Perqt AI Wallet logo
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 United Club BusinessBigger welcome offer: Chase United Club Business

Chase

Disney Premier

Annual fee
$49
Network
visa
Welcome value
$400
Min spend
$1,000 / 3mo

Top earning rates

  • 5×Disney streaming services · Disney Rewards Dollars
  • 2×Gas stations · Disney Rewards Dollars
  • 2×Grocery stores · Disney Rewards Dollars
  • 2×Restaurants · Disney Rewards Dollars

Key benefits

  • DoorDash nonrestaurant quarterly discount · $10
  • 10% off select recreation experiences · $0
  • 10% off select Disney dining · $0
  • Marvel Unlimited first-year savings · $0
  • 6-month Disney vacation financing · $0
Full Chase Disney Premier 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.

Get my personal answer