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All comparisons
Head-to-head, 2026

Chase IHG One Rewards Premier Chase United Explorer

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 Explorer

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

  • 26X Total Points at IHG Hotels · $780
  • 3X Points Base Rate · $750
  • Diamond Elite Status (Spend Tier) · $500
  • 5X Points on Travel, Dining, and Gas · $360
  • Automatic Platinum Elite Status · $300
Full Chase IHG One Rewards Premier review

Chase

United Explorer

Annual fee
$150
Network
visa
Welcome value
$720
Min spend
$3,000 / 3mo

Top earning rates

  • 2×United purchases · United MileagePlus
  • 2×dining · United MileagePlus
  • 2×hotels · United MileagePlus
  • 1×all other purchases · United MileagePlus

Key benefits

  • Free First Checked Bag · $140
  • United Club Passes · $118
  • Primary Auto Rental CDW · $100
  • Global Entry, TSA PreCheck, or NEXUS Fee Credit · $100
  • Trip Cancellation/Interruption Insurance · $50
Full Chase United Explorer 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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