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All comparisons
Head-to-head, 2026

Chase Aeroplan Chase United Club Business

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase United Club BusinessBigger welcome offer: Chase United Club 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 Club Business

Annual fee
$0
Network
visa
Welcome value
$1,050
Min spend
$5,000 / 3mo

Top earning rates

  • 2×United purchases · United MileagePlus
  • 1.5×All other purchases · United MileagePlus

Key benefits

  • Free first and second checked bags · $300
  • 2 global Economy Plus seat upgrades (Spend Tier) · $200
  • JSX statement credit · $200
  • Renowned Hotels and Resorts credit · $200
  • Avis or Budget United travel credit · $100
Full Chase United Club 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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