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Head-to-head, 2026

Chase Sapphire Preferred Chase United Club 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 Preferred

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$937.5
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Chase Travel purchases
  • 5×Peloton equipment and accessory purchases over $150
  • 5×Lyft rides
  • 3×Online groceries

Key benefits

  • Complimentary Apple TV · $156
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • Complimentary DashPass Membership · $120
  • $100 Chase Travel Hotel Credit · $100
  • Monthly DoorDash Non-Restaurant Promo · $10
Full Chase Sapphire Preferred review

Chase

United Club Business

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

Top earning rates

  • 8×Eligible United flights
  • 5×Hotel stays when you prepay directly through Renowned Hotels and Resorts
  • 2×All other eligible United purchases
  • 2×Purchases of United Card Events from Chase

Key benefits

  • Emergency Evacuation and Transportation · $1000
  • Free first and second checked bags · $300
  • JSX statement credit · $200
  • Renowned Hotels and Resorts credit · $200
  • Renowned Hotels and Resorts property benefits · $100
Full Chase United Club 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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