Chase Freedom Rise Credit Card | Worth It or Leave It?

Описание: The Chase Freedom Rise Credit Card solves the challenge of starting from scratch by offering easy approval, no annual fee, and a simple flat 1.5% cash back on every purchase—eliminating the stress of tracking rotating categories or complex reward structures. New users benefit from a $25 statement credit for enrolling in autopay and using it for three months, as well as access to Chase Credit Journey tools for monitoring and improving credit scores over time. Features like purchase protection, extended warranty coverage, and select travel benefits add value beyond just rewards, making it a practical choice for everyday use. While it’s a strong tool for credit growth, the 25.99% APR, 3% foreign transaction fee, and potential for low starting limits mean it’s best for disciplined users who pay off balances each month. There’s one strategic path to using this card that could set the stage for more rewarding upgrades—if you know when to make the move.

Pros:
No annual fee
Simple 1.5% cash back on all purchases
$25 statement credit for autopay sign-up and use
Access to Chase Credit Journey tools
Purchase protection and extended warranty coverage
Potential to upgrade to more rewarding Chase cards over time

Cons:
High 25.99% variable APR
3% foreign transaction fee
No introductory APR offer
Potential for low starting credit limits
Fixed redemption options with no bonus travel partners

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