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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.

Bigger welcome offer: Chase United Club Business

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
Full Chase Freedom Flex review

Chase

United Club Business

Annual fee
$0
Network
visa
Welcome value
$1,050
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
Full Chase United Club 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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