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Last updated
Six value dimensions, scored 0–100. The solid bar leads that dimension.
Earning power
Statement credits
Lounge access
Hotel & status
Protections
Low annual fee
| Perk | Freedom FlexChase | United Club InfiniteChase |
|---|---|---|
| Costs & value | ||
| Annual fee | $0 Inferred by source | $695 Inferred by source |
| Realized value* | $0 | $120 |
| Net / year | +$0 | −$575 |
| Value check | Earns its keep | Earns its keep |
| Rewards | cashback | miles |
| Cash advance (ATM) | Either $10 or 5% of each transaction, whichever is greater Inferred by source | Either $10 or 5% of each transaction, whichever is greater Inferred by source |
| LoungesFull breakdown → | ||
| Networks | — | |
| Points & MilesFull breakdown → | ||
| Earn rates | 5× Rotating quarterly categories (activate) Inferred by source 5× Travel via Chase Travel Inferred by source 3× Dining & drugstores Inferred by source 1× Everything else Inferred by source | 4× United purchases Inferred by source 2× Dining & all other travel Inferred by source 1× Everything else Inferred by source |
| Redemption ValueFull breakdown → | ||
| Portal value | 1¢ per pt Inferred by source | 1.3¢ per pt Estimated by source |
| Hotel PerksFull breakdown → | ||
| Free first & second checked bags | — | Included Inferred by source |
| Premier status boost | — | Included Inferred by source |
| CreditsFull breakdown → | ||
| Credits | — | 1 credit · $120/yr |
| ProtectionsFull breakdown → | ||
| Rental car CDW | Secondary theft/damage coverage Inferred by source | Primary CDW coverage Inferred by source |
| Trip cancellation | Up to $1,500/person Inferred by source | Up to $10,000/person, $20,000/trip Inferred by source |
| Purchase protection | Up to $500/claim against damage or theft for 120 days from purchase (90 days for NY residents); $50,000/account/year Verified by source | — |
| Extended warranty | Extends manufacturer's warranty by 1 additional year on warranties of 3 years or less (up to 4 years total) Verified by source | — |
| Cell phone protection | Up to $800/claim, $1,000/12-month period; max 2 claims; $50 deductible; monthly bill must be paid with card. ENDS Sep 20 2026 — covers losses incurred through Sep 19 2026 Inferred by source | — |
| Baggage | — | Up to $3,000 per passenger Inferred by source |
| Foreign Tx FeesFull breakdown → | ||
| Fee | 3% Inferred by source | None Inferred by source |
| CashbackFull breakdown → | ||
| Rate | 5% rotating quarterly categories (activate, up to $1,500/qtr), 5% travel via Chase Travel, 3% dining & drugstores, 1% else Inferred by source | — |
| Apply & freshness | ||
| Data last verified | Aug 2, 2026 | Jun 3, 2026 |
| Apply | Apply | Apply |
*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it
On paper the Chase Freedom Flex® comes out ahead: by realized value minus the annual fee, the Chase Freedom Flex® nets +$0/yr and the United Club℠ Infinite Card nets −$575/yr. Which is actually better depends on your spending and which perks you'll use.
The Chase Freedom Flex® has the lower annual fee ($0 vs $695).
The United Club℠ Infinite Card includes lounge access (United Club); the Chase Freedom Flex® does not.