Chase Freedom Rise
No annual fee · 1.5% on everything else · 3.0% foreign transaction fee
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Dining | 3% | on the first $500/month |
| Everything else | 1.5% | uncapped |
| Rideshare at Lyft only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
2% | uncapped |
See how it ranks: best dining cards.
Non-cash perks
- Chase Credit Journey free credit score and identity monitoring
- Automatic evaluation for credit limit increase as soon as 6 months
- Automatic upgrade evaluation to Chase Freedom Unlimited after 12 months of on-time payments and card usage
- Zero Liability Protection
- Purchase Protection, up to $500/item, 120 days
- Extended Warranty Protection (+1 year on eligible warranties of 3 years or less)
- Trip Cancellation and Interruption Insurance, up to $1,500/traveler and $6,000/trip
- 24/7 fraud monitoring
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone who spends abroad. Every purchase in a foreign currency carries a 3.0% foreign transaction fee. On a card earning 1.5¢ per dollar at the base rate, that fee costs more than the rewards on the same purchase.
- A heavy dining spender. The 3% on dining stops after $500 of it per month. Past that the same purchases earn its base 1.5%, so the headline rate describes the first $500 only.
More from Chase
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.chase.com · creditcards.chase.com. Spot an error? Tell us.