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Each card across six value dimensions (0–100). Bigger area = more all-round value.
| Perk | ChaseFreedom FlexChase | ChaseUnited Club InfiniteChase |
|---|---|---|
| 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 |
| Lounges | — | |
| Points & Miles | 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 Value | 1¢ per pt Inferred by source | 1.3¢ per pt Estimated by source |
| Hotel Perks | — | Free first & second checked bags Inferred by source Premier status boost Inferred by source |
| Credits | — | 1 credit · $120/yr |
| Protections | rental cdw — Secondary theft/damage coverage Inferred by source trip cancellation — Up to $1,500/person 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 — Up to $800/claim, $1,000/12-month period; max 2 claims; $50 deductible; monthly bill must be paid with card Verified by source | trip cancellation — Up to $10,000/person, $20,000/trip Inferred by source rental cdw — Primary CDW coverage Inferred by source baggage — Up to $3,000 per passenger Inferred by source |
| Foreign Tx Fees | 3% Inferred by source | None Inferred by source |
| Cashback | 5% rotating quarterly categories (activate, up to $1,500/qtr), 5% travel via Chase Travel, 3% dining & drugstores, 1% else Inferred by source | — |
| Data last verified | Jun 17, 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.