Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

Chase IHG One Rewards Premier Chase United Business

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 PremierBigger welcome offer: Chase United Business

Chase

IHG One Rewards Premier

Annual fee
$99
Network
mastercard
Welcome value
$700
Min spend
$3,000 / 3mo

Top earning rates

  • 10×IHG Hotels & Resorts · IHG One Rewards
  • 5×Travel · IHG One Rewards
  • 5×Gas stations · IHG One Rewards
  • 5×Dining · IHG One Rewards

Key benefits

  • Fourth Reward Night Free · $200
  • Anniversary Free Night · $200
  • Global Entry, TSA PreCheck or NEXUS Credit · $120
  • DoorDash Non-Restaurant Discount · $10
  • Monthly Instacart Credit · $10
Full Chase IHG One Rewards Premier review

Chase

United Business

Annual fee
$695
Network
visa
Welcome value
$1,050
Min spend
$5,000 / 3mo

Top earning rates

  • 2×United Airlines purchases · United MileagePlus
  • 2×Gas stations · United MileagePlus
  • 2×Office supply stores · United MileagePlus
  • 2×Restaurants · United MileagePlus

Key benefits

  • 2 Global Economy Plus Seat Upgrades · $300
  • Free first and second checked bags · $280
  • 5,000-mile Better-Together Anniversary Bonus · $65
  • Premier Qualifying Points (PQP) Boost · $0
  • United Club Membership · $0
Full Chase United 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