United Business vs Xbox
United Business
$150/yr
6.0/10
VS
Xbox
$0/yr
7.0/10
Quick Answer
United Business charges $150/yr with 1X base rewards. Xbox charges no annual fee with 1X base rewards. Xbox offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for United Business →
PointsPick may earn a commission. Disclosure
Apply for Xbox →
PointsPick may earn a commission. Disclosure
Winner by Category
Annual Fees
Xbox
Lower annual fee ($150 vs $0)
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
Xbox wins for most people
The $150 fee difference is hard to justify unless you maximize premium benefits.
Apply for XboxPREMIUM 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
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 |
Xbox
| Xbox purchases | 5.0X |
| Dining, grocery, entertainment | 3.0X |
| Everything else | 1.0X |