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All comparisons
Head-to-head, 2026

Chase IHG One Rewards Premier 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 Premier BusinessBigger welcome offer: Chase United Club Infinite

Chase

IHG One Rewards Premier Business

Annual fee
$99
Network
visa
Welcome value
$700
Min spend
$4,000 / 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
  • Additional 40,000-Point Free Night (Spend Tier) · $280
  • Global Entry, TSA PreCheck or NEXUS Credit · $120
  • $100 Statement Credit and 10,000 Bonus Points (Spend Tier) · $100
  • Monthly Instacart Credit · $10
Full Chase IHG One Rewards Premier Business review

Chase

United Club Infinite

Annual fee
$695
Network
visa
Welcome value
$1,120
Min spend
$5,000 / 3mo

Top earning rates

  • 4×United purchases · United MileagePlus
  • 2×Travel · United MileagePlus
  • 2×Dining · United MileagePlus
  • 1×All other purchases · United MileagePlus

Key benefits

  • Free first and second checked bags · $440
  • JSX statement credit · $200
  • Renowned Hotels and Resorts credit · $200
  • Global Entry, TSA PreCheck or NEXUS credit · $120
  • Renowned Hotels and Resorts property benefits · $100
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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