Chase Freedom Unlimited vs. United Club Infinite Card
On the criteria below, United Club Infinite Card wins 4 of 5. The verdict depends on which criteria matter to you.
Chase Freedom Unlimited
Chase
United Club Infinite Card
Chase
United Club Infinite Card wins 4 of 5 criteria here, making it the stronger all-rounder.
Chase Freedom Unlimited wins on annual fee; United Club Infinite Card wins on first-year math, earning ceiling, lounge access, and foreign transactions.
Pick the United Club Infinite Card if year-one math is your priority; take the Chase Freedom Unlimited if you want a cheaper card to keep long-term.
Who wins what
1 vs 4- First-year math United Club Infinite Card
United Club Infinite Card wins on bonus value minus annual fee.
- Annual fee Chase Freedom Unlimited
Chase Freedom Unlimited is $695 cheaper to keep.
- Earning ceiling United Club Infinite Card
United Club Infinite Card earns more on its best category (11× vs 5×).
- Lounge access United Club Infinite Card
United Club Infinite Card includes lounge access; the other doesn't.
- Foreign transactions United Club Infinite Card
United Club Infinite Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- $695
- Welcome offer (typical value)
- $200
- $1,170
- First-year net
- +$200
- +$475
- Peak earning rate
- 5×
- 11×
- Top categories
- Chase Travel, Dining, Drugstores
- Airfare, Travel, Hotels Resorts
- Lounge access
- No
- United Club
- 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.