Start building credit now and get cash back with every purchase.
Cash back on everything—so with your new pants, you'll also get 1.5% cash back to put in the pockets.
Chase Freedom Rise ® has no annual fee. That's right, no annual fee, ever. None. Nada. Zero. Zilch.
You will be automatically evaluated each year to upgrade to your first Chase Freedom Unlimited card when:
Get a $25 statement credit when you sign up for automatic payments within the first three months.
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
Get together your Social Security number or ITIN (Individual Taxpayer Identification number), your address, proof of income (like pay stubs or self-employment documents), and your phone number.
When you apply, you'll be asked about how much you spend on housing or if you want to have anyone else on your card.
Give yourself a better chance of approval by opening a Chase checking account before you apply and depositing $250.
Our bankers are on standby in your local Chase branch to answer your questions and help you with your application. Let’s get you started on your financial future.
Our bankers are on standby in your local Chase branch to answer your questions and help you with your application. Let’s get you started on your financial future.
Despite Kevin's wealth, he always stresses the importance of his kids making their own way. Enjoy our series that shows what happens when his daughter Heaven starts looking for her first credit card before going off to college. It’s a family affair that addresses every day financial questions and challenges.
Slide 1 of 3, show slides 1 through 3Heaven buys some dorm room basics with her debit card prompting Kevin to tell her the importance of establishing good credit habits
Sneaky spending from Heaven sparks a responsibility talk from Kevin
Heaven’s first credit card bill arrives, and Kevin has fatherly advice on how to handle the payment
Use the app to make payments, deposits, and transfers, check your rewards, manage spending, lock or unlock your card, and more.
Your credit score is like a snapshot of your credit history. Check it any time with Chase Credit Journey, learn how to improve it, and get alerts if it changes.
Zero Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card.
Access more options to pay over time for eligible purchases made on your participating Chase credit card. With Pay Over Time, you can break up eligible purchases you've already made, and, coming soon, at checkout when you shop online at Amazon.com.
Sign in to the Chase Ultimate Rewards ® Portal to see how much you’ve earned and all the ways you can spend your rewards, including travel.
The purest form of cashbacking. Redeem for cash at any time, for any amount, and spend it however you like. It’s your money.
You can use your points to buy gift cards, shop with selected merchants, redeem for dining experiences, or apply them to your card statement.
Keep up good habits for a year and we’ll automatically upgrade you to the Chase Freedom Unlimited card. With the upgrade, in addition to earning 1.5% cash back on every purchase, you’ll get 3% on dining and drugstores, and 5% on Chase Travel. Plus, the automatic upgrade is easy: Just make a purchase and all your minimum payments on time for your first year.
Big rewards, ultimate simplicity
Earn big without having to think about it. Freedom Unlimited rewards you automatically with 1.5% cash back on every purchase, 5% on travel purchased through Chase, and 3% on dining, takeout, and drugstores. Redeem for any amount, any time, and use your rewards however you like.
Bonus categories, bonus earnings
Freedom Flex lets you shop strategically for bigger rewards. Earn 1% on everything, plus 5% cash back on rotating quarterly bonus categories, 5% on travel, 3% on dining, and 3% on drugstore shopping. And Freedom Flex is easy to use—we’ll remind you when new bonus categories kick in, and once you activate, rewards are automatic.
Commonly asked questions about credit, answered for you!
What is a Credit Score?
A credit score is a number from 300 to 850 that tells banks how likely you are to pay your debts on time --the higher the number, the better. It's calculated based on factors like your payment history, amount of debt and the length of time you've held credit in your name.
Without a good credit score, life becomes more complicated. You can have trouble getting a credit card, renting an apartment and buying or leasing a car. Later on in life, it can get in the way of purchasing a home or making other big investments.
Who comes up with the credit score number? Most banks look at three credit bureaus: Equifax ® , Experian ® and TransUnion ® . If you're someone who's never had credit, your credit score is probably pretty low because the credit bureaus don't have any information on you yet. Or, you might not have any record of credit at all. Don't worry, this is normal when you're starting out.
How can you establish credit? One of the best ways is to get a card that's designed for people new to credit, like Freedom Rise ® . If you can't get a credit card on your own, you could ask one of your parents to be a cosigner or make you an authorized user on one of their cards.
Once you've established credit, make sure that you maintain a good credit score. You can keep an eye on it at chase.com/credit.
A higher credit score lets banks know you're financially responsible. This makes it easier to get approved for a new credit card like Freedom Rise℠, which has no annual fee and lets you earn cash back.
When you're ready to make a big purchase, like a car or home, a good credit score means you'll have a better chance of getting a lower interest rate. The lower the interest rate, the lower your monthly payment.
There are a lot of ways you can improve your score, but here's where you should start.
To make all this easier for you, Freedom Rise comes with tools that help you manage your credit—including Chase Credit Journey ® .
How to Apply for a Credit Card Online
If you’ve done your research and found a credit card that’s right for you, the next step is applying. But before you do, make sure you’ve really looked at all your options. Applying for a card is easier than ever, but it’s not quite as effortless as grabbing your phone and tapping a “gimme credit” button. There are a few steps you need to follow so that everything goes smoothly.
First, make sure there are no credit issues that could get in your way. Order a free copy of your credit report from each of the three credit bureaus (Equifax ® , Experian ® and TransUnion ® ) at chase.com/credit. Banks look at these reports to make sure you’re someone who pays bills on time, doesn’t miss payments and doesn’t already have too many credit cards for your income. If you see a mistake, you can dispute it with the bureaus to get it removed. If the issue is legitimate, the bureaus can give you information on repairing your credit. You should know that if you're new to credit, the bureaus may not have information about you. Don't worry. This is normal for new applicants.
Don’t apply for a bunch of credit cards all at once because it will lower your credit score. Instead, choose one that really fits your needs. For example: Freedom Rise ® is a great first credit card. It has no annual fee and lets you earn cash back while you build your credit.
This will save time and prevent you from getting logged out while you run around looking for stuff.
Before applying online, prevent your personal information from getting in the wrong hands by using a secured Wi-Fi network or your mobile data connection. Also, make sure both your web browser and OS are up to date.
Most of the time, you’ll know if you’re approved right away, but sometimes it can take a few days. Once you’re approved, your card should arrive in about 7 to 10 days. When you get it, you’ll need to activate your account before you can start using it.
Remember: If you’re looking for a card that helps you build credit, plus gives you cash back on purchases, check out Freedom Rise.
How to Activate a Credit Card
If you don't activate your card, you won't be able to use it. Good news: It only takes a couple minutes.
Look for a sticker on the card with a phone number. When you call, we'll ask a few questions to confirm your identity. Then, you'll be ready to go.
The sticker on your card also has a site you can visit. Like calling, you'll be asked a few questions to make sure it's really you and then your card will be ready to use immediately.
You won't be able to use your card, but your account will still be open. So if you're really not planning on using the card, you might want to cancel it. Keep in mind, this could affect your credit score. If the card isn't right for you and you'd prefer one where you can earn cash back and pay no annual fee, check out the Chase Freedom Rise ® card.
Es posible que esta comunicación contenga información sobre ti y/o de tu cuenta. Si tienes alguna pregunta, por favor, llama al número de teléfono que está al reverso de tu tarjeta.
Cash Back And Points: See your Rewards Program Agreement for more details.
$25 Statement Credit After You Set Up Automatic Payments In The First 3 Months From Account Opening: This credit card and offer are available to you if you do not currently have this credit card and have not been approved for this credit card in the past 24 months. You will qualify for and receive your $25 statement credit if you set up automatic payments during the first 3 months from account opening. After qualifying, please allow 6 to 8 weeks for statement credit to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. The value of this offer or program may result in miscellaneous income received from Chase and we may be required to send you, and file with the IRS, a Form 1099-MISC (Miscellaneous Information) or Form 1042-S (Foreign Person’s U.S. Source Income Subject to Withholding) for the year in which you participate and are awarded the benefits of the offer/program. You are responsible for any tax liability related to participating in the offer/program. Please consult your own tax advisor if you have any questions about how this could affect your taxes.
Account Alerts: Delivery of alerts may be delayed for various reasons including technology failures and capacity limitations. There is no charge from Chase, but message and data rates may apply.
Increase Your Approval Chances: Applicants who have never had a credit card, including as an authorized user, can improve their likelihood of approval for the Chase Freedom Rise credit card by having any Chase checking and/or savings account(s) with a combined available balance of at least $250 (“qualifying funds”). The eligible Chase account(s) must be open prior to submitting the credit card application and qualifying funds must be deposited into the eligible Chase account(s) within 96 hours of submitting the application, including weekends (submitted applications will remain in pending status for up to 96 hours until qualifying funds are available). Having eligible Chase account(s) with qualifying funds is neither a requirement nor guarantee of approval for the Chase Freedom Rise credit card, accounts are always subject to credit approval.
Chase Mobile App: Chase Mobile ® app is available for select mobile devices. Message and data rates may apply.
Zero Liability: Zero Liability Protection does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the Cardmember Services number on your card or billing statement.
Cardmembers Eligible for Chase Pay Over Time: Eligible cardmembers are those with access to Chase Pay Over Time who use a participating Chase credit card for eligible purchases. Access to Chase Pay Over Time is not guaranteed, is based on a variety of factors such as creditworthiness, credit limit and account behavior, and may change from time to time. Participating Chase credit cards are consumer credit cards issued by Chase, small business cards are excluded at this time. For Chase Pay Over Time at checkout on Amazon.com, Amazon Visa and Prime Visa cards and Chase Mastercard credit cards are also excluded.
Purchases Eligible for Chase Pay Over Time Set Up After Purchase: Purchases of at least $100 are eligible, excluding certain transactions such as (a) cash-like transactions, (b) any fees owed to us, including Annual Membership Fees, and (c) purchases made under a separate promotion or special finance program. Eligible purchases will be identified within your transaction history on chase.com or the Chase Mobile App.
Purchases Eligible for Chase Pay Over Time at Checkout on Amazon.com: Orders totaling at least $50 of eligible items on Amazon.com are eligible. Amazon may designate any item as ineligible, such as Amazon Fresh, Whole Foods, Amazon Prime Now, 1-Click Purchases and Subscribe & Save. If your order includes a recurring subscription, then only the first month’s subscription fee will be eligible. If available for your account, the option to choose “financing offers available” will appear at checkout.
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