Card comparisonSide by side
Chase Freedom Flex® Credit Card vs United Gateway SM Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, and Reward Program are editorial labels and may still be pending enrichment. A rating is shown only when available.
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Chase | Chase |
Card Network | ||
Card Type Data: 2/2 cards | cashback | travel |
Card Tier Data: 2/2 cards | Entry Level | Entry Level |
Credit Score | — | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $0 |
Foreign Transaction Fee | — | None |
Purchase APR | 18.24% – 27.74% | 19.74% – 28.24% |
Intro APR | 0% for 15 months | 0% for 12 months |
| Rewards | ||
Welcome Bonus | Earn $200 | Earn 40,000 miles |
Reward Rate Data: 2/2 cards | 5% back on quarterly bonus categories | 5x miles on eligible united flights |
Reward Program Data: 2/2 cards | Chase Ultimate Rewards | United MileagePlus |
| Earning Rates | ||
| All other purchases | 1% backEarn on all other purchases | 1x miles |
| Dining | 3% backDining at restaurants, including takeout and eligible delivery services | — |
| Drugstores | 3% backDrugstore purchases | — |
| Eligible United flights | — | 5x miles5x total includes 3x miles on the Primary Cardmember's fare from United as a MileagePlus member plus 2x miles on the entire United purchase with the card; mileage earning differs for Basic Economy or base option tickets. |
| Eligible United purchases | — | 2x milesIncludes airline tickets purchased from United, seat upgrades, Economy Plus, inflight food, beverages and Wi-Fi, baggage service charges, other United fees, and United Card Events from Chase; exclusions apply. |
| Gas stations | — | 2x miles |
| Local transit and commuting | — | 2x milesIncludes ride share services, taxicabs, train tickets, tolls, and mass transit. |
| Lyft | 2% backOn qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027 | — |
| Quarterly bonus categories | 5% backOn up to $1,500 in total combined purchases each quarter you activate | — |
| Travel | 5% backTravel purchased through Chase Travel | — |
| Benefits | ||
Key Benefits |
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