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Chase Freedom Rise 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. Freedom Rise 1.5% 1.5% base rate
  2. United Quest Card 1.2% 1x base rate

Dining

  1. United Quest Card 2.4% 2x
  2. Freedom Rise 1.5% 1.5% base rate

Travel

  1. United Quest Card 2.4% 2x
  2. Freedom Rise 1.5% 1.5% base rate

Streaming

  1. United Quest Card 2.4% 2x
  2. Freedom Rise 1.5% 1.5% base rate

Flights

  1. United Quest Card 4.8% 4x
  2. Freedom Rise 1.5% 1.5% base rate

Hotels · portal

  1. United Quest Card · Renowned Hotels for United Cardmembers 6.0% 5x

Lyft

  1. Freedom Rise 2.0% 2%
  2. United Quest Card 1.2% 1x base rate

What the numbers are doing

Abroad the answer flips: Freedom Rise charges a 3% foreign transaction fee, so once that comes off the rate United Quest Card is the better card for everyday spend.

The table is earn rate only — annual fees are not netted out of it. These cards charge Freedom Rise $0 and United Quest Card $350 a year, so a thin lead in one category may not cover the difference.

Where they differ: Freedom Rise takes everything else and lyft; United Quest Card takes dining, travel, streaming and flights.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseFreedom Rise1.5%
DiningUnited Quest Card2.4%
TravelUnited Quest Card2.4%
StreamingUnited Quest Card2.4%
FlightsUnited Quest Card4.8%
Hotels · portalUnited Quest Card · Renowned Hotels for United Cardmembers6.0%
LyftFreedom Rise2.0%

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. Freedom Rise — 1.5%
  2. United Quest Card — 1.2%

Dining

  1. United Quest Card — 2.4%
  2. Freedom Rise — 1.5%

Travel

  1. United Quest Card — 2.4%
  2. Freedom Rise — 1.5%

Streaming

  1. United Quest Card — 2.4%
  2. Freedom Rise — 1.5%

Flights

  1. United Quest Card — 4.8%
  2. Freedom Rise — 1.5%

Hotels · portal

  1. United Quest Card · Renowned Hotels for United Cardmembers — 6.0%

Lyft

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