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All comparisons
Head-to-head, 2026

Chase Freedom Flex Chase United Business

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Freedom FlexBigger welcome offer: Chase United Business

Chase

Freedom Flex

Annual fee
$0
Network
mastercard
Welcome value
$200
Min spend
$500 / 3mo

Top earning rates

  • 5×rotating quarterly categories · Chase Ultimate Rewards
  • 5×travel · Chase Ultimate Rewards
  • 3×dining · Chase Ultimate Rewards
  • 3×drugstores · Chase Ultimate Rewards

Key benefits

  • 5% Quarterly Rotating Categories · $300
  • 1% Base Cash Back Rate · $163
  • 5% on Chase Travel purchases · $150
  • 3% on Dining · $108
  • No Minimum Rewards Redemption · $25
Full Chase Freedom Flex review

Chase

United Business

Annual fee
$150
Network
visa
Welcome value
$900
Min spend
$5,000 / 3mo

Top earning rates

  • 2×United purchases · United MileagePlus
  • 2×gas stations · United MileagePlus
  • 2×office supply stores · United MileagePlus
  • 2×dining · United MileagePlus

Key benefits

  • First Checked Bag Free · $140
  • 1x Base Earning Rate · $138
  • $125 United Travel Credit · $125
  • Premier Qualifying Points (PQP) Earn · $100
  • 2 United Club One-Time Passes · $100
Full Chase United Business review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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