Which card earns more rewards, the Chase Freedom Flex or United Gateway Card?

The Chase Freedom Flex has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Chase Freedom Flex have that the United Gateway Card doesn't?

The Chase Freedom Flex focuses on earn rates, while the United Gateway Card offers travel credits.

Should I get the Chase Freedom Flex or the United Gateway Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Chase Freedom Flex or United Gateway Card?

The Chase Freedom Flex has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Chase Freedom Flex have that the United Gateway Card doesn't?

The Chase Freedom Flex focuses on earn rates, while the United Gateway Card offers travel credits.

Should I get the Chase Freedom Flex or the United Gateway Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Chase Freedom Flex or United Gateway Card?

The Chase Freedom Flex has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Chase Freedom Flex have that the United Gateway Card doesn't?

The Chase Freedom Flex focuses on earn rates, while the United Gateway Card offers travel credits.

Should I get the Chase Freedom Flex or the United Gateway Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Chase Freedom Flex vs United Gateway Card

Both cards cost $0/yr. The Chase Freedom Flex is better for rotating quarterly, while the United Gateway Card wins on united purchases. Here's how they compare.

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

30,000 Airline

Earn Rates

Category	Chase Freedom Flex	United Gateway Card
Rotating Quarterly	5X	1X
Drugstores	3X	1X
Gas Stations	1X	2X
Ridesharing	1X	2X
Tolls	1X	2X
Transit	1X	2X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

✓Travel insurance

✓Purchase protection

✓Travel credit

✓Travel insurance

Pros & Cons

Pros

+5% on rotating categories up to $1,500/quarter when activated
+3% on dining and drugstores with no annual cap
+5X on Chase Travel portal purchases
+$0 annual fee with Mastercard World Elite benefits
+Transfer points 1:1 to travel partners with Sapphire card

+No annual fee ever
+No foreign transaction fees
+2x miles on United purchases, gas stations, and local transit/rideshare
+25% back on United inflight purchases and Club premium drinks
+0% intro APR for 12 months on purchases

Cons

−Must activate quarterly categories or miss 5% bonus
−$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
3% foreign transaction fee

Category-by-Category Winner

The United Gateway Card wins in 6 of 8 categories. The Chase Freedom Flex leads in 2.

Rotating Quarterly

Chase Freedom Flex earns 5X vs 1X

Drugstores

Chase Freedom Flex earns 3X vs 1X

United Purchases

United Gateway Card earns 2X vs 1X

Gas Stations

United Gateway Card earns 2X vs 1X

Ridesharing

United Gateway Card earns 2X vs 1X

Tolls

United Gateway Card earns 2X vs 1X

Transit

United Gateway Card earns 2X vs 1X

United Airlines

United Gateway Card earns 2X vs 1X

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing United Gateway Card means losing:

Frequently Asked Questions

Which card earns more rewards, the Chase Freedom Flex or United Gateway Card?: The Chase Freedom Flex has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Chase Freedom Flex have that the United Gateway Card doesn't?: The Chase Freedom Flex focuses on earn rates, while the United Gateway Card offers travel credits.
Should I get the Chase Freedom Flex or the United Gateway Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Chase Freedom Flex — Full Review All Chase Cards

United Gateway Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Chase Freedom Flex vs United Gateway Card

Both cards cost $0/yr. The Chase Freedom Flex is better for rotating quarterly, while the United Gateway Card wins on united purchases. Here's how they compare.