All comparisons
Head-to-head, 2026
Chase Aeroplan Chase United Business
Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.
Lower annual fee: Chase Aeroplan
Chase
Aeroplan
- Annual fee
- $95
- Network
- visa
- Welcome value
- —
- Min spend
- $20,000 / 12mo
Top earning rates
- 3×Purchases made with Air Canada directly
- 3×Grocery stores; dining at restaurants including takeout and eligible delivery services
- 1×All other purchases
Key benefits
- Aeroplan Global +1 benefit (Spend Tier) · $500
- Free first checked bag · $140
- Global Entry, TSA PreCheck or NEXUS fee credit · $120
- Aeroplan Priority Reward voucher (Spend Tier) · $0
- Aeroplan Priority Reward voucher — $250,000 tier (Spend Tier) · $0
Chase
United Business
- Annual fee
- $695
- Network
- visa
- Welcome value
- —
- Min spend
- $5,000 / 3mo
Top earning rates
- 2×United Airlines purchases · United MileagePlus
- 2×Gas stations · United MileagePlus
- 2×Office supply stores · United MileagePlus
- 2×Restaurants · United MileagePlus
Key benefits
- 2 Global Economy Plus Seat Upgrades · $300
- Free first and second checked bags · $280
- 5,000-mile Better-Together Anniversary Bonus · $65
- United Club Membership · $0
- Employee Cards · $0
Wondering which one is right for your wallet?
Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.
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