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All comparisons
Head-to-head, 2026

Chase Freedom Flex Chase United Explorer

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

Bigger welcome offer: Chase United Explorer

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 Explorer

Annual fee
$0
Network
visa
Welcome value
$720
Min spend
$3,000 / 3mo

Top earning rates

  • 2×Travel · United MileagePlus
  • 2×Dining · United MileagePlus
  • 2×Hotel · United MileagePlus
  • 1×All_other_purchases · United MileagePlus

Key benefits

  • Free first checked bag · $200
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • $100 United travel credit (Spend Tier) · $100
  • JSX statement credit · $100
  • United Hotels credits · $100
Full Chase United Explorer 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.

Get my personal answer