Chase Freedom Rise® vs Chase Freedom Unlimited®
Side-by-side comparison
| Chase Freedom Rise® | Chase Freedom Unlimited® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $25 statement credit | $200 cash bonus |
| Dining | 1.5x | 3x |
| Groceries | 1.5x | 1.5x |
| Gas | 1.5x | 1.5x |
| Travel | 1.5x | 1.5x |
| Streaming | 1.5x | 1.5x |
| Everything else | 1.5x | 1.5x |
| Est. yearly rewards* | $437 | $490 |
| Points type | Pools with Chase → transferable | Pools with Chase → transferable |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Chase Freedom Rise® earns about $437 a year in rewards and the Chase Freedom Unlimited® about $490, valuing every point at a flat 1 cent. The Chase Freedom Rise® has no annual fee, so its rewards are all profit. The Chase Freedom Unlimited® has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Chase Freedom Unlimited® delivers more total value, about $52 a year more for a typical spender, mostly because it earns more where you spend most, on dining. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the Chase Freedom Unlimited® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Chase Freedom Unlimited® if your spending leans toward dining.