All comparisons
Head-to-head, 2026
Chase Freedom Flex Chase United Club Business
Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.
Chase
Freedom Flex
- Annual fee
- $0
- Network
- mastercard
- Welcome value
- $200
- Min spend
- $500 / 3mo
Top earning rates
- 5×Travel · Chase Ultimate Rewards
- 5×Rotating categories · Chase Ultimate Rewards
- 3×Dining · Chase Ultimate Rewards
- 3×Drugstores · Chase Ultimate Rewards
Key benefits
- Quarterly DoorDash non-restaurant discount · $10
- Extended warranty protection · $0
- Cell phone protection · $0
- Purchase protection · $0
- Trip cancellation and interruption insurance · $0
Chase
United Club Business
- Annual fee
- $0
- Network
- visa
- Welcome value
- —
- Min spend
- $5,000 / 3mo
Top earning rates
- 2×United purchases · United MileagePlus
- 1.5×All other purchases · United MileagePlus
Key benefits
- Free first and second checked bags · $300
- 2 global Economy Plus seat upgrades (Spend Tier) · $200
- JSX statement credit · $200
- Renowned Hotels and Resorts credit · $200
- Avis or Budget United travel credit · $100
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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