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Side-by-side
IHG One Rewards Premier Business vs United Club Business Card
Both are well-respected travel cards. The IHG One Rewards Premier Business comes from Chase at $99/yr; the United Club Business Card from Chase at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the United Club Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,500 more in estimated value) than the IHG One Rewards Premier Business's. Get the United Club Business Card first; revisit the IHG One Rewards Premier Business after you've earned that bonus.
| Feature | IHG One Rewards Premier Business | United Club Business Card |
|---|---|---|
| Annual fee | $99 | $695 |
| Sign-up bonus | 140,000 Bonus Points | 100,000 miles + 2,000 PQP |
| Bonus value (est.) | - | $1,500 |
| Min spend to unlock bonus | $4,000 in 3 mo | $5,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | travel | business |
| Best earning category (Travel) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
IHG One Rewards Premier Business
$99/yr · 140,000 Bonus Points
Read the full review
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP
Editorial take: United Club Business Card
Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.
Common questions
- Which card has the bigger sign-up bonus, IHG One Rewards Premier Business or United Club Business Card?
- The United Club Business Card has a public bonus (100,000 miles + 2,000 PQP, worth roughly $1,500), while the IHG One Rewards Premier Business doesn't advertise one right now.
- Is the IHG One Rewards Premier Business's $99 annual fee worth it compared to the United Club Business Card?
- At $99/yr, the IHG One Rewards Premier Business is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the United Club Business Card's, pick the one whose perks you'll actually use.
- Can I have both the IHG One Rewards Premier Business and United Club Business Card?
- Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the IHG One Rewards Premier Business or the United Club Business Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. IHG One Rewards Premier Business: $4,000 spend in 3 months. United Club Business Card: $5,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.