Chase Freedom Rise® Credit Card vs Chase Sapphire Preferred Card
Annual fees: Chase Freedom Rise® Credit Card $0/yr, Chase Sapphire Preferred Card $95/yr. Strongest bonus categories: Chase Freedom Rise® Credit Card on everyday spending, Chase Sapphire Preferred Card on travel.
Card data as of November 13, 2026.
Chase Freedom Rise® Credit CardChase · No annual fee
Chase Sapphire Preferred CardChase · $95/yr
Overview
- Annual fee
- Chase Freedom Rise® Credit Card$0LowestChase Sapphire Preferred Card$95
- Welcome offerCurrent public offer
- Chase Freedom Rise® Credit Card$25 statement creditChase Sapphire Preferred Card75,000 points
- Rewards
- Chase Freedom Rise® Credit CardCash backChase Sapphire Preferred CardChase Ultimate Rewards
- Foreign transaction fee
- Chase Freedom Rise® Credit Card3%Chase Sapphire Preferred CardNoneLowest
- Network
- Chase Freedom Rise® Credit CardVisa SignatureChase Sapphire Preferred CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Dining
- Chase Freedom Rise® Credit Card1.5%Chase Sapphire Preferred Card3x
- Electric Vehicle Charging
- Chase Freedom Rise® Credit Card1.5%Chase Sapphire Preferred Card3x
- Gas Stations
- Chase Freedom Rise® Credit Card1.5%Chase Sapphire Preferred Card3x
- Grocery Stores
- Chase Freedom Rise® Credit Card1.5%Chase Sapphire Preferred Card3x
- Streaming
- Chase Freedom Rise® Credit Card1.5%Chase Sapphire Preferred Card3x
- Vacation Rentals
- Chase Freedom Rise® Credit Card1.5%Chase Sapphire Preferred Card3x
- Travel
- Chase Freedom Rise® Credit Card1.5%Chase Sapphire Preferred Card2x
- Everything else
- Chase Freedom Rise® Credit Card1.5%Chase Sapphire Preferred Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Chase Freedom Rise® Credit Card—Chase Sapphire Preferred Card
- $120 Global Entry/TSA PreCheck/NEXUS credit · $120 every 4 years
- $100 hotel credit
- 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 Sapphire Preferred Card— - Entertainment & streaming
- Chase Freedom Rise® Credit Card—Chase Sapphire Preferred Card
- A year of Apple TV, valued at $180 · $180 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 Sapphire Preferred Card- Complimentary DashPass after activation
- Up to $10 monthly on a non-restaurant DoorDash order
- No Foreign Transaction Fees on international purchases
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Chase Freedom Rise® Credit Card
- $1,500 Trip Cancellation Insurance Per Person
Chase Sapphire Preferred Card- Travel Accident Insurance up to $500,000
- $10,000 Trip Cancellation Insurance per person
- $500 Trip Delay Reimbursement per traveler
- Baggage
- Chase Freedom Rise® Credit Card—Chase Sapphire Preferred Card
- $500 Baggage Delay Insurance ($100 per day)
- $3,000 Lost Luggage Reimbursement per traveler
- Rental car
- Chase Freedom Rise® Credit Card
- $60,000 Auto Rental Collision Coverage
Chase Sapphire Preferred Card- Auto Rental Coverage
- Purchase & returns
- Chase Freedom Rise® Credit Card
- $500 Purchase Protection for 120 Days
- 24/7 Fraud Monitoring
Chase Sapphire Preferred Card- 120-day Purchase Protection up to $500 per item
- Extended warranty
- Chase Freedom Rise® Credit Card
- 1-Year Extended Warranty up to $10,000
Chase Sapphire Preferred Card- Extended Warranty Protection adds 1 extra year
- Other protections
- Chase Freedom Rise® Credit Card
- Instant Card Lock/Unlock via App
- 24/7 lost/stolen card assistance worldwide
Chase Sapphire Preferred Card- Travel and Emergency Assistance Services
Pros & cons
- Pros
- Chase Freedom Rise® Credit Card—Chase Sapphire Preferred Card
- 75,000 point welcome bonus after $5,000 in purchases in the first 3 months
- $95 annual fee partly offset by a $100 Chase Travel hotel credit each account anniversary year
- Transfers to 14 airline and hotel partners, 13 at 1:1 and Hyatt at 4:3
- 5X on Chase Travel, 3X dining, streaming, online groceries
- Trip cancellation, delay, and lost luggage insurance included
- Cons
- Chase Freedom Rise® Credit Card—Chase Sapphire Preferred Card
- $95 annual fee vs $0 Freedom cards
- No lounge access included
- 5/24 rule restricts applicants with 5+ cards in 24 months
- No 0% intro APR offer
Category-by-Category Winner
The Chase Sapphire Preferred Card wins in 6 of 7 categories. The Chase Freedom Rise® Credit Card leads in 1. 4 more categories depend on booking channel or caps.
Travel
Chase Sapphire Preferred Card earns 5X vs 1.5X
5X via Chase Travel portal
Hotels
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Sapphire Preferred Card earns 5X when conditions are met; Chase Freedom Rise® Credit Card earns 1.5X (1.5X without restrictions)
Flights
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Sapphire Preferred Card earns 5X when conditions are met; Chase Freedom Rise® Credit Card earns 1.5X (1.5X without restrictions)
Car Rentals
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Sapphire Preferred Card earns 5X when conditions are met; Chase Freedom Rise® Credit Card earns 1.5X (1.5X without restrictions)
Dining
Chase Sapphire Preferred Card earns 3X vs 1.5X
Gas Stations
Chase Sapphire Preferred Card earns 3X vs 1.5X
Electric Vehicle Charging
Chase Sapphire Preferred Card earns 3X vs 1.5X
Vacation Rentals
Chase Sapphire Preferred Card earns 3X vs 1.5X
Streaming
Chase Sapphire Preferred Card earns 3X vs 1.5X
Grocery Stores
Depends: Online purchases only. Excludes Target, Walmart, Wholesale Clubs. Grocery pickup or delivery must be ordered online and qualify under Chase's online grocery category. Excludes membership and subscription fees, supermarket pharmacies, gift cards and gift baskets.
Chase Sapphire Preferred Card earns 3X when conditions are met; Chase Freedom Rise® Credit Card earns 1.5X (1.5X without restrictions)
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 Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Chase Freedom Rise® Credit Card | Chase Sapphire Preferred Card | 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: $346 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $326 Year one: $1,784 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
| Heavy spender: $4,000/month | Rewards: $720 Credits (our usable estimate): $30 − Annual fee ($0) Ongoing: $750 Year one: $823 | Rewards: $1,382 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $1,362 Year one: $2,820 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
Is the Fee Difference Worth It?
The Chase Sapphire Preferred Card costs $95/yr — that's $95 more than the Chase Freedom Rise® Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Chase Sapphire Preferred Card needs roughly $95 more in annual rewards (or credits you will use) to break even on travel and hotels and everyday spend.
Which Card Is Right for You?
Get the Chase Freedom Rise® Credit Card if you:
- +Prefer a high flat rate across all spending
Get the Chase Sapphire Preferred Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the Chase Sapphire Preferred Card 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.
Published annual fees: Chase Freedom Rise® Credit Card $0/yr, Chase Sapphire Preferred Card $95/yr — a $95 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Chase Sapphire Preferred Card worth the higher annual fee?
- The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Chase Freedom Rise® Credit Card. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the Chase Freedom Rise® Credit Card or Chase Sapphire Preferred 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 Rise® Credit Card have that the Chase Sapphire Preferred Card doesn't?
- The Chase Freedom Rise® Credit Card offers dining credits. The Chase Sapphire Preferred Card focuses more on earn rates than premium perks.
- Should I get the Chase Freedom Rise® Credit Card or the Chase Sapphire Preferred Card?
- Use the spend scenarios on this page: the Chase Freedom Rise® Credit Card has a lower $0/yr fee; the Chase Sapphire Preferred Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.