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Chase Freedom Flex vs United Quest 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 Quest 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 Quest Card 2.4% 2x

Groceries

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

Travel

  1. United Quest 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 Quest Card 1.2% 1x base rate

Streaming

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

Flights

  1. United Quest Card 4.8% 4x
  2. Freedom Flex 1.0% 1% base rate

Hotels · portal

  1. United Quest Card · Renowned Hotels for United Cardmembers 6.0% 5x
  2. Freedom Flex · Chase Travel 5.0% 5%

Lyft

  1. Freedom Flex 2.0% 2%
  2. United Quest Card 1.2% 1x 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 Quest 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 Quest Card $350 a year, so a thin lead in one category may not cover the difference.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseUnited Quest Card1.2%
DiningFreedom Flex7.0%
GroceriesFreedom Flex5.0%
TravelUnited Quest Card2.4%
Travel · portalFreedom Flex · Chase Travel5.0%
DrugstoresFreedom Flex3.0%
StreamingUnited Quest Card2.4%
FlightsUnited Quest Card4.8%
Hotels · portalUnited Quest Card · Renowned Hotels for United Cardmembers6.0%
LyftFreedom Flex2.0%

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 Quest Card — 1.2%
  2. Freedom Flex — 1.0%

Dining

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

Groceries

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

Travel

  1. United Quest 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 Quest Card — 1.2%

Streaming

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

Flights

  1. United Quest Card — 4.8%
  2. Freedom Flex — 1.0%

Hotels · portal

  1. United Quest Card · Renowned Hotels for United Cardmembers — 6.0%
  2. Freedom Flex · Chase Travel — 5.0%

Lyft

  1. Freedom Flex — 2.0%
  2. United Quest Card — 1.2%
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