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All comparisons
Head-to-head, 2026

Chase Freedom Unlimited 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 Unlimited

Chase

Freedom Unlimited

Annual fee
$0
Network
visa
Welcome value
$200
Min spend
$500 / 3mo

Top earning rates

  • 5×Travel purchased through Chase Travel
  • 3×Dining at restaurants, including takeout and eligible delivery services
  • 3×Drugstore purchases
  • 2×Qualifying Lyft products and services purchased through the Lyft mobile application

Key benefits

  • Quarterly DoorDash non-restaurant discount · $10
  • Travel and Emergency Assistance Services · $0
  • Freedom's Cashback Moments · $0
  • $0 Fraud Liability · $0
Full Chase Freedom Unlimited review

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
Full Chase United 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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