All comparisons
Head-to-head, 2026
Chase Disney Premier 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 Disney Premier
Chase
Disney Premier
- Annual fee
- $49
- Network
- visa
- Welcome value
- $300
- Min spend
- $500 / 3mo
Top earning rates
- 5×DisneyPlus.com, Hulu.com or Stream.ESPN.com · Disney Rewards Dollars
- 2×Gas stations and most Disney U.S. locations · Disney Rewards Dollars
- 2×Grocery stores and restaurants · Disney Rewards Dollars
- 1×All other card purchases · Disney Rewards Dollars
Key benefits
- Lost Luggage Reimbursement · $500
- DoorDash non-restaurant quarterly discount · $10
- Disney Cruise Line onboard savings · $0
- 10% off select recreation experiences · $0
- 10% off select Disney dining · $0
Chase
United Club Business
- Annual fee
- $695
- Network
- visa
- Welcome value
- —
- Min spend
- $5,000 / 3mo
Top earning rates
- 8×Eligible United flights
- 5×Hotel stays when you prepay directly through Renowned Hotels and Resorts
- 2×All other eligible United purchases
- 2×Purchases of United Card Events from Chase
Key benefits
- Emergency Evacuation and Transportation · $1000
- Free first and second checked bags · $300
- JSX statement credit · $200
- Renowned Hotels and Resorts credit · $200
- Renowned Hotels and Resorts property benefits · $100
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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