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Chase Freedom Unlimited 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. Freedom Unlimited 1.5% 1.5% base rate
  2. United Business Card 1.2% 1x base rate

Dining

  1. Freedom Unlimited 3.0% 3%
  2. United Business Card 2.4% 2x

Gas

  1. United Business Card 2.4% 2x
  2. Freedom Unlimited 1.5% 1.5% base rate

Travel · portal

  1. Freedom Unlimited · Chase Travel 5.0% 5%

Drugstores

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

Public transit

  1. United Business Card 2.4% 2x
  2. Freedom Unlimited 1.5% 1.5% base rate

Rideshare & taxis

  1. United Business Card 2.4% 2x
  2. Freedom Unlimited 1.5% 1.5% base rate

Tolls

  1. United Business Card 2.4% 2x
  2. Freedom Unlimited 1.5% 1.5% base rate

What the numbers are doing

Abroad the answer flips: Freedom Unlimited charges a 3% foreign transaction fee, so once that comes off the rate United Business 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 Unlimited $0 and United Business Card $150 a year, so a thin lead in one category may not cover the difference.

Where they differ: Freedom Unlimited takes everything else, dining and drugstores; United Business Card takes gas, public transit, rideshare & taxis and tolls.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseFreedom Unlimited1.5%
DiningFreedom Unlimited3.0%
GasUnited Business Card2.4%
Travel · portalFreedom Unlimited · Chase Travel5.0%
DrugstoresFreedom Unlimited3.0%
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. Freedom Unlimited — 1.5%
  2. United Business Card — 1.2%

Dining

  1. Freedom Unlimited — 3.0%
  2. United Business Card — 2.4%

Gas

  1. United Business Card — 2.4%
  2. Freedom Unlimited — 1.5%

Travel · portal

  1. Freedom Unlimited · Chase Travel — 5.0%

Drugstores

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

Public transit

  1. United Business Card — 2.4%
  2. Freedom Unlimited — 1.5%

Rideshare & taxis

  1. United Business Card — 2.4%
  2. Freedom Unlimited — 1.5%

Tolls

  1. United Business Card — 2.4%
  2. Freedom Unlimited — 1.5%
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