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Both cards cost $0/yr. The Chase Freedom Flex is better for rotating quarterly, while the United Gateway Card wins on united purchases. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Chase Freedom Flex | United Gateway Card |
|---|---|---|
| Rotating Quarterly | 5X | 1X |
| Drugstores | 3X | 1X |
| Gas Stations | 1X | 2X |
| Ridesharing | 1X | 2X |
| Tolls | 1X | 2X |
| Transit | 1X | 2X |
Network
Key Benefits
Pros
Cons
The United Gateway Card wins in 6 of 8 categories. The Chase Freedom Flex leads in 2.
Rotating Quarterly
Chase Freedom Flex earns 5X vs 1X
Drugstores
Chase Freedom Flex earns 3X vs 1X
United Purchases
United Gateway Card earns 2X vs 1X
Gas Stations
United Gateway Card earns 2X vs 1X
Ridesharing
United Gateway Card earns 2X vs 1X
Tolls
United Gateway Card earns 2X vs 1X
Transit
United Gateway Card earns 2X vs 1X
United Airlines
United Gateway Card earns 2X vs 1X
Choosing one card means missing out on these benefits from the other.
Choosing United Gateway Card means losing:
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: April 2026.
Both cards cost $0/yr. The Chase Freedom Flex is better for rotating quarterly, while the United Gateway Card wins on united purchases. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Chase Freedom Flex | United Gateway Card |
|---|---|---|
| Rotating Quarterly | 5X | 1X |
| Drugstores | 3X | 1X |
| Gas Stations | 1X | 2X |
| Ridesharing | 1X | 2X |
| Tolls | 1X | 2X |
| Transit | 1X | 2X |
Network
Key Benefits
Pros
Cons
The United Gateway Card wins in 6 of 8 categories. The Chase Freedom Flex leads in 2.
Rotating Quarterly
Chase Freedom Flex earns 5X vs 1X
Drugstores
Chase Freedom Flex earns 3X vs 1X
United Purchases
United Gateway Card earns 2X vs 1X
Gas Stations
United Gateway Card earns 2X vs 1X
Ridesharing
United Gateway Card earns 2X vs 1X
Tolls
United Gateway Card earns 2X vs 1X
Transit
United Gateway Card earns 2X vs 1X
United Airlines
United Gateway Card earns 2X vs 1X
Choosing one card means missing out on these benefits from the other.
Choosing United Gateway Card means losing:
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: April 2026.
Both cards cost $0/yr. The Chase Freedom Flex is better for rotating quarterly, while the United Gateway Card wins on united purchases. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Chase Freedom Flex | United Gateway Card |
|---|---|---|
| Rotating Quarterly | 5X | 1X |
| Drugstores | 3X | 1X |
| Gas Stations | 1X | 2X |
| Ridesharing | 1X | 2X |
| Tolls | 1X | 2X |
| Transit | 1X | 2X |
Network
Key Benefits
Pros
Cons
The United Gateway Card wins in 6 of 8 categories. The Chase Freedom Flex leads in 2.
Rotating Quarterly
Chase Freedom Flex earns 5X vs 1X
Drugstores
Chase Freedom Flex earns 3X vs 1X
United Purchases
United Gateway Card earns 2X vs 1X
Gas Stations
United Gateway Card earns 2X vs 1X
Ridesharing
United Gateway Card earns 2X vs 1X
Tolls
United Gateway Card earns 2X vs 1X
Transit
United Gateway Card earns 2X vs 1X
United Airlines
United Gateway Card earns 2X vs 1X
Choosing one card means missing out on these benefits from the other.
Choosing United Gateway Card means losing:
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: April 2026.
| United Airlines | 1X | 2X |
| United Purchases | 1X | 2X |
| Everything Else | 1X | 1X |
Choosing Chase Freedom Flex means losing:
| United Airlines | 1X | 2X |
| United Purchases | 1X | 2X |
| Everything Else | 1X | 1X |
Choosing Chase Freedom Flex means losing:
| United Airlines | 1X | 2X |
| United Purchases | 1X | 2X |
| Everything Else | 1X | 1X |
Choosing Chase Freedom Flex means losing: