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Chase Freedom Unlimited® vs United Quest℠ Card
This comparison aims to help you decide between the Chase Freedom Unlimited® and the United Quest℠ Card. Each card offers unique benefits tailored to different spending habits and travel preferences.
Card Overviews
Chase Freedom Unlimited®
The Chase Freedom Unlimited® is designed for users who want a straightforward cash back rewards card with no annual fee. It offers attractive cash back on a variety of purchases and is ideal for those who prefer flexible redemption options.
United Quest℠ Card
The United Quest℠ Card is tailored for frequent travelers, particularly those who fly with United Airlines. With a higher annual fee, it provides valuable travel rewards, including bonus miles and travel credits, making it a good choice for avid flyers.
Detailed Feature Comparison
| Feature | Chase Freedom Unlimited® | United Quest℠ Card |
|---|---|---|
| Annual Fee | $0 | $250 |
| Welcome Bonus | $250 bonus 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 on travel through Chase Travel, 3% on dining and drugstore, 1.5% on all other purchases | 3x miles on United purchases, 2x on travel, dining, and select streaming, 1x on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | No minimum to redeem cash back; cash back does not expire | Up to $125 United purchase credit; up to 10,000 miles in award flight credits |
| Additional Benefits | 0% Intro APR for 15 months; Chase Credit Journey for credit monitoring | Free first and second checked bags; priority boarding |
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 Unlimited® Rewards
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
- 1.5% cash back on all other purchases.
Pros and Cons
Chase Freedom Unlimited® Pros
- No annual fee
- Flexible cash back rewards
- Great introductory bonus
- No minimum redemption requirement
Chase Freedom Unlimited® Cons
- Lower rewards rate on travel compared to dedicated travel cards
- Cash back rewards may not be as valuable for frequent travelers
United Quest℠ Card Pros
- Significant travel rewards for United Airlines purchases
- Valuable travel perks such as checked bag allowances
- High potential bonus miles
United Quest℠ Card Cons
- High annual fee
- More beneficial for frequent United travelers
Who Should Consider Which Card?
The Chase Freedom Unlimited® is ideal for casual spenders who prefer cash back rewards without an annual fee and value flexibility in redemption. On the other hand, the United Quest℠ Card is best suited for frequent United Airlines travelers who can take advantage of the travel perks and rewards structure.
Conclusion
When choosing between the Chase Freedom Unlimited® and the United Quest℠ Card, consider your individual spending habits and travel preferences. Each card offers unique benefits that may align differently with your financial goals.