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 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
Chase
United Quest
- Annual fee
- $350
- Network
- visa
- Welcome value
- —
- Min spend
- $4,000 / 3mo
Top earning rates
- 5×Hotel accommodation purchases made using your card with Renowned Hotels and Resorts for United® Cardmembers · MileagePlus
- 4×Airline tickets purchased from United, and on the following purchases made from United: seat upgrades; Economy Plus®; inflight food, beverages and Wi-Fi; baggage service charges or other United fees · MileagePlus
- 4×United Card Events from Chase · MileagePlus
- 2×Dining at restaurants including takeout and eligible delivery services · MileagePlus
Key benefits
- Free first and second checked bags · $440
- Two global Economy Plus upgrades (Spend Tier) · $200
- $200 annual United travel credit · $200
- JSX statement credit · $150
- Renowned Hotels and Resorts statement credit · $150
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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