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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 AeroplanBigger welcome offer: Chase United Business

Chase

Aeroplan

Annual fee
$95
Network
visa
Welcome value
$937.5
Min spend
$4,000 / 3mo

Top earning rates

  • 3×Air travel · Aeroplan
  • 3×Grocery stores · Aeroplan
  • 3×Dining · Aeroplan
  • 1×All other purchases · Aeroplan

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 — $250,000 tier (Spend Tier) · $0
  • Every Air Canada seat available with points · $0
Full Chase Aeroplan review

Chase

United Business

Annual fee
$695
Network
visa
Welcome value
$1,050
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
  • Premier Qualifying Points (PQP) Boost · $0
  • United Club Membership · $0
Full Chase United Business review

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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