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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×social media and search engine advertising · IHG One Rewards
  • 5×office supply stores · IHG One Rewards

Key benefits

  • Diamond Elite Status (Spend Tier) · $500
  • Base Rewards Rate · $375
  • Automatic Platinum Elite Status · $300
  • 5X Bonus Categories · $255
  • Additional Free Night (Spend Tier) · $200
Full Chase IHG One Rewards Premier Business review

Chase

United Club Infinite

Annual fee
$695
Network
visa
Welcome value
$960
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

  • United Club Membership · $325
  • Free First & Second Checked Bags · $320
  • IHG Rewards Platinum Elite Status · $200
  • Hertz President's Circle Status · $150
  • PQP on Spend · $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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