Which card earns more rewards, the Chase Freedom Rise® Credit Card or Chase Freedom Unlimited?

Both cards earn 1.5X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Chase Freedom Rise® Credit Card have that the Chase Freedom Unlimited doesn't?

The Chase Freedom Rise® Credit Card offers dining credits. The Chase Freedom Unlimited focuses more on earn rates than premium perks.

Should I get the Chase Freedom Rise® Credit Card or the Chase Freedom Unlimited?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Chase Freedom Rise® Credit Card vs Chase Freedom Unlimited

Both cards cost $0/yr. The Chase Freedom Rise® Credit Card leads on everyday spending; the Chase Freedom Unlimited on travel.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Chase Freedom Rise® Credit Card Chase · No annual fee	Chase Freedom Unlimited Chase · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	$25 statement credit	$200 cash back
Rewards	Cash back	Cash back
Foreign transaction fee	3%	3%
Network	Visa Signature	Visa Signature
Earn ratesPer $1 spent
Dining	1.5%	3% Highest
Drugstores	1.5%	3% Highest
Everything else	1.5%	1.5%
Statement creditsAs the issuer states them · — means none on record
Dining & delivery	6 Months Free DashPass ($0 Delivery Fees) · $60 one-time $10 Off Quarterly on DoorDash Orders · $40/yr	Free DashPass membership for 6 months · $60 one-time
Perks & access— means none on record
Other perks	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	24/7 travel assistance when you're away from home
Protections & insuranceLimits where published · — means none on record
Trip insurance	$1,500 Trip Cancellation Insurance Per Person	Up to $6,000 trip cancellation and interruption coverage · up to $1,500
Rental car	$60,000 Auto Rental Collision Coverage	Free rental car coverage when you decline counter insurance
Purchase & returns	$500 Purchase Protection for 120 Days 24/7 Fraud Monitoring	Up to $500 protection for damaged or stolen purchases 24/7 fraud monitoring Zero Liability on unauthorized charges
Extended warranty	1-Year Extended Warranty up to $10,000	Add an extra year to manufacturer warranties
Other protections	Instant Card Lock/Unlock via App 24/7 lost/stolen card assistance worldwide	24/7 lost/stolen card assistance worldwide
Pros & cons
Pros	—	1.5% cash back on every purchase with no caps or categories 5% on Chase Travel, 3% on dining and drugstores $200 bonus after $500 spend in 3 months 0% intro APR for 15 months on purchases and balance transfers $0 annual fee with Visa Signature benefits
Cons	—	3% foreign transaction fee 1.5% base rate lower than Freedom Flex's 5% rotating categories Points worth only 1 cent without Sapphire card pairing No premium travel insurance or lounge access Lower welcome bonus than Sapphire cards
	Card details	Card details

Chase Freedom Rise® Credit Card
Chase · No annual fee
Chase Freedom Unlimited
Chase · No annual fee

Overview

Annual fee: Chase Freedom Rise® Credit Card
$0
Chase Freedom Unlimited
$0
Welcome offerCurrent public offer: Chase Freedom Rise® Credit Card
$25 statement credit
Chase Freedom Unlimited
$200 cash back
Rewards: Chase Freedom Rise® Credit Card
Cash back
Chase Freedom Unlimited
Cash back
Foreign transaction fee: Chase Freedom Rise® Credit Card
3%
Chase Freedom Unlimited
3%
Network: Chase Freedom Rise® Credit Card
Visa Signature
Chase Freedom Unlimited
Visa Signature

Earn ratesPer $1 spent

Dining: Chase Freedom Rise® Credit Card
1.5%
Chase Freedom Unlimited
3%
Highest
Drugstores: Chase Freedom Rise® Credit Card
1.5%
Chase Freedom Unlimited
3%
Highest
Everything else: Chase Freedom Rise® Credit Card
1.5%
Chase Freedom Unlimited
1.5%

Statement creditsAs the issuer states them · — means none on record

Dining & delivery: Chase Freedom Rise® Credit Card
6 Months Free DashPass ($0 Delivery Fees) · $60 one-time
$10 Off Quarterly on DoorDash Orders · $40/yr
Chase Freedom Unlimited
Free DashPass membership for 6 months · $60 one-time

Perks & access— means none on record

Other perks: 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
Chase Freedom Unlimited
24/7 travel assistance when you're away from home

Protections & insuranceLimits where published · — means none on record

Trip insurance: Chase Freedom Rise® Credit Card
$1,500 Trip Cancellation Insurance Per Person
Chase Freedom Unlimited
Up to $6,000 trip cancellation and interruption coverage · up to $1,500
Rental car: Chase Freedom Rise® Credit Card
$60,000 Auto Rental Collision Coverage
Chase Freedom Unlimited
Free rental car coverage when you decline counter insurance
Purchase & returns: Chase Freedom Rise® Credit Card
$500 Purchase Protection for 120 Days
24/7 Fraud Monitoring
Chase Freedom Unlimited
Up to $500 protection for damaged or stolen purchases
24/7 fraud monitoring
Zero Liability on unauthorized charges
Extended warranty: Chase Freedom Rise® Credit Card
1-Year Extended Warranty up to $10,000
Chase Freedom Unlimited
Add an extra year to manufacturer warranties
Other protections: Chase Freedom Rise® Credit Card
Instant Card Lock/Unlock via App
24/7 lost/stolen card assistance worldwide
Chase Freedom Unlimited
24/7 lost/stolen card assistance worldwide

Pros & cons

Pros: Chase Freedom Rise® Credit Card
—
Chase Freedom Unlimited
1.5% cash back on every purchase with no caps or categories
5% on Chase Travel, 3% on dining and drugstores
$200 bonus after $500 spend in 3 months
0% intro APR for 15 months on purchases and balance transfers
$0 annual fee with Visa Signature benefits
Cons: Chase Freedom Rise® Credit Card
—
Chase Freedom Unlimited
3% foreign transaction fee
1.5% base rate lower than Freedom Flex's 5% rotating categories
Points worth only 1 cent without Sapphire card pairing
No premium travel insurance or lounge access
Lower welcome bonus than Sapphire cards

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The Chase Freedom Unlimited wins in 2 of 2 categories. The Chase Freedom Rise® Credit Card leads in 0. 1 more category depend on booking channel or caps.

Travel

Depends: via issuer travel portal

Chase Freedom Unlimited earns 5X when conditions are met; Chase Freedom Rise® Credit Card earns 1.5X (1.5X without restrictions)

Dining

Chase Freedom Unlimited earns 3X vs 1.5X

Drugstores

Chase Freedom Unlimited earns 3X vs 1.5X

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 Unlimited on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Chase Freedom Rise® Credit Card	Chase Freedom Unlimited	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $180 Credits (our usable estimate): $30 − Annual fee ($0) Ongoing: $210 Year one: $283	Rewards: $373 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $373 Year one: $603	Chase Freedom Unlimited	Chase Freedom Unlimited
Heavy spender: $4,000/month	Rewards: $720 Credits (our usable estimate): $30 − Annual fee ($0) Ongoing: $750 Year one: $823	Rewards: $1,490 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,490 Year one: $1,720	Chase Freedom Unlimited	Chase Freedom Unlimited

Which Card Is Right for You?

Get the Chase Freedom Unlimited if you:

+Spend $300+/month on restaurants and dining out

The Bottom Line

Both scenarios favor the Chase Freedom Unlimited on net value (rewards, usable credits, fees, and welcome offer).

Frequently Asked Questions

Which card earns more rewards, the Chase Freedom Rise® Credit Card or Chase Freedom Unlimited?: Both cards earn 1.5X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Chase Freedom Rise® Credit Card have that the Chase Freedom Unlimited doesn't?: The Chase Freedom Rise® Credit Card offers dining credits. The Chase Freedom Unlimited focuses more on earn rates than premium perks.
Should I get the Chase Freedom Rise® Credit Card or the Chase Freedom Unlimited?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Official issuer pages: Chase cards

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.