Editorial take: Chase Freedom Flex
Worth it only if you'll actually activate the rotating 5% categories every quarter. If you won't, the Freedom Unlimited earns more on everyday spend with zero effort.
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Side-by-side
Chase Freedom Flex vs United Club Business Card
Both are well-respected travel cards. The Chase Freedom Flex comes from Chase at $0/yr; the United Club Business Card from Chase at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the United Club Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,300 more in estimated value) than the Chase Freedom Flex's. Get the United Club Business Card first; revisit the Chase Freedom Flex after you've earned that bonus.
| Feature | Chase Freedom Flex | United Club Business Card |
|---|---|---|
| Annual fee | $0 | $695 |
| Sign-up bonus | $200 cash back | 100,000 miles + 2,000 PQP |
| Bonus value (est.) | $200 | $1,500 |
| Min spend to unlock bonus | $500 in 3 mo | $5,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | cashback | business |
| Best earning category (Rotating) | 5x | 1x |
| Transfer partners | chase-ur | None |
| Headline benefits |
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Read the full review
Chase Freedom Flex
$0/yr · $200 cash back
Read the full review
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP
Editorial take: United Club Business Card
Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.
Common questions
- Which card has the bigger sign-up bonus, Chase Freedom Flex or United Club Business Card?
- The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus $200 cash back (~$200) on the Chase Freedom Flex.
- Is the Chase Freedom Flex's $0 annual fee worth it compared to the United Club Business Card?
- The Chase Freedom Flex has no annual fee, so the question is whether the United Club Business Card's $695 fee is justified by its perks. If you'll use enough of the United Club Business Card's benefits to clear $695 in value annually, it's worth it; otherwise stick with the Chase Freedom Flex.
- Can I have both the Chase Freedom Flex and United Club Business Card?
- Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Chase Freedom Flex or the United Club Business Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Freedom Flex: $500 spend in 3 months. United Club Business Card: $5,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.