6 Chase Freedom Rise Benefits You Didn’t Know About
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Written by
Meghan Hunter
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Edited by
Emily Gadd
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Reviewed by
Jasmin Baron
The Chase Freedom Rise® markets itself primarily as a 1.5% cash-back credit card with no annual fee, and a solid foundation for credit building. But scratch beneath the surface, and you’ll discover a comprehensive benefits suite that’s in line with the other top Chase credit cards. From travel protections to purchase safeguards, this card delivers value that extends far beyond its straightforward rewards structure.
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Here are six card benefits that make the Freedom Rise a hidden gem in the credit-building space.
1. Auto Rental Coverage up to $60,000
One of the most valuable Chase Freedom Rise benefits is the comprehensive auto rental coverage.
What’s covered:
- Theft and collision damage to rental vehicles
- Valid loss-of-use charges from the rental agency
- Administrative fees and reasonable towing costs
- Coverage for rental periods up to 31 consecutive days
The coverage works as primary insurance outside the US, meaning it kicks in first without requiring you to file through your personal auto insurance. Within the US, it functions as secondary coverage, handling what your personal policy doesn’t cover, including deductibles.
I learned the true value of this benefit last summer when renting a car in Paris during a family vacation. The $1,200 repair bill would have been devastating, but my Chase card’s coverage handled everything. For someone building credit on a tight budget, this protection can prevent a minor mishap from becoming a major financial crisis.
Pro tip: Always pay with your card and decline the rental agency’s collision damage waiver when using this benefit. Accepting their coverage will cancel out your card’s protection.
2. Purchase Protection for 120 Days
The Freedom Rise includes purchase protection that covers eligible items against theft, damage or involuntary loss for 120 days from purchase (90 days for New York residents). This benefit covers purchases made anywhere in the world, including gifts you buy for others.
Coverage details:
- Up to $500 per item
- Maximum $50,000 per account annually
- Covers both US and international purchases
- Secondary coverage (after other insurance)
The benefit excludes certain items like automobiles, boats, computer software and perishables, but it covers most everyday purchases, including electronics, clothing and household items. For students and young professionals making their first major purchases, this safety net protects against those unexpected expenses that can derail a budget.
3. Extended Warranty Protection
This benefit extends your manufacturer’s warranty by an additional year, up to a maximum combined coverage of four years. It’s automatically applied to eligible purchases charged to your card, with coverage up to $10,000 per item and $50,000 per account.
How it works:
- Adds one year to original manufacturer’s warranties
- Covers what the original warranty would have covered
- Applies to items with valid US repair warranties
- Can layer on top of store warranties and service contracts
During my years reviewing credit cards, I’ve seen countless stories of expensive electronics failing just after their warranty expires. The extended warranty protection essentially gives you a free insurance policy on major purchases. I used this benefit when my laptop died 14 months after purchase, past the manufacturer’s one-year warranty, but still covered under the extended protection.
The benefit requires you to pay for repairs upfront and submit receipts for reimbursement, so keep your purchase documentation organized. Chase provides an online portal where you can store warranty information, making claims much easier when you need them.
4. Trip Cancellation and Interruption Insurance
For a no-annual-fee card targeting credit builders, the Chase Freedom Rise offers surprisingly robust travel protection. The trip cancellation and interruption insurance provides up to $1,500 per traveler and $6,000 per trip when you use your card to pay for travel expenses.
Covered reasons include:
- Illness or injury requiring doctor-advised trip cancellation
- Death of traveler or immediate family member
- Severe weather affecting travel plans
- Terrorist incidents near departure or destination points
- Military deployment or order changes
Let’s say you have to cancel a spring break trip due to severe illness, and you’ve booked an $800 non-refundable hotel. That cost could be fully covered under the card’s policy.
The coverage applies when you charge any portion of your trip to the Freedom Rise Card, making it easy to trigger protection even if you’re mixing payment methods. Just note that coverage begins from your initial deposit date, so book with your card from the start.
5. Travel and Emergency Assistance
While not insurance per se, the Freedom Rise includes comprehensive travel and emergency assistance services available 24/7 worldwide.
Services include:
- Emergency message relay to family or employers
- Medical referral assistance in local languages
- Legal referral and embassy contact assistance
- Emergency transportation arrangements
- Lost luggage location services
- Emergency translation services
- Prescription assistance and document delivery
While I haven’t used this benefit before, I can certainly imagine it being useful if you need help with a prescription while traveling abroad, for example. While you pay for any actual services provided, having expert assistance to navigate foreign bureaucracy is invaluable.
6. Roadside Assistance Program
The Freedom Rise includes access to a pay-per-use roadside assistance program covering the US and Canada. While you pay for services, the rates are pre-negotiated and often lower than calling a random tow truck.
Services available:
- Standard towing up to 5 miles
- Tire changes (you must provide a spare tire)
- Battery jump-start service
- Lockout assistance
- Fuel delivery up to 5 gallons
- Standard winching within 100 feet of roads
The program covers any vehicle weighing 10,000 pounds or less, so it works whether you’re driving your own car, a borrowed vehicle or even certain rental cars.
For young drivers who might not have comprehensive auto insurance with roadside coverage, this benefit provides an affordable safety net. It can be especially valuable for students driving older vehicles that might be more prone to breakdowns.
The information related to Chase Freedom Rise® was collected by CardCritics™ and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardCritics™ does not receive a commission for these products.
Frequently Asked Questions About Chase Freedom Rise Benefits
Do I need to register for Chase Freedom Rise benefits separately?
No, registration is not required. These benefits are automatically available to all Chase Freedom Rise cardholders. However, it’s important to familiarize yourself with the coverage details and keep the benefits guide handy for reference.
Can I use Chase Freedom Rise benefits if I only pay part of the purchase with my card?
Yes, for most benefits, you only need to charge a portion of the cost to your Freedom Rise Card to trigger coverage.
How do I file a claim for benefits with the Chase Freedom Rise?
Most Freedom Rise benefits are administered by Assurant and can be claimed by calling 800-349-2691 or visiting chasecardbenefits.com. Keep your receipts and card statements as you’ll need them for any claims.
Are there any restrictions on who can use benefits from the Chase Freedom Rise?
Chase Freedom Rise benefits typically extend to the primary cardholder and, in some cases, immediate family members. Specific eligibility varies by benefit, so check the terms for each protection you’re considering using.
Do the Chase Freedom Rise’s benefits cost extra or affect my credit score?
The Freedom Rise’s benefits are included at no additional cost and don’t impact your credit score.
