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Chase Freedom Flex® vs United Quest℠ Card
This comparison aims to help you decide between the Chase Freedom Flex® and the United Quest℠ Card. Both cards offer unique benefits catering to different spending habits and travel preferences.
Chase Freedom Flex® Overview
The Chase Freedom Flex® is a no-annual-fee credit card designed for individuals seeking flexible cash back rewards. With its rotating categories and bonus offers, it is ideal for users who frequently spend in various bonus categories and want to maximize their rewards without incurring an annual fee.
United Quest℠ Card Overview
The United Quest℠ Card is tailored for travelers who frequently fly with United Airlines. It comes with a substantial annual fee but offers generous rewards on United purchases and travel-related expenses, making it suitable for those who prioritize air travel and benefits like free checked bags and priority boarding.
Detailed Feature Comparison
| Feature | Chase Freedom Flex® | United Quest℠ Card |
|---|---|---|
| Annual Fee | $0 | $250 |
| Welcome Bonus | $200 after spending $500 in first 3 months | 60,000 bonus miles and 500 PQP after spending $4,000 in first 3 months |
| Rewards Structure | 5% cash back in rotating categories, 3% on dining/drugstores, 1% on other purchases | 3x miles on United®, 2x miles on dining/travel, 1x on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None | Up to $125 United purchase credit |
| Additional Benefits | No expiration on cash back, Chase Credit Journey | Free checked bags, priority boarding, up to 10,000 miles in award flight credits |
Rewards Highlights
United Quest℠ Card Rewards
- Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
- 3x miles on United® purchases.
- 2x miles on dining, select streaming services & all other travel.
- 1x mile on all other purchases.
Chase Freedom Flex® Rewards
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Travel℠.
- 3% cash back on dining and drugstores.
- 1% cash back on all other purchases.
Pros and Cons
Chase Freedom Flex® Pros and Cons
- Pros:
- No annual fee
- Flexible cash back structure with rotating categories
- Generous welcome bonus
- No foreign transaction fees
- Cons:
- Requires activation for bonus categories
- Cash back is not as robust for non-bonus purchases
United Quest℠ Card Pros and Cons
- Pros:
- Significant welcome bonus
- Robust rewards for United purchases
- Free checked bags and priority boarding
- Travel-related perks
- Cons:
- High annual fee
- Rewards are more valuable for frequent United flyers
Who Should Consider Which Card?
The Chase Freedom Flex® is ideal for individuals who prefer flexibility in their cash back rewards and do not want to pay an annual fee. It suits those who spend in varying categories each quarter.
Conversely, the United Quest℠ Card is better suited for frequent United Airlines travelers who can take advantage of the travel perks and are willing to pay an annual fee for enhanced rewards and benefits.
Conclusion
When deciding between the Chase Freedom Flex® and the United Quest℠ Card, consider your individual needs, spending habits, and travel patterns. Each card offers unique benefits that cater to different user preferences, so choose the one that aligns best with your financial goals.