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.

Economics

Dollar figures are per year unless the row says otherwise. Ongoing annual value is Miles' estimate of what the card adds per year after its annual fee: statement credits discounted for realistic use, benefits, and earning above a strong flat-rate card on a typical spending profile. First-year value is a separate net figure that includes the welcome bonus. A welcome bonus shown at its advertised maximum may not be available to every applicant; that figure is not marked as stronger. ★ marks the stronger comparable figure on other rows, and no row is marked when either figure is unknown.
Figure	United Business Chase	United Club Business Chase
Annual fee	Best: $150 $545/yr less	$695
Ongoing annual value, after fee	Best: $423 $164/yr more	$259
First-year value	Best: $1,243 $301/yr more	$942

Sign-up Bonus

The current welcome offer as recorded in the dataset. No winner is marked: a bonus is points times a valuation times a spend requirement you may or may not clear, and the first-year value above already prices it.
Offer	United Business Chase	United Club Business Chase
Current offer	90K 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

Percentages are the return on a dollar spent: the multiplier times what Miles values those points at. ★ marks the higher return on a row. Categories only one card earns a bonus on are marked for that card; the other earns its base rate.
Category	United Business Chase	United Club Business Chase
Stays at Renowned Hotels and Resorts for United Cardmembers	—Unknown	Best: 5X6.5%
Dining	Best: 2X2.6%	—Unknown
Gas Stations	Best: 2X2.6%	—Unknown
Office supply stores	Best: 2X2.6%	—Unknown
Transit	Best: 2X2.6%	—Unknown
All other purchases	1X1.3%	Best: 1.5X2%

Benefits

Statement credits, lounge access and elite status as listed in the dataset; protections are counted, not listed. No winner is marked: twelve small credits are not more than two large ones, and the row that prices them, ongoing annual value, is under Economics.
Benefit	United Business Chase	United Club Business Chase
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) DoorDash Grocery/Retail, monthly: $10 (Monthly)	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) DoorDash Grocery/Retail, monthly: $10 (Monthly)
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	8	10

The same on both cards (7)

Rows where both cards state the same figure or the same earning rate. Nothing is marked, because there is no stronger side.
Fact	United Business	United Club Business
Foreign transaction fee	None	None
Authorized user fee	$0	$0
Issuer	Chase	Chase
Rewards currency	United MileagePlus	United MileagePlus
Card type	Business	Business
Network	Visa	Visa
United purchases	2X2.6%	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