iptables drop unmatched packets

Is there a way to accept where the rest of the chain is not checked? if my chain has the following rules

-p tcp -m tcp --dport 25 -m state --state NEW,ESTABLISHED -j ACCEPT

-j DROP

all packets to port 25 are dropped, but if I remove -j DROP, they are not. setting a default policy is not an option as this is a user chain. Is the only option to use -j RETURN and set the default policy of INPUT to DROP?