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All comparisons
Head-to-head, 2026

Chase Freedom Unlimited Chase United Quest

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

Lower annual fee: Chase Freedom UnlimitedBigger welcome offer: Chase United Quest

Chase

Freedom Unlimited

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

Top earning rates

  • 5×Travel · Chase Ultimate Rewards
  • 5×Rideshare · Chase Ultimate Rewards
  • 3×Dining · Chase Ultimate Rewards
  • 3×Drugstores · Chase Ultimate Rewards

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 Quest

Annual fee
$250
Network
visa
Welcome value
$840
Min spend
$4,000 / 3mo

Top earning rates

  • 3×United purchases · United MileagePlus
  • 2×Travel · United MileagePlus
  • 2×Dining · United MileagePlus
  • 2×Streaming services · United MileagePlus

Key benefits

  • Free first and second checked bags · $440
  • $200 annual United travel credit · $200
  • Two global Economy Plus upgrades (Spend Tier) · $200
  • JSX statement credit · $150
  • Renowned Hotels and Resorts statement credit · $150
Full Chase United Quest 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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