Cards
Points & MilesChaseNo Annual Fee
Chase Freedom Rise Card (CFR)
Key facts
Annual feeNo annual fee
NetworkVisa
Rewards currencyUltimate Rewards (UR)
Recommended creditFair – Good (680+)
Transfer partnersYes
Current sign-up bonus
3% cash back on dining (up to $6,000 spend) in the first 6 months, plus a $25 statement credit for enrolling in autopay within the first 3 months
Reward rates
1.5x on everything else
Annual credits
This card has annual credits — check the issuer's site for current details.
Travel benefits
Trip Cancellation / Interruption
Up to $1,500 per covered person and up to $6,000 per trip for pre-paid, non-refundable passenger fares if trip is canceled or cut short by covered reasons (illness, severe weather, etc.). Must pay for trip with this card.
Purchase protections
Extended Warranty
Extends the U.S. manufacturer's warranty by 1 additional year on eligible warranties of 3 years or less. Up to $10,000 per item, up to $50,000 per account.
Purchase Protection
Covers eligible new purchases for 120 days against damage or theft. Up to $500 per claim, up to $50,000 per account.
Other benefits
Authorized User Fee
$0.
Foreign Transaction Fee
3% of each transaction in U.S. dollars.
Secondary Rental Car
Yes — Auto Rental Collision Damage Waiver provides secondary coverage for theft and accidental damage on rentals in the US. Up to $60,000.
Primary Rental Car
None in the US. Rental coverage is primary only for international rentals (outside the US).
Transfer Partners
None directly. Cash back can be converted to Chase Ultimate Rewards points only when paired with a premium UR card.
Welcome Bonus
$25 statement credit after enrolling in automatic payments within the first 3 months of account opening (must remain enrolled for at least 90 days).
Earn Rates
1.5% cash back on all purchases. Also 2% on Lyft rides through 09/30/2027. Welcome offer: 3% cash back on dining at restaurants (including takeout and eligible delivery) on up to $6,000 spent in the first 6 months from account opening (then reverts to 1.5%).
A flat-rate card may earn more for your everyday spend:
Hilton American Express CardAmEx
3% everywhere
Robinhood Gold CardCoastal Community Bank
3% everywhere
IHG One Rewards PremierChase
3% everywhere
Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
Card images, names, and logos shown on this page — including the Chase Freedom Rise Card (CFR), a product of Chase — are trademarks of their respective owners. Their use here is for identification purposes only and does not imply endorsement or affiliation.