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 Flex
Chase
Freedom Flex
- Annual fee
- $0
- Network
- mastercard
- Welcome value
- $200
- Min spend
- $500 / 3mo
Top earning rates
- 5×Combined purchases in bonus categories each quarter you activate · Chase Ultimate Rewards
- 5×Travel · Chase Ultimate Rewards
- 3×Dining at restaurants, including takeout and eligible delivery services · Chase Ultimate Rewards
- 3×Drugstore purchases · Chase Ultimate Rewards
Key benefits
- Quarterly DoorDash non-restaurant discount · $10
- Auto Rental Collision Damage Waiver · $0
- Cell Phone Protection · $0
- Purchase Protection · $0
- Trip Cancellation and Interruption Insurance · $0
Chase
United Business
- Annual fee
- $695
- Network
- visa
- Welcome value
- —
- Min spend
- $5,000 / 3mo
Top earning rates
- 2×United Airlines purchases · United MileagePlus
- 2×Gas stations · United MileagePlus
- 2×Office supply stores · United MileagePlus
- 2×Restaurants · United MileagePlus
Key benefits
- 2 Global Economy Plus Seat Upgrades · $300
- Free first and second checked bags · $280
- 5,000-mile Better-Together Anniversary Bonus · $65
- United Club Membership · $0
- Employee Cards · $0
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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