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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

  • 1.5% cash back on all other purchases · $267
  • 5% cash back on Chase Travel · $150
  • 3% cash back on Dining · $108
  • 5% cash back on Lyft · $60
  • Chase Offers · $50
Full Chase Freedom Unlimited review

Chase

United Quest

Annual fee
$350
Network
visa
Welcome value
$840
Min spend
$4,000 / 3mo

Top earning rates

  • 3×United purchases · United MileagePlus
  • 2×other travel · United MileagePlus
  • 2×dining · United MileagePlus
  • 2×select streaming services · United MileagePlus

Key benefits

  • Free First and Second Checked Bags · $320
  • PQP on Spend · $200
  • Primary Auto Rental CDW · $150
  • MileagePlus Award Flight Credits · $130
  • $125 Annual United Credit · $125
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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