Chase Freedom Unlimited vs United Club Business Card
Both are Chase cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- United Club Business Card 1.8% 1.5x base rate
- Freedom Unlimited 1.5% 1.5% base rate
Dining
- Freedom Unlimited 3.0% 3%
- United Club Business Card 1.8% 1.5x base rate
Travel · portal
- Freedom Unlimited · Chase Travel 5.0% 5%
Drugstores
- Freedom Unlimited 3.0% 3%
- United Club Business Card 1.8% 1.5x base rate
Lyft
- Freedom Unlimited 2.0% 2%
- United Club Business Card 1.8% 1.5x base rate
What the numbers are doing
United Club Business Card tops everything else at 1.8% only because this table values its points at 1.2 cents each. Value them at one cent and Freedom Unlimited wins that category instead.
The table is earn rate only — annual fees are not netted out of it. These cards charge Freedom Unlimited $0 and United Club Business Card $695 a year, so a thin lead in one category may not cover the difference.
Where they differ: United Club Business Card takes everything else; Freedom Unlimited takes dining, drugstores and lyft.
| Category | Best card |
|---|---|
| Everything else | United Club Business Card1.8% |
| Dining | Freedom Unlimited3.0% |
| Travel · portal | Freedom Unlimited · Chase Travel5.0% |
| Drugstores | Freedom Unlimited3.0% |
| Lyft | Freedom Unlimited2.0% |
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
- United Club Business Card — 1.8%
- Freedom Unlimited — 1.5%
Dining
- Freedom Unlimited — 3.0%
- United Club Business Card — 1.8%
Travel · portal
- Freedom Unlimited · Chase Travel — 5.0%
Drugstores
- Freedom Unlimited — 3.0%
- United Club Business Card — 1.8%
Lyft
- Freedom Unlimited — 2.0%
- United Club Business Card — 1.8%
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