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VS

Compare the Features and Benefits of Chase Freedom Unlimited® and
United Quest℠ Credit Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
APR on balance transfers
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Purchase Protection
Extended Warranty
Trip Protections
Free Access to Credit Score
0% Intro APR on Purchases
0% Intro APR on Balance Transfers
Secondary Car Rental CDW Waiver
Annual Statement Credits
Free Checked Bags
Priority Boarding
Global Entry / TSA PreCheck Reimbursement
No Foreign Transaction Fees
Primary Car Rental CDW Waiver
Travel and Emergency Assistance Services
Concierge Services
Annual Fee
$0
Avg. Min. Credit Score
670-850
APR on purchases
0% Intro APR (on purchases for 15 months, 19.99%-28.74% thereafter)
APR on balance transfers
0% Intro APR (on balance transfers for 15 months, 19.99%-28.74% thereafter)
Ongoing APR
19.99%-28.74% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Airfare

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.

5x Car Rentals

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.

5x Hotels

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.

5x Lyft
3x Dining Out / Food Delivery
3x Drugstores
1.5x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

This is a staple card in the Chase Trifecta, which includes a Chase Sapphire Preferred or Chase Sapphire Reserve, a Chase Freedom Flex, and this card, the Chase Freedom Unlimited.

The primary benefit of this card, from a bonus category perspective, is the ability to earn 1.5% on all purchases that don’t have a bonus category. So while you earn 3% on dining and drugstore purchases with the Freedom Unlimited, you’ll earn 1.5% cash back on anything else, like insurance or utilities.

drugstores-chase-freedom-unlimited

But since the Chase Freedom Unlimited is a pure cash back credit card unless you also have a Chase Sapphire Preferred®, Sapphire Reserve®, or Ink Business Preferred® with which to combine your Chase Ultimate Rewards points, it’s ideally used as a combo.

When you hold one of these premium Ultimate Rewards-earning credit cards, you can transfer points earned on the Freedom Unlimited to the premium card. Once you’ve moved the Ultimate Rewards over to the premium credit card, you can take advantage of points transfers to 12 Chase airline and hotel partners or book travel through the travel portal.

If you book through Chase Travel℠ and have a Sapphire Reserve, your points redeem for 1.5 cents each, meaning that you earn 1.5X points or cash back per dollar and redeem them for 1.5X, giving you an effective 2.25% return on your spend.

If you book through Chase Travel℠ and have a Sapphire Preferred, or Ink Business Preferred, your points redeem for 1.25 cents each, meaning that you earn 1.5X per dollar and redeem for 1.5X, giving you an effective 1.875% return on your spend.

But our absolute favorite way to redeem is always via airline and hotel transfer partners. The easiest high-value redemption is usually Hyatt. We often get better than 2 cents per World of Hyatt point. Keep in mind that Hyatt doesn’t charge any resort fees when you stay on a free night award. So let’s say you are looking at a hotel with a cash price of $259 and a $25 a night resort fee and 8% tax. That would come to $307 a night. But if that same room costs 8,000 or 12,000 Hyatt points, you could be using your points (which transfer at an even 1:1 ratio to all airline and hotel partners) with a rate of return of 3 – 4 cents.

That said, even without a card combo, it’s still a solid card to earn 1.5% cash back (plus 3% on dining, including takeout and eligible delivery services, and drugstores) since it has no annual fee. Best of all, you can accrue cash back on this card and decide to add a Chase Sapphire Preferred®, Sapphire Reserve®, or Ink Business Preferred® later on – if you suddenly decide that you’d like to delve into the world of credit card rewards that transfer to frequent flyer and hotel programs to book free award flights and hotel nights.

It comes with a solid range of benefits for a card with no annual fee, too. You’ll get Purchase Protection and Extended Warranty on the shopping side and you’ll be taken care of on canceled or shortened pre-paid trips if a covered reason arises. with the included Trip Cancellation/Interruption Insurance.

Read more
Unique Card Benefits
yes
Purchase Protection
yes
Extended Warranty
yes
Trip Protections
yes
Free Access to Credit Score
yes
0% Intro APR on Purchases
yes
0% Intro APR on Balance Transfers
yes
Secondary Car Rental CDW Waiver
yes
Annual Statement Credits
no
Free Checked Bags
no
Priority Boarding
no
Global Entry / TSA PreCheck Reimbursement
no
No Foreign Transaction Fees
no
Primary Car Rental CDW Waiver
no
Travel and Emergency Assistance Services
no
Concierge Services
no
Annual Fee
$250
Avg. Min. Credit Score
670-850
APR on purchases
-
APR on balance transfers
-
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
3x Airfare
2x Transit
2x Car Rentals
2x Dining Out / Food Delivery
2x Hotels
2x Streaming Services
1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The United Quest Card is a fantastic option for United flyers that travel with the airline at least several times per year. There are also a number of unique perks that you don’t see on other airline credit cards. Let’s take a closer look.

First, a $125 annual United credit is easy to use since it’s applied as an automatic statement credit as you make United purchases on the card. You’ll also automatically get 5,000 United miles back into your account after you redeem United miles for an award flight — up to two times per anniversary year. Finally, this card also benefits those that overpack when they travel — the Quest card provides not one, but two free checked bags for the primary card holder and one companion traveling on the same reservation. That’s a potential luggage reimbursement savings of up to $320 per round trip.

Two of the perks, the $125 United credit and up to 10,000 mileage reimbursement, already go far in making the $250 annual fee worth it, especially since these are unique benefits that aren’t duplicated on other United credit cards.

In addition to offering a generous United Quest Card bonus, the card also includes a 25% discount on food and beverages on United operated flights and a wide array of travel and purchase protections. On the bonus category front, there’s a wide array including the ability to earn 3X miles on United Airlines purchases (after the $125 United credit is applied), 2X miles on the broad category of travel, 2X miles on dining, including eligible delivery services, and 2X miles on select streaming services.

dining-united-quest-credit-card

And don’t forget the ability to earn PQPs towards elite status from spend. You’ll earn 25 Premier Qualifying Points (PQPs) for every $500 you spend on purchases – up to 6,000 PQPs per year.

More frequent United Airlines flyers may want to consider the $525-per-year United Club Infinite card, a more premium card that offers airport lounge access. Meanwhile, those United travelers who travel a bit less frequently may want to consider the $95-per-year United Explorer card.

Read more
Unique Card Benefits
yes
Purchase Protection
yes
Extended Warranty
yes
Trip Protections
yes
Free Access to Credit Score
yes
0% Intro APR on Purchases
no
0% Intro APR on Balance Transfers
no
Secondary Car Rental CDW Waiver
no
Annual Statement Credits
yes
Free Checked Bags
yes
Priority Boarding
yes
Global Entry / TSA PreCheck Reimbursement
yes
No Foreign Transaction Fees
yes
Primary Car Rental CDW Waiver
yes
Travel and Emergency Assistance Services
yes
Concierge Services
yes

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