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All comparisons
Head-to-head, 2026

Chase Freedom Flex Chase United Club Infinite

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×Bonus categories
  • 5×Travel
  • 3×Dining at restaurants, including takeout and eligible delivery services
  • 3×Drugstore purchases

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 Infinite

Annual fee
$695
Network
visa
Welcome value
—
Min spend
$5,000 / 3mo

Top earning rates

  • 11×Eligible United flights
  • 5×All other eligible United purchases
  • 5×Hotel stays
  • 2×All other travel

Key benefits

  • Free first and second checked bags · $440
  • JSX statement credit · $200
  • Renowned Hotels and Resorts credit · $200
  • Global Entry, TSA PreCheck or NEXUS credit · $120
  • Renowned Hotels and Resorts property benefits · $100
Full Chase United Club Infinite 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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