Chase Freedom Rise vs Sapphire Preferred
Both are Chase cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Sapphire Preferred 2.1% 1x base rate
- Freedom Rise 1.5% 1.5% base rate
Dining
- Sapphire Preferred 6.2% 3x
- Freedom Rise 1.5% 1.5% base rate
Gas
- Sapphire Preferred 6.2% 3x
- Freedom Rise 1.5% 1.5% base rate
Travel
- Sapphire Preferred 4.1% 2x
- Freedom Rise 1.5% 1.5% base rate
Travel · portal
- Sapphire Preferred · Chase Travel 10.3% 5x
Streaming
- Sapphire Preferred 6.2% 3x
- Freedom Rise 1.5% 1.5% base rate
Online grocery
- Sapphire Preferred 6.2% 3x
- Freedom Rise 1.5% 1.5% base rate
Rideshare & taxis
- Sapphire Preferred 4.1% 2x
- Freedom Rise 1.5% 1.5% base rate
Peloton
- Sapphire Preferred 10.3% 5x
- Freedom Rise 1.5% 1.5% base rate
Lyft
- Sapphire Preferred 10.3% 5x
- Freedom Rise 2.0% 2%
What the numbers are doing
Sapphire Preferred tops everything else at 2.1% only because this table values its points at 2.05 cents each. Value them at one cent and Freedom Rise wins that category instead.
The table is earn rate only — annual fees are not netted out of it. These cards charge Freedom Rise $0 and Sapphire Preferred $95 a year, so a thin lead in one category may not cover the difference.
Where they differ: Sapphire Preferred takes everything else, dining, gas and travel, plus 5 more. Freedom Rise wins nothing outright in this wallet.
| Category | Best card |
|---|---|
| Everything else | Sapphire Preferred2.1% |
| Dining | Sapphire Preferred6.2% |
| Gas | Sapphire Preferred6.2% |
| Travel | Sapphire Preferred4.1% |
| Travel · portal | Sapphire Preferred · Chase Travel10.3% |
| Streaming | Sapphire Preferred6.2% |
| Online grocery | Sapphire Preferred6.2% |
| Rideshare & taxis | Sapphire Preferred4.1% |
| Peloton | Sapphire Preferred10.3% |
| Lyft | Sapphire Preferred10.3% |
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
- Sapphire Preferred — 2.1%
- Freedom Rise — 1.5%
Dining
- Sapphire Preferred — 6.2%
- Freedom Rise — 1.5%
Gas
- Sapphire Preferred — 6.2%
- Freedom Rise — 1.5%
Travel
- Sapphire Preferred — 4.1%
- Freedom Rise — 1.5%
Travel · portal
- Sapphire Preferred · Chase Travel — 10.3%
Streaming
- Sapphire Preferred — 6.2%
- Freedom Rise — 1.5%
Online grocery
- Sapphire Preferred — 6.2%
- Freedom Rise — 1.5%
Rideshare & taxis
- Sapphire Preferred — 4.1%
- Freedom Rise — 1.5%
Peloton
- Sapphire Preferred — 10.3%
- Freedom Rise — 1.5%
Lyft
- Sapphire Preferred — 10.3%
- Freedom Rise — 2.0%
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