Chase Freedom Flex® vs United Gateway Card

Chase Freedom Flex®Chase Freedom Flex®

Chase

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United Gateway CardUnited Gateway Card

Chase

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Chase Ultimate Rewards
United MileagePlus
Point Value
1.00¢/pt
1.35¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
20,000 Chase Ultimate Rewards after $500 in 90 days
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Effective return by category

CategoryChase Freedom Flex®United Gateway Card
Card Travel Portals5.00%
5x
1.35%
1x
Groceries5.00%
5x · Rotating (Quarterly) · $1,500 cap
1.35%
1x
Charity & Donations5.00%
5x · Rotating (Quarterly) · $1,500 cap
1.35%
1x
Dining & Restaurants3.00%
3x
1.35%
1x
Drugstores & Pharmacies3.00%
3x
1.35%
1x
Gas Stations1.00%
1x
2.70%
2x
Rideshare & Transit1.00%
1x
2.70%
2x
Everything else1.00%
1x
1.35%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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