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Chase Freedom Flex vs United Business Card

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. United Business Card 1.2% 1x base rate
  2. Freedom Flex 1.0% 1% base rate

Dining

  1. Freedom Flex 7.0% 7%: 3% plus the rotating bonus this quarter
  2. United Business Card 2.4% 2x

Groceries

  1. Freedom Flex 5.0% 5%, rotating this quarter
  2. United Business Card 1.2% 1x base rate

Gas

  1. United Business Card 2.4% 2x
  2. Freedom Flex 1.0% 1% base rate

Travel · portal

  1. Freedom Flex · Chase Travel 5.0% 5%

Drugstores

  1. Freedom Flex 3.0% 3%
  2. United Business Card 1.2% 1x base rate

Public transit

  1. United Business Card 2.4% 2x
  2. Freedom Flex 1.0% 1% base rate

Rideshare & taxis

  1. United Business Card 2.4% 2x
  2. Freedom Flex 1.0% 1% base rate

Tolls

  1. United Business Card 2.4% 2x
  2. Freedom Flex 1.0% 1% base rate

What the numbers are doing

Freedom Flex wins dining at 7% because the rotating calendar is on it this quarter, stacked on the card's own 3%. The quarter ends December 31, 2026; after it the card earns 3% there, and no later quarter in the published calendar brings it back.

United Business Card tops everything else at 1.2% only because this table values its points at 1.2 cents each. Value them at one cent and Freedom Flex wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Freedom Flex $0 and United Business Card $150 a year, so a thin lead in one category may not cover the difference.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseUnited Business Card1.2%
DiningFreedom Flex7.0%
GroceriesFreedom Flex5.0%
GasUnited Business Card2.4%
Travel · portalFreedom Flex · Chase Travel5.0%
DrugstoresFreedom Flex3.0%
Public transitUnited Business Card2.4%
Rideshare & taxisUnited Business Card2.4%
TollsUnited Business Card2.4%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. United Business Card — 1.2%
  2. Freedom Flex — 1.0%

Dining

  1. Freedom Flex — 7.0%
  2. United Business Card — 2.4%

Groceries

  1. Freedom Flex — 5.0%
  2. United Business Card — 1.2%

Gas

  1. United Business Card — 2.4%
  2. Freedom Flex — 1.0%

Travel · portal

  1. Freedom Flex · Chase Travel — 5.0%

Drugstores

  1. Freedom Flex — 3.0%
  2. United Business Card — 1.2%

Public transit

  1. United Business Card — 2.4%
  2. Freedom Flex — 1.0%

Rideshare & taxis

  1. United Business Card — 2.4%
  2. Freedom Flex — 1.0%

Tolls

  1. United Business Card — 2.4%
  2. Freedom Flex — 1.0%
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