United Business vs United Club
United Business
$150/yr
6.0/10
VS
United Club
$695/yr
5.5/10
Quick Answer
United Business charges $150/yr with 1X base rewards. United Club charges $695/yr with 1X base rewards. United Business 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
United Business
Lower annual fee ($150 vs $695)
Rewards Earning
United Business
6 earning categories
Benefits & Protection
United Business
0 benefits vs 0
Statement Credits
United Business
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
United Business wins for most people
The $545 fee difference is hard to justify unless you maximize premium benefits.
Apply for United BusinessPREMIUM PICK
United Club wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for United ClubRewards Earning: Detailed Comparison
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 |
United Club
| United Airlines purchases | 2.0X |
| Everything else | 1.5X |