Head to head

Chase Freedom Unlimited 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 Unlimited

Chase

Chase

At a glance

United Quest Card wins 3 of 4 criteria here, making it the stronger all-rounder.

Chase Freedom Unlimited 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 Unlimited if you want a cheaper card to keep long-term.

1 vs 3

First-year math United Quest Card

United Quest Card wins on bonus value minus annual fee.
Annual fee Chase Freedom Unlimited

Chase Freedom Unlimited 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.

Annual fee: Free; $350
Welcome offer (typical value): $200; $910
First-year net: +$200; +$560
Peak earning rate: 5×; 10×
Top categories: Chase Travel, Dining, Drugstores; 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.