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All comparisons
Head-to-head, 2026

Chase Freedom Unlimited 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 Unlimited

Chase

Freedom Unlimited

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

Top earning rates

  • 5×Travel purchased through Chase TravelSM
  • 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
  • Freedom's Cashback Moments · $0
  • Zero Liability Protection · $0
  • Travel and Emergency Assistance · $0
Full Chase Freedom Unlimited 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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