Chase Freedom Rise
Chase · Visa · no annual fee · earns Chase Ultimate Rewards, valued at 2.00¢ a point.
Rates checked against the issuer 2026-09. Foreign transaction fee: not recorded here.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $794, with no fee to pay.
Is the annual fee worth it?
No annual fee, so everything it earns is kept: about $794 a year on the illustrative household's spending, which puts it number 5 of 38 the no-fee cards in the catalogue. All of them, ranked.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | Conditions |
|---|---|---|
| Everything else | 1.5x |
Where a year's rewards come from
| Spending on | Earns a year |
|---|---|
| Groceries | $180 |
| Everything Else | $180 |
| Restaurants & Bars | $108 |
| Gas Stations | $54 |
| Online Shopping | $54 |
| Utilities | $54 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- Cash back is banked as Ultimate Rewards and can be combined with a Sapphire card
Similar cards
- Wells Fargo Autograph — annual fee none
- Bilt Mastercard — annual fee none
- American Express Blue Business Plus — annual fee none
- Citi Custom Cash — annual fee none
- Every travel card, ranked
- The best two- and three-card combinations
Point values: published industry valuations, read 2026-09. How every number here is worked out.
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