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All comparisons
Head-to-head, 2026

Chase United Club 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 Club Business

Chase

United Club Business

Annual fee
$0
Network
visa
Welcome value
—
Min spend
$5,000 / 3mo

Top earning rates

  • 2×United purchases · United MileagePlus
  • 1.5×All other purchases · United MileagePlus

Key benefits

  • Free first and second checked bags · $300
  • JSX statement credit · $200
  • 2 global Economy Plus seat upgrades (Spend Tier) · $200
  • Renowned Hotels and Resorts credit · $200
  • Avis or Budget United travel credit · $100
Full Chase United Club Business review

Chase

United Club Infinite

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

Top earning rates

  • 11×Eligible United flights
  • 5×All other eligible United purchases
  • 5×Hotel stays
  • 2×All other travel

Key benefits

  • Free first and second checked bags · $440
  • Renowned Hotels and Resorts credit · $200
  • JSX statement credit · $200
  • Global Entry, TSA PreCheck or NEXUS credit · $120
  • Renowned Hotels and Resorts property benefits · $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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