chase Freedom Rise Credit Card Review (New Card, No Credit History Required)

Non-affiliate disclosure: all information about the this card have been collected independently by US Credit Card Guide and has not been reviewed by the issuer.

Chase Freedom Student Review

2023.6 Update: New card. No credit history required.

Application Link


  1. $25 offer: earn a $25 statement credit after signing up for automatic payments within the first 3 months. 
  2. Earn 1.5% cash back on everything.
  3. Although this card is advertised as a cash back card, it actually earns Ultimate Rewards (UR) points. We estimate that Ultimate Rewards (UR) points are worth about 1.6 cents/point, see below for a brief introduction. So the 1.5x UR earning rate is worth about 2.4%!
  4. No annual fee.


  1. It has foreign transaction fee, so it's not a good choice outside the US.

Introduction to UR Points

Recommended Application Time

  1. You can get approved even with no credit history at all! (SSN required)
  2. Having a Chase checking account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise.
  3. [5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application on this card, no matter how high your credit score is. The number of new accounts includes all credit card accounts, not only Chase accounts. See this post for details about how to possibly bypass this rule.


This is a card designed for people with no credit history by Chase. Although sign up bonus is not great, this card has a decent earning rate as your first credit card. I guess after one year you can also convert it to better cards such as Chase Freedom Flex (CFF) or Chase Freedom Unlimited (CFU).

Related Credit Cards

After Applying

  • Call 800-436-7927 to check Chase application status. This is an automated telephone line, and the information has the following meanings: Receive decision in 2 weeks means your application is probably approved; Receive decision in 7-10 days means your application is probably rejected; Receive decision in 30 days simply means your application requires further review and there’s nothing to tell you for now.
  • Chase reconsideration backdoor number: 888-270-2127 or 888-609-7805. Call it if you didn’t get approve immediately. Your personal information will be acquired and they will then review it. You seldom answer questions, instead, just enjoy the music and then you get approved or rejected, or further information is needed to be hand in to the branch or faxed.

Historical Offers Chart

Application Link

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