Chase Rise — $25 Sign-Up Bonus (2026 Review)
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- No minimum spend required for the bonus
- Availability: Nationwide
- Annual fee: $0
The 5/24 ruleChase usually declines you if you have opened five or more personal cards from any bank in the past 24 months.
Chase has never published this rule, but it has held since 2015 and still holds in 2026. The count covers personal cards from every issuer, not only Chase, and it includes cards where you are just an authorized user, because those show on your credit report. Store cards count only if they can be used elsewhere, so a branded Visa or Mastercard counts and a closed-loop store card does not. Auto loans, mortgages and applications that were denied do not count.
One bonus per Sapphire card, for lifepersonal cardsEach Sapphire card pays its welcome bonus once per lifetime, and holding one no longer blocks the bonus on the other.
This replaced the old 48-month Sapphire family rule on January 22, 2026. Until then any Sapphire bonus in the previous 48 months blocked a new one, and Preferred and Reserve were treated as a single family. The terms on each card page now say only that the card is unavailable if you already have that same one open, and that the bonus may not be available if you previously held that card or already received its bonus. Chase adds that it may also consider how many cards you have opened and closed.
Roughly two cards per 30 daysUnconfirmedChase tends to approve about two personal cards, or about one business card, in any rolling 30 days.
This is a community pattern rather than a Chase rule, and the data points behind it are not consistent. The usual guidance is at most two new personal Chase cards in a rolling 30-day window, and roughly one business card in that same window, with a personal and a business application close together sometimes counting against each other. Some people report being made to wait longer than 30 days. Use it for spacing applications, not as a promise.
Rewards Earning
Overview
The Chase Rise is currently offering $25 with no minimum-spend requirement — check the issuer's offer terms for the qualifying activity. There's no annual fee, so the $25 bonus is close to pure profit. Estimated net year-one value: $25 — the bonus is cash back, valued at face.
Pros
Cons
Notes
This $25 offer has no minimum-spend requirement — confirm the qualifying activity in the issuer's terms, then put the card to work in its strongest categories. Route your everyday bills — utilities, groceries, gas, streaming subscriptions — through the Chase Rise so it keeps earning after the $25 bonus posts. Mind your issuer rules: Chase will deny this if you've opened 5+ personal cards in the last 24 months. With no annual fee there's nothing to cancel for — keep it open after the bonus posts so the account keeps aging your average credit history.
How This Compares
Within Chase's personal lineup, the closest comparison is the Chase Amazon Prime Visa ($200 after $0/0mo, $0 AF). The Chase Rise is the right pick when you value a clean no-AF SUB and don't need the elevated category bonuses of the fee-bearing card.
Frequently Asked Questions
What's the current Chase Rise sign-up bonus?
The current bonus is $25, with no minimum-spend requirement — confirm the qualifying activity on the issuer's page before applying, as offers change often.
What's the Chase Rise annual fee?
There is no annual fee on the Chase Rise.
Does the Chase 5/24 rule apply to this card?
Yes. If you've opened five or more personal credit cards in the last 24 months, Chase will auto-deny this application regardless of credit score.
How long does the Chase Rise sign-up bonus take to post?
Once you complete the qualifying activity, the bonus typically posts within 1–2 statement cycles — roughly 6–8 weeks. Track the milestone in Stacks OS Spending so you don't miss the deadline.
Related Cards
Sources (1)
We last checked this against the bank's page on September 26, 2026.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.