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All comparisons
Head-to-head, 2026

Chase British Airways Visa Signature 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 British Airways Visa Signature

Chase

British Airways Visa Signature

Annual fee
$95
Network
visa
Welcome value
—
Min spend
$5,000 / 3mo

Top earning rates

  • 3×Eligible British Airways, Aer Lingus, Iberia, and LEVEL flight purchases
  • 2×Hotel accommodations purchased directly with the hotel
  • 1×All other purchases

Key benefits

  • Reward Flight statement credits · $600
  • Travel Together Ticket (Spend Tier) · $400
  • DoorDash non-restaurant quarterly discount · $10
  • 10% off British Airways flights · $0
  • Baggage Delay Insurance · $0
Full Chase British Airways Visa Signature review

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
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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