Chase Freedom Flex vs. United Quest Card
On the criteria below, United Quest Card wins 3 of 4. The verdict depends on which criteria matter to you.
Chase Freedom Flex
Chase
United Quest Card
Chase
United Quest Card wins 3 of 4 criteria here, making it the stronger all-rounder.
Chase Freedom Flex wins on annual fee; United Quest Card wins on first-year math, earning ceiling, and foreign transactions.
Pick the United Quest Card if year-one math is your priority; take the Chase Freedom Flex if you want a cheaper card to keep long-term.
Who wins what
1 vs 3- First-year math United Quest Card
United Quest Card wins on bonus value minus annual fee.
- Annual fee Chase Freedom Flex
Chase Freedom Flex is $350 cheaper to keep.
- Earning ceiling United Quest Card
United Quest Card earns more on its best category (10× vs 5×).
- Foreign transactions United Quest Card
United Quest Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- $350
- Welcome offer (typical value)
- $200
- $910
- First-year net
- +$200
- +$560
- Peak earning rate
- 5×
- 10×
- Top categories
- Rotating Quarterly, Chase Travel, Dining
- Airfare, Travel, Hotels Resorts
- 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.