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Head-to-head, 2026

Chase IHG One Rewards Premier 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

Chase

IHG One Rewards Premier

Annual fee
$99
Network
mastercard
Welcome value
~$1,080
Min spend
$3,000 / 3mo

Top earning rates

  • 10×Hotels participating in IHG One Rewards
  • 5×Grocery stores; gas stations; dining at restaurants including takeout and eligible delivery services · IHG One Rewards
  • 5×Travel rewards category · IHG One Rewards
  • 3×All other purchases

Key benefits

  • Anniversary Free Night · $200
  • Fourth Reward Night Free · $200
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • United Credit · $25
  • DoorDash Non-Restaurant Discount · $10
Full Chase IHG One Rewards Premier review

Chase

United Quest

Annual fee
$350
Network
visa
Welcome value
—
Min spend
$4,000 / 3mo

Top earning rates

  • 10×Eligible United flights · United MileagePlus
  • 5×Hotel stays · United MileagePlus
  • 4×United Card Events from Chase · MileagePlus
  • 2×All other travel · 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
  • Renowned Hotels and Resorts statement credit · $150
  • JSX 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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