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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 BusinessBigger welcome offer: Chase United Business

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 Quest

Annual fee
$350
Network
visa
Welcome value
$840
Min spend
$4,000 / 3mo

Top earning rates

  • 3×United purchases · United MileagePlus
  • 2×other travel · United MileagePlus
  • 2×dining · United MileagePlus
  • 2×select streaming services · United MileagePlus

Key benefits

  • Free First and Second Checked Bags · $320
  • PQP on Spend · $200
  • Primary Auto Rental CDW · $150
  • MileagePlus Award Flight Credits · $130
  • $125 Annual United Credit · $125
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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