United Club Business vs Xbox
United Club Business
$695/yr
5.5/10
VS
Xbox
$0/yr
7.0/10
Quick Answer
United Club Business charges $695/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 Club 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 ($695 vs $0)
Rewards Earning
Xbox
3 earning categories
Benefits & Protection
United Club Business
0 benefits vs 0
Statement Credits
United Club Business
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Xbox wins for most people
The $695 fee difference is hard to justify unless you maximize premium benefits.
Apply for XboxPREMIUM PICK
United Club Business wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for United Club BusinessRewards Earning: Detailed Comparison
United Club Business
| United Airlines purchases | 2.0X |
| Everything else | 1.5X |
Xbox
| Xbox purchases | 5.0X |
| Dining, grocery, entertainment | 3.0X |
| Everything else | 1.0X |