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45

Freedom Rise

Jpmorgan Chase Bank, National Association

Top-25 issuerNationalVariable · PrimeNo credit score
Issuer site ↗
Purchase APR
25.24%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
3%
Grace period
21 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered25.24%
Median25.24%
Highest offered25.24%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered28.49%
Median28.49%
Highest offered28.49%

Every fee on this card

Annual feeNone
Balance transfer fee5% (min $5)
Cash advance fee5% (min $10)
Foreign transaction fee3%
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Chase Pay Over Time$0
Return payment fee$40

Rewards, benefits and features

Rewards
  • Cashback rewards
Services
  • Access to Free Credit Scores
  • Discounts on purchases of goods and services (non travel related)
  • Extension on manufacturer’s warranty
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone800-945-2000
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 25.24%$757.20
Annual / periodic fees$0
Total yearly cost$757.20

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.

Cardholder agreements

26 documents filed by Jpmorgan Chase Bank, National Association in the 2026 Q1 archive.

All 26 agreements

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