United Business vs United Club Business

Every figure below is from the same dataset Miles computes its recommendations from. Rows the two cards agree on are collapsed at the bottom.

United Business

Chase

United Club Business

Chase

Economics

Annual fee

$150

$545/yr less

$695

Ongoing annual value

$471

$554

$83/yr more

Net value (value − fee)

$321

$462/yr more

−$141

First-year value estimate

$1,060

$512/yr more

$548

Sign-up Bonus

Current offer

100K miles + 2K PQP after $5K spend in first 3 months. Plus, earn an extra 10K miles after you add an authorized user to your account in the first 3 months

100K Miles + 2K PQP after $5K in purchases in the first 3 months. Plus, earn an extra 10K miles after you add an authorized user to your account in the first 3 months

Earning

Stays at Renowned Hotels and Resorts for United Cardmembers

—

5X6.5%

Dining

2X2.6%

—

Gas Stations

2X2.6%

—

Office supply stores

2X2.6%

—

Transit

2X2.6%

—

United Hotels

2X2.6%

—

All other purchases

1X1.3%

1.5X2%

Percentages are the return on a dollar spent: the multiplier times what Miles values those points at. Categories only one card earns a bonus on are marked for that card; the other earns its base rate.

Benefits

Statement credits

Rideshare: $8 (Monthly)
United Hotels: $100 (Annual Cardmember Year)
FareLock: $25 (Annual Cardmember Year)
Global Entry/TSA PreCheck: $120 (Every 4 Years)
Instacart: $10 (Monthly)
United Travel Credit: $125 (Annual Calendar Year)
JSX: $100 (Annual Cardmember Year)
Avis/Budget: $50 (Annual Cardmember Year)

Renowned Hotels & Resorts: $200 (Annual Cardmember Year)
JSX: $200 (Annual Cardmember Year)
Rideshare: $12 (Monthly)
Avis/Budget: $100 (Annual Cardmember Year)
Instacart: $20 (Monthly)
FareLock: $50 (Annual Cardmember Year)

Lounge access

United Club Passes (2/yr)

United Club (unlimited)
United Club All Access (unlimited)
United Club Passes (4/yr)

Elite status

United MileagePlus

IHG One Rewards Platinum
United MileagePlus
Avis Preferred President's Club

Protections

The same on both cards (7)

Foreign transaction fee

None

Authorized user fee

Issuer

Chase

Rewards currency

United MileagePlus

Card type

Business

Network

Visa

United purchases

2X2.6%

Which one is right for you

This page shows the difference. It does not pick: the winner depends on what you spend and what you already hold, and adding these figures up without knowing that would be a guess dressed as a verdict. Ask Miles and it computes the answer against your own wallet.

Ask Miles which to get

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