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All comparisons
Head-to-head, 2026

Chase United Business Chase United Club Infinite

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase United BusinessBigger welcome offer: Chase United Club Infinite

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

Chase

United Club Infinite

Annual fee
$695
Network
visa
Welcome value
$960
Min spend
$5,000 / 3mo

Top earning rates

  • 4×United purchases · United MileagePlus
  • 2×travel · United MileagePlus
  • 2×dining · United MileagePlus
  • 1×all other purchases · United MileagePlus

Key benefits

  • United Club Membership · $325
  • Free First & Second Checked Bags · $320
  • IHG Rewards Platinum Elite Status · $200
  • Hertz President's Circle Status · $150
  • PQP on Spend · $100
Full Chase United Club Infinite 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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