Chase Freedom Rise
Chase
Annual Fee
No Fee
Best Category
1.5% Return
Quick details
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Single cards only capture partial value. Use our optimizer to see what 2-3 card combination nets the most value for your specific spending.
Analyze in OptimizerVerdict & overview
Pros & Best For
- High earning rate of 1.5x on miscellaneous spend.
- Excellent ecosystem value as a cash back card.
Cons & Considerations
- Portal-restricted travel rates may apply for highest multipliers.
The Chase Freedom Rise® is a standout option within the secured card segment. When evaluated under the PointsMax "honest rate" model, it excels at category coverage. We did the math, and this card is especially potent when combined with a flat-rate catch-all card to cover miscellaneous expenditures.
PointsMax "Honest Rate" rewards
We adjust bank-marketed rates. Portal-only multipliers are normalized to their standard rates, and rotating categories are averaged over the calendar year to show what you'll actually earn.
| Spend Category | Raw Multiplier | Ecosystem Points Value | Effective Honest Return |
|---|---|---|---|
| miscellaneous | 1.5x % | 1.0¢ (Cashback) | 1.50% |
Issuer application rules (eligibility check)
This card is issued by Chase. Applications are subject to the **Chase 5/24 Rule**. You will be automatically declined if you have opened 5 or more new credit cards (across any bank) in the past 24 months. If you are approaching this limit, schedule this card early in your application roadmap.