2026.6 Replace: The brand new welcome supply is: earn 3% cashback on eating within the first 6 months (normally 1.5%) on as much as $6,000.
2023.6 Replace: New card launched. No credit score historical past required.
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Advantages
- Welcome supply: earn 3% cashback on eating within the first 6 months (normally 1.5%) on as much as $6,000.
- Earn 1.5% money again on every little thing.
- Though this card is marketed as a money again card, it really earns Final Rewards (UR) factors. We estimate that Final Rewards (UR) factors are price about 1.6 cents/level, see beneath for a short introduction. So the 1.5x UR incomes fee is price about 2.4%!
- No annual charge.
Disadvantages
- It has international transaction charge, so it is not a good selection outdoors the US.
Introduction to UR Factors
- You possibly can earn UR factors with Chase Freedom Scholar, Chase Freedom, Chase Freedom Limitless (CFU), Chase Sapphire Most popular (CSP), Chase Sapphire Reserve (CSR), Chase Ink Money (Enterprise), Chase Ink Limitless (Enterprise), Chase Ink Most popular (Enterprise), and so on.
- You possibly can transfer your UR factors from one UR card to a different at any time.
- UR factors by no means expire. You’ll lose the UR factors on one card if you happen to shut the account, however you possibly can forestall dropping your UR factors by shifting the factors to a different UR card beforehand.
- If in case you have Chase Sapphire Most popular (CSP), Chase Sapphire Reserve (CSR), or Chase Ink Most popular (Enterprise), UR factors might be transferred to some resort factors. Probably the greatest methods to make use of UR factors is to 1:1 switch to Hyatt factors. UR factors may also be transferred to some airline miles. Some of the frequent and greatest methods to make use of UR factors is to 1:1 switch them to United Airways (UA) miles (Star Alliance), and mix them with the UA miles earned from the UA card. Different good choices are: Southwest (WN) (Non-alliance), British Airways (BA) (Oneworld), Virgin Atlantic (VS) (Non-alliance), and so on. When you use UR factors on this manner, the worth is about 1.6 cents/level.
- If in case you have Chase Sapphire Reserve (CSR), you possibly can redeem your UR factors for as much as 2.0 cents/level in direction of air tickets or accommodations on Chase Journey with the “Factors Enhance” characteristic; when you have Chase Sapphire Most popular (CSP) or Chase Ink Most popular (Enterprise), the worth is as much as 1.5 cpp (or 1.75 cpp for premium cabin).
- If in case you have any of the UR playing cards, you possibly can redeem your UR factors at a hard and fast fee 1 cent/level in direction of money.
- In abstract, we estimate that UR factors are price about 1.6 cents/level.
- For extra details about UR factors, see Maximize the Credit score Card Factors Values (overview), and Introduction to UR: How one can Earn and Introduction to UR: How one can Use (very detailed).
Really useful Software Time
- You will get authorized even with no credit score historical past in any respect! (SSN required)
- Having a Chase checking account with a stability of at the least $250 will improve your probabilities of getting authorized for Chase Freedom Rise.
- [5/24 Rule] If in case you have 5 or extra new accounts opened up to now 24 months, Chase won’t approve your utility on this card, regardless of how excessive your credit score rating is. The variety of new accounts contains all bank card accounts, not solely Chase accounts. See this publish for particulars about tips on how to probably bypass this rule.
Abstract
It is a card designed for folks with no credit score historical past by Chase. Though enroll bonus isn’t nice, this card has an honest incomes fee as your first bank card. I assume after one 12 months you may as well convert it to raised playing cards akin to Chase Freedom Flex (CFF) or Chase Freedom Limitless (CFU).
Associated Credit score Playing cards
After Making use of
- Name 800-436-7927 to verify Chase utility standing. That is an automatic phone line, and the data has the next meanings: Obtain determination in 2 weeks means your utility might be authorized; Obtain determination in 7-10 days means your utility might be rejected; Obtain determination in 30 days merely means your utility requires additional evaluate and there’s nothing to let you know for now.
Historic Provides Chart
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