Chase Freedom Rise review: A credit-building card with rewards and a path toward an upgrade

The Chase Freedom Rise is positioned as a $0 annual-fee card for people building or repairing credit, offering straightforward rewards alongside a clear path to a better card. New cardmembers can earn 3% cash back on dining purchases (including takeout and eligible delivery) for the first six months, or until $6,000 in dining spending, on top of a 1.5% base cash back on all purchases. Approval odds are higher for current or future Chase customers, with at least $250 in Chase checking or savings boosting chances. It can also help users qualify for a credit limit increase in as little as six months and an automatic upgrade evaluation after 12 months to the Chase Freedom Unlimited, based on on-time payments.