Choice Privileges vs United Business
Choice Privileges
$0/yr
7.0/10
VS
United Business
$150/yr
6.0/10
Quick Answer
Choice Privileges charges no annual fee with 1X base rewards. United Business charges $150/yr with 1X base rewards. Choice Privileges offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Choice Privileges
Lower annual fee ($0 vs $150)
Rewards Earning
United Business
6 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Statement Credits
United Business
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Choice Privileges wins for most people
The $150 fee difference is hard to justify unless you maximize premium benefits.
Apply for Choice PrivilegesPREMIUM PICK
United Business wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for United BusinessRewards Earning: Detailed Comparison
Choice Privileges
| Choice Hotels properties | 5.0X |
| Gas stations & grocery stores | 3.0X |
| Everything else | 1.0X |
United Business
| United Airlines purchases | 2.0X |
| Dining | 2.0X |
| Hotel stays | 2.0X |
| Gas stations | 2.0X |
| Office supply stores | 2.0X |
| Everything else | 1.0X |