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CardCurator — Rewards Intelligence
Card Comparison

Chase Freedom Flex vs United Club

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Chase Freedom Flex card art
Chase Ultimate Rewards
Chase Freedom Flex
Chase
More Info
United Club card art
United MileagePlus
United Club
Chase
More Info
Annual Fee
No annual fee
$695/yr
Foreign Fees
None
None
Signup Bonus
20,000 points
Spend $500 in 3 months
90,000 points
Spend $5,000 in 3 months
Top Earn Rates
  • Chase Travel 5x
  • Rotating Categories 5x
  • Dining 3x
  • United Purchases 4x
  • Dining 2x
  • Hotel Stays 2x
Reward Type
miles
miles
Key Credits
None
  • Global Entry/TSA PreCheck Credit $120
  • IHG Rewards Credit $120
Card Perks
None listed
  • United Club Membership
  • Free First and Second Checked Bags
  • Premier Access
  • +1 more
Transfer Partners
  • Virgin Atlantic Flying Club
  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Flying Blue
  • +9 more
No transfer partners
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Common Questions: Chase Freedom Flex vs United Club

Is the Chase Freedom Flex or United Club better for dining?

Chase Freedom Flex earns 3x on dining; United Club earns 2x on dining. Chase Freedom Flex wins for dining.

Which has the higher signup bonus in 2026?

Chase Freedom Flex currently offers 20,000 pts signup bonus (spend $500 in 3 months). United Club offers 90,000 pts signup bonus (spend $5,000 in 3 months). United Club has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Chase Freedom Flex and the United Club?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Chase, so check their specific application rules.