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All comparisons
Head-to-head, 2026

Chase IHG One Rewards Premier Business Chase United Quest

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 Quest

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 Quest

Annual fee
$250
Network
visa
Welcome value
$840
Min spend
$4,000 / 3mo

Top earning rates

  • 3×United purchases · United MileagePlus
  • 2×Travel · United MileagePlus
  • 2×Dining · United MileagePlus
  • 2×Streaming services · United MileagePlus

Key benefits

  • Free first and second checked bags · $440
  • $200 annual United travel credit · $200
  • Two global Economy Plus upgrades (Spend Tier) · $200
  • JSX statement credit · $150
  • Renowned Hotels and Resorts statement credit · $150
Full Chase United Quest 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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