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Terms read from Chase's page on Oct 16, 2026.
Year 1, after fees
$628
Year 2+, after fees
$603
every year after
3 years, after fees
$1,834
Break-even
No fee
Earn rate by category
Points at 1.00¢ each (cash or statement credit); published range 1¢ to 1¢. Source: The Points Guy monthly valuations, October 2026.
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
On each spending preset
After fees; points at their cash value. "~" marks estimates.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student ($985/mo) | $202 | $177 | $557 | No fee |
| Couple ($2,555/mo) | $485 | $460 | $1,405 | No fee |
| Family ($3,350/mo) | $628 | $603 | $1,834 | No fee |
| Frequent traveller ($3,880/mo) | $723 | $698 | $2,120 | No fee |
| Big spender ($7,960/mo) | $1,458 | $1,433 | $4,323 | No fee |
Who it suits
- People who want one flat rate on everything.
Who should skip it
- Nothing stands out on the presets; check it against your own spending.
Fees and rates
- Annual fee
- None
- Foreign transaction fee
- Not stated
- Purchase APR
- 18.49% to 27.99% (variable)
Rewards
- 1.5x on everything else
Eligibility and availability
- Income
- None published
Published requirements only. We don't estimate approval odds.
Assumptions
- Point value: Chase Ultimate Rewards (Freedom cards alone) points at 1.00 cents each: no redemption style chosen, so cash or statement credit. Source: The Points Guy monthly valuations, October 2026.
- Welcome bonus: $25 statement credit for enrolling in automatic payments in the first 3 months. Your spending meets it in month 1.
- Note: 2% on Lyft rides (through September 30, 2027) isn't split out from transit.
- Note: The $25 needs automatic payments kept on for 90 days.
Not counted or not confirmed
- Foreign transaction fee isn't on the card page.
Earns more every year after year 1
On a family's spending, these keep more value from year 2 than this card's $603.
Chase IHG One Rewards PremierYear 2+ ~$1,243
Wells Fargo One Key CardYear 2+ $864
Chase Marriott Bonvoy BoundlessYear 2+ ~$809
Frequently asked questions
Is the Chase Freedom Rise worth it?
On a family's spending ($3,350 a month, points at their cash value), it's worth $628 in year 1 and $603 a year after that, after no annual fee.
What is the Chase Freedom Rise welcome offer?
$25 statement credit for enrolling in automatic payments in the first 3 months.
Does the Chase Freedom Rise charge foreign transaction fees?
The issuer's page doesn't state its foreign transaction fee, so check the full terms before travelling.
Sources
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Compare it with 59 other cards on the US card comparison or read how cards are valued.