Head to head 
Chase Freedom Flex vs. United Gateway Card
On the criteria below, United Gateway Card wins 2 of 4. The verdict depends on which criteria matter to you.
Chase Freedom Flex
Chase
United Gateway Card
Chase
At a glance
United Gateway Card wins 2 of 4 criteria here, making it the stronger all-rounder.
United Gateway Card leads on first-year math and foreign transactions, while Chase Freedom Flex only ties the rest.
Pick the United Gateway Card if year-one math is your priority.
Who wins what
0 vs 2 (2 tie)- First-year math United Gateway Card
United Gateway Card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Tie
Same peak earning rate.
- Foreign transactions United Gateway Card
United Gateway Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $200
- $520
- First-year net
- +$200
- +$520
- Peak earning rate
- 5×
- 5×
- Top categories
- Rotating Quarterly, Chase Travel, Dining
- Airfare, Travel, Gas
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- Chase Ultimate Rewards
- United MileagePlus
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.