United Business Cards vs. United Club Business Cards: Which Should You Buy?
United offers two business credit cards similar in name but very different in annual fees and benefits.
Middle floor United℠ business card delivers great value at a low annual fee. In contrast, the top-level United Club Business Card has a significantly higher annual fee and some valuable benefits for frequent United business travelers.
If you’re a business owner who wants a United co-branded card, which of these cards is better for you? Let’s look at the benefits of both cards and dig deeper into each card.
Information about United Club Business has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Compare United Business and United Club
| Unified business card | Unified club business card | |
|---|---|---|
| Sign up bonus | Earn 75,000 bonus miles after spending $5,000 on qualifying purchases in the first three months of account opening. | Earn 50,000 bonus miles and 1,000 Premier qualifying points after spending $5,000 on qualifying purchases in the first three months of account opening. |
| Annual fee | $0 annual introductory fee for the first year, then $99 | $450 |
| Income | 2 miles per dollar on United 3 miles per dollar on United Hotels 2 miles per dollar at restaurants, gas stations, office supply stores, local public transit and commuting 1 mile per dollar on all other purchases | 2 miles per dollar on United 3.5 miles per dollar on United Hotels 1.5 miles per dollar on all other purchases |
| Lounge access | Two United Club cards once annually | United club member |
| Flower benefits | One checked bag is free Priority boarding $100 annual travel credit after you make seven or more purchases of $100 each anniversary year 25% cashback on United Inflight and Club premium beverage purchases Up to 1,000 PQP through spending Expanded prize availability Premium upgrade on award tickets 5,000 miles per card anniversary if you also have a personal United card | Two checked bags are free Premier Access services — designated check-in counters, priority security lanes, priority boarding and priority baggage handling (where available) 25% cashback on United Inflight and Club premium beverage purchases Up to 1,000 PQP through spending Expanded prize availability Premium upgrade on award tickets |
| Other benefits | Travel and purchase protection There are no foreign transaction fees | Travel and purchase protection Avis Presidents Club elite status There are no foreign transaction fees |
United Business welcome offer vs. United Club Business
Currently, Hoa Doanh offers 75,000 bonus miles after spending $5,000 on qualifying purchases in the first three months of account opening. The United Club Business Card offers 50,000 bonus miles and 1000 PQP after spending $5,000 in the first three months of account opening.
75,000 and 50,000 United miles are worth $1,013 and $675, respectively, according to TPG January 2025 valuation. Those miles may be enough to buy a domestic economy award ticket or a one-way premium cabin ticket with United or its partners.
Winner: Tie. The United business card offers 25,000 more miles than the Club business card, but the Club business card gives you 1,000 PQP, which can be useful if you’re trying to get United MileagePlus Premier status.
Related reading: How to unlock additional award availability with a United credit card
Benefits of United Business vs. United Club Business
the Unified business card includes the first checked bag for the cardholder and up to one companion free on United flights – up to a $160 value, round-trip. Cardholders also receive priority boarding, 25% off on in-flight purchases, and two United Club cards one at a time for each card. account anniversary. Additionally, cardholders who also have a personal United card will receive 5,000 anniversary bonus miles per account year, and if you use the card to make seven or more qualifying United purchases of at least $100 each time. for one account yearyou will receive 100$ credit report.
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United Club Business Card holders will receive a free first and second checked bag for themselves and their traveling companion in the same booking purchased with the card (up to $360 value).
Cardholders can enjoy the airline’s Premier Access services, including designated check-in and security routes, priority boarding and baggage handling. They also get 25% back on food, drinks, Wi-Fi and expanded award availability, which can save them tens of thousands of miles each year.
These are useful benefits, but the most valuable benefit of United Club Business is the free United Club membership. It includes access to United Club airport lounges, some Star Alliance lounges, and up to two guests (or one adult and any children) when flying United and its partners . This perk alone is worth $550-$650 per year and is probably the most important reason to get this card.
Ultimately, both cards can give you a modest boost to your Premier status with United. For every $500 you spend on purchases each calendar year, you earn 25 PQP, up to a maximum of 1,000 PQP per year. Earning money through credit card spending is easier since United Lower spending requirements for PQP.
Additional benefits on both cards include no foreign transaction feesprimary rental car insurance, Travel accident insurance, trip cancellation and interruptionAnd Purchase protection for new items. United Club business cards also provided Avis Presidents Club elite statusprovides benefits such as upgrades and extended availability.
Winner: Unified Business Club. Two checked bags and a United Club membership are hard to beat.
Related reading: The ultimate guide to accessing United Club
Earn miles with United Business vs. United Club Business
the Unified business card Earn bonus points in several different categories. It earns 2 miles per dollar on United purchases, gas station, restaurant and office supply stores, as well as local transportation and commuting – including public transit systems, tolls, taxis and ride-hailing service. Cardholders also earn 3 miles per dollar on purchases at United Hotels.
In contrast, the United Club Business Card earns 2 miles per dollar on purchases at United and 3.5 miles per dollar on purchases at United Hotels. Additionally, the card earns a flat 1.5 miles per dollar on all other purchases.
If you tend to make a lot of purchases at specific types of merchants where the United Business Card earns 2 miles per dollar spent, that card’s earning rate can help you earn miles for Reward flights quickly.
However, if your purchases include more diverse categories, the simpler earning formula on Business Club may be more suitable for you.
Winner: Unified Enterprise. It offers bonus points in more categories than Club Business.
Redeem miles with United Business vs. United Club Business
Both United business credit cards earn United miles, which are deposited into the cardholder’s MileagePlus account. You can redeem United miles for United and United-Express flights and flights on any Star Alliance carrier or partner airline.
TPG credit card writer Chris Nelson is a long-time United loyalist. He took advantage of multiple partner redemptions and redeemed his miles for multiple saver award tickets, including last-minute award tickets. Polaris business class flight to Europe.
Winner: Tie. Both cards earn United miles, which can be redeemed through the MileagePlus program.
Related: How to redeem miles with the United MileagePlus program
Should I buy United Business or United Club Business?
If your business’s purchasing activity tends to fall into the bonus category, then Unified business card offers, its high earning rate can help you earn many miles. On the other hand, if you frequently travel with United, you may prefer United Club Business for its lounge access, free additional checked baggage, Premier Access service at the airport, and security measures. More comprehensive tourism protection.
How to upgrade from United Business to United Club Business
Both cards are issued by Chase and belong to the same group of credit cards. This is very useful because if you have Unified business cardYou can upgrade to a United Club business card by calling Chase customer service. Please note that upgrading to United Club Business will not make you eligible for the card sign-up bonus and may make you ineligible for the sign-up bonus on the same card if you attempt to sign up for the same card within 24 months.
Related: Basic credit card upgrade instructions
Bottom line
Both cards are designed specifically for United loyalists, offering competitive welcome bonuses to new signups. While annual fees vary widely, the benefits of United Club Business more than make up for the hefty fees for those who can maximize them. Before applying for either card, map out your business expenses, determine how often you fly on United, and choose the right card to supplement your business expenses and redemption aspirations.
To learn more, read our Full review of United Business Card.
Register here: Unified business card
