Cash back · Visa · No annual fee
Last verified 2026-10-26. Review issuer source
Chase Freedom Rise is a no-annual-fee cash back card from Chase. It earns 1.5% on every purchase with no categories to track.
On our reference budget of $24,600 a year it returns about $369, an effective 1.5% back. The welcome bonus, $25, adds to the first year's return.
It is a stepping-stone card. Keep the balance low and revisit once your score reaches the good range, where no-fee cards with better rates open up. It charges 3% on foreign purchases, so leave it home when you travel abroad.
Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
Get 6 months of complimentary access to DashPass – a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2029. Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2029.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.
Means you won't be held responsible for unauthorized charges made with your card or account information.
These come from Visa, not from Chase. Every card on the Visa Traditional tier carries them, so they should not decide between two cards.
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more. Sign up for a free Booking.com account to get started.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Chase Freedom Rise® Credit CardThis card · 1.5% on everything | None | $369 | +$369 | 471st of 1,284 |
| Chase Freedom Unlimited® Credit CardChase's most-held other card · 3% on dining | None | $528 | +$528 | 276th of 1,284 |
| Chase Freedom Flex® Credit CardThe strongest no-fee card on this budget · 7% on dining | None | $822 | +$822 | 1st of 1,284 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 2nd of 1,284 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
