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All comparisons
Head-to-head, 2026

Chase Sapphire Preferred 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 Sapphire PreferredBigger welcome offer: Chase United Business

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 5×travel · Chase Ultimate Rewards
  • 3×dining · Chase Ultimate Rewards
  • 3×online grocery · Chase Ultimate Rewards
  • 3×streaming services · Chase Ultimate Rewards

Key benefits

  • Primary Auto Rental CDW · $150
  • DoorDash DashPass · $120
  • Trip Cancellation/Interruption Insurance · $100
  • $50 Hotel Credit · $50
  • No Foreign Transaction Fees · $50
Full Chase Sapphire Preferred review

Chase

United Business

Annual fee
$150
Network
visa
Welcome value
$900
Min spend
$5,000 / 3mo

Top earning rates

  • 2×United purchases · United MileagePlus
  • 2×gas stations · United MileagePlus
  • 2×office supply stores · United MileagePlus
  • 2×dining · United MileagePlus

Key benefits

  • First Checked Bag Free · $140
  • 1x Base Earning Rate · $138
  • $125 United Travel Credit · $125
  • Premier Qualifying Points (PQP) Earn · $100
  • 2 United Club One-Time Passes · $100
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.

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