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All comparisons
Head-to-head, 2026

Chase United Business 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 United QuestBigger welcome offer: Chase United Business

Chase

United Business

Annual fee
$695
Network
visa
Welcome value
$1,050
Min spend
$5,000 / 3mo

Top earning rates

  • 2×United Airlines purchases · United MileagePlus
  • 2×Gas stations · United MileagePlus
  • 2×Office supply stores · United MileagePlus
  • 2×Restaurants · United MileagePlus

Key benefits

  • 2 Global Economy Plus Seat Upgrades · $300
  • Free first and second checked bags · $280
  • 5,000-mile Better-Together Anniversary Bonus · $65
  • Premier Qualifying Points (PQP) Boost · $0
  • United Club Membership · $0
Full Chase United Business review

Chase

United Quest

Annual fee
$250
Network
visa
Welcome value
$840
Min spend
$4,000 / 3mo

Top earning rates

  • 3×United purchases · United MileagePlus
  • 2×Travel · United MileagePlus
  • 2×Dining · United MileagePlus
  • 2×Streaming services · 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
  • JSX statement credit · $150
  • Renowned Hotels and Resorts 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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