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All comparisons
Head-to-head, 2026

Chase IHG One Rewards Business Chase United Club Infinite

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

Lower annual fee: Chase IHG One Rewards Business

Chase

IHG One Rewards Business

Annual fee
$99
Network
visa
Welcome value
~$1,140
Min spend
$5,000 / 3mo

Top earning rates

  • 10×IHG Hotels & Resorts · IHG One Rewards
  • 5×Dining · IHG One Rewards
  • 5×Advertising · IHG One Rewards
  • 5×Office supplies · IHG One Rewards

Key benefits

  • Anniversary Free Night · $280
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • Up to $100 Annual Expensify Statement Credit · $100
  • Up to $100 in Annual IHG Food & Beverage Rewards · $25
  • DoorDash Non-Restaurant Promo · $10
Full Chase IHG One Rewards Business review

Chase

United Club Infinite

Annual fee
$695
Network
visa
Welcome value
—
Min spend
$5,000 / 3mo

Top earning rates

  • 11×Eligible United flights
  • 5×All other eligible United purchases
  • 5×Hotel stays
  • 2×All other travel

Key benefits

  • Emergency Evacuation and Transportation · $1000
  • Free first and second checked bags · $440
  • Renowned Hotels and Resorts credit · $200
  • JSX statement credit · $200
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
Full Chase United Club Infinite 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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