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Chase Freedom Rise vs Sapphire Reserve

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Sep 14

Everything else

  1. Freedom Rise 1.5% 1.5% base rate
  2. Sapphire Reserve 1.5% 1x base rate

Dining

  1. Sapphire Reserve 4.5% 3x
  2. Freedom Rise 1.5% 1.5% base rate

Travel

  1. Sapphire Reserve · Chase Travel 12.0% 8x
  2. Freedom Rise 1.5% 1.5% base rate
  3. Sapphire Reserve 1.5% 1x base rate

Flights

  1. Sapphire Reserve · Chase Travel 12.0% 8x
  2. Sapphire Reserve 6.0% 4x
  3. Freedom Rise 1.5% 1.5% base rate

Hotels

  1. Sapphire Reserve · Chase Travel 12.0% 8x
  2. Sapphire Reserve 6.0% 4x
  3. Freedom Rise 1.5% 1.5% base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Freedom Rise $0 and Sapphire Reserve $795 a year, so a thin lead in one category may not cover the difference.

Where they differ: Sapphire Reserve takes dining, travel, flights and hotels. Freedom Rise wins nothing outright in this wallet.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseFreedom Rise1.5%
DiningSapphire Reserve4.5%
TravelSapphire Reserve · Chase Travel12.0%
FlightsSapphire Reserve · Chase Travel12.0%
HotelsSapphire Reserve · Chase Travel12.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Freedom Rise — 1.5%
  2. Sapphire Reserve — 1.5%

Dining

  1. Sapphire Reserve — 4.5%
  2. Freedom Rise — 1.5%

Travel

  1. Sapphire Reserve · Chase Travel — 12.0%
  2. Freedom Rise — 1.5%
  3. Sapphire Reserve — 1.5%

Flights

  1. Sapphire Reserve · Chase Travel — 12.0%
  2. Sapphire Reserve — 6.0%
  3. Freedom Rise — 1.5%

Hotels

  1. Sapphire Reserve · Chase Travel — 12.0%
  2. Sapphire Reserve — 6.0%
  3. Freedom Rise — 1.5%

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