Chase Freedom Rise® vs Gemini Credit Card
Side-by-side comparison
| Chase Freedom Rise® | Gemini Credit Card | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $25 statement credit | No current offer |
| Dining | 1.5x | 3x |
| Groceries | 1.5x | 2x |
| Gas | 1.5x | 4x |
| Travel | 1.5x | 1x |
| Streaming | 1.5x | 1x |
| Everything else | 1.5x | 1x |
| Est. yearly rewards* | $437 | $476 |
| Points type | Pools with Chase → transferable | Cash back only |
| Network | Visa | Mastercard |
*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 Gemini Credit Card about $476, valuing every point at a flat 1 cent. The Chase Freedom Rise® has no annual fee, so its rewards are all profit. The Gemini Credit Card has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Gemini Credit Card delivers more total value, about $39 a year more for a typical spender, mostly because it earns more where you spend most, on gas and dining. The bigger difference is the ceiling: the Chase Freedom Rise® earns points you can move to travel partners for outsized value, while the Gemini Credit Card pays plain cash back. Favor the Chase Freedom Rise® if you will use travel transfers, the Gemini Credit Card if you want simplicity. On the sign-up bonus, the Chase Freedom Rise® 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 Rise® if your spending leans toward travel, streaming, everything else. Pick the Gemini Credit Card if your spending leans toward dining, groceries, gas.