Chase Freedom Flex vs Chase Freedom Rise® Credit Card
Both cards cost $0/yr. The Chase Freedom Flex leads on rotating quarterly; the Chase Freedom Rise® Credit Card on everyday spending.
Card data as of October 12, 2026.
Chase Freedom FlexChase · No annual fee
Chase Freedom Rise® Credit CardChase · No annual fee
Overview
- Annual fee
- Chase Freedom Flex$0Chase Freedom Rise® Credit Card$0
- Welcome offerCurrent public offer
- Chase Freedom Flex$250 cash backChase Freedom Rise® Credit Card$25 statement credit
- Rewards
- Chase Freedom FlexCash backChase Freedom Rise® Credit CardCash back
- Foreign transaction fee
- Chase Freedom FlexNoneLowestChase Freedom Rise® Credit Card3%
- Network
- Chase Freedom FlexMastercard World EliteChase Freedom Rise® Credit CardVisa Signature
Earn ratesPer $1 spent
- Rotating Quarterly
- Chase Freedom Flex5%HighestChase Freedom Rise® Credit Card1.5%
- Dining
- Chase Freedom Flex3%HighestChase Freedom Rise® Credit Card1.5%
- Drugstores
- Chase Freedom Flex3%HighestChase Freedom Rise® Credit Card1.5%
- Everything else
- Chase Freedom Flex1%Chase Freedom Rise® Credit Card1.5%Highest
Statement creditsAs the issuer states them · — means none on record
- Dining & delivery
- Chase Freedom Flex
- DoorDash DashPass
- DoorDash DashPass · $60 one-time
Chase Freedom Rise® Credit Card- 6 Months Free DashPass ($0 Delivery Fees) · $60 one-time
- $10 Off Quarterly on DoorDash Orders · $40/yr
Perks & access— means none on record
- Other perks
- Chase Freedom Flex
- No foreign transaction fees on purchases worldwide
- 24/7 roadside assistance for towing and emergencies
- 24/7 travel assistance anywhere in the world
Chase Freedom Rise® Credit Card- Annual Upgrade Evaluation to Freedom Unlimited
- Free Credit Score Tracking via Credit Journey
- Credit Limit Increase Review in 6 Months
- 24/7 Roadside Assistance (Pay-Per-Use)
- Use Your Card Same Day via Digital Wallet
- 24/7 Travel Emergency Assistance Worldwide
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Chase Freedom Flex
- Up to $6,000 trip cancellation and interruption coverage
Chase Freedom Rise® Credit Card- $1,500 Trip Cancellation Insurance Per Person
- Rental car
- Chase Freedom Flex
- Secondary rental coverage when you skip the counter option
Chase Freedom Rise® Credit Card- $60,000 Auto Rental Collision Coverage
- Purchase & returns
- Chase Freedom Flex
- 24/7 fraud monitoring
- Credit Journey
- Up to $500 protection for damaged or stolen purchases
Chase Freedom Rise® Credit Card- $500 Purchase Protection for 120 Days
- 24/7 Fraud Monitoring
- Extended warranty
- Chase Freedom Flex
- Add an extra year to manufacturer warranties
Chase Freedom Rise® Credit Card- 1-Year Extended Warranty up to $10,000
- Other protections
- Chase Freedom Flex
- 24/7 lost/stolen card assistance worldwide
Chase Freedom Rise® Credit Card- Instant Card Lock/Unlock via App
- 24/7 lost/stolen card assistance worldwide
Pros & cons
- Pros
- Chase Freedom Flex
- 5% on rotating categories up to $1,500/quarter when activated
- 3% on dining and drugstores with no annual cap
- 5X on Chase Travel portal purchases
- $0 annual fee with Mastercard World Elite benefits
- No foreign transaction fees (new for 2026)
Chase Freedom Rise® Credit Card— - Cons
- Chase Freedom Flex
- Must activate quarterly categories or miss 5% bonus
- $1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
- Points worth only 1 cent without Sapphire card pairing
- Welcome bonus lower than Sapphire cards
Chase Freedom Rise® Credit Card—
Category-by-Category Winner
The Chase Freedom Flex wins in 2 of 3 categories. The Chase Freedom Rise® Credit Card leads in 1. 2 more categories depend on booking channel or caps.
Rotating Quarterly
Depends: up to $1,500/quarter; Must activate each quarter before deadline
Chase Freedom Flex earns 5X when conditions are met; Chase Freedom Rise® Credit Card earns 1.5X (1.5X without restrictions)
Travel
Depends: via issuer travel portal
Chase Freedom Flex earns 5X when conditions are met; Chase Freedom Rise® Credit Card earns 1.5X (1.5X without restrictions)
Dining
Chase Freedom Flex earns 3X vs 1.5X
Drugstores
Chase Freedom Flex earns 3X vs 1.5X
Everyday purchases
Chase Freedom Rise® Credit Card earns 1.5X on all other spending vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Chase Freedom Flex on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Chase Freedom Flex | Chase Freedom Rise® Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $281 Credits (our usable estimate): $20 − Annual fee ($0) Ongoing: $301 Year one: $581 | Rewards: $180 Credits (our usable estimate): $30 − Annual fee ($0) Ongoing: $210 Year one: $283 | Chase Freedom Flex | Chase Freedom Flex |
| Heavy spender: $4,000/month | Rewards: $1,123 Credits (our usable estimate): $20 − Annual fee ($0) Ongoing: $1,143 Year one: $1,423 | Rewards: $720 Credits (our usable estimate): $30 − Annual fee ($0) Ongoing: $750 Year one: $823 | Chase Freedom Flex | Chase Freedom Flex |
Which Card Is Right for You?
Get the Chase Freedom Flex if you:
- +Spend $300+/month on restaurants and dining out
Get the Chase Freedom Rise® Credit Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Both scenarios favor the Chase Freedom Flex on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 1.5X on the Chase Freedom Rise® Credit Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Chase Freedom Flex or Chase Freedom Rise® Credit Card?
- The Chase Freedom Rise® Credit Card has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the Chase Freedom Flex have that the Chase Freedom Rise® Credit Card doesn't?
- The Chase Freedom Flex offers dining credits. The Chase Freedom Rise® Credit Card offers dining credits.
- Should I get the Chase Freedom Flex or the Chase Freedom Rise® Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.