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United℠ Business Card vs. United Club℠ Business Card

Choose between the standard and premium United Airlines business cards.

Updated

Fact checked

The winner: United℠ Explorer Card

40,000-mile

Signup bonus after spending $2,000 in first 3 months

  • Global Entry/TSA PreCheck credit
  • Get 2x miles at restaurants, hotels and on United Airlines
  • $0 intro annual fee, then $95
See offer
The United℠ Business Card is the standard option, with a $99 annual fee. Meanwhile, the United Club℠ Business Card is the premium option at $450 a year. The biggest advantage of the latter is its complimentary United Club membership, plus exclusive United perks such as two free checked bags per flight and Premier Access travel services. However, the cheaper card still offers one free checked bag per flight and priority boarding.

United℠ Business Card

United℠ Business Card

Rates & Fees

United Club℠ Business Card

United Club℠ Business Card

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

4.6 / 5.0

★★★★★

60 / 5.0
Best for
Best for N/A
  • Premier access and upgrades with United Airlines
Welcome offer
Welcome offer

Earn 75,000 bonus miles after $5,000 in purchases within the first 3 months of account opening.

50,000 after you spend $3,000 on purchases in the first 3 months your account is open

Rewards
Rewards

Earn 2 miles per $1 spent on United purchases, at gas stations, office supply stores, restaurants (including eligible delivery services), and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.

2x miles on United and 1.5x miles on all other purchases

Purchase APR
Purchase APR

16.49% to 23.49% variable

16.49% to 23.49% variable

Annual fee
Annual fee $0 intro annual fee the first year, then $99 $450
Balance transfer APR
Balance transfer APR 16.49% to 23.49% variable 16.49% to 23.49% variable
Cash advance
Cash advance

APR: 24.99% variable

Fee: $15 or 5% of the transaction, whichever is greater

APR: 24.99% variable

Fee: $15 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $39 $39
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period 20 days 20 days
Minimum interest
Minimum interest $0 $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

Read review

Both cards offer no foreign transaction fees, distinct travel perks, employee credit cards at no cost and miles that don’t expire.

Compare United℠ Business Card vs. United Club℠ Business Card

Data updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
United℠ Business Card
Earn 75,000 bonus miles after $5,000 in purchases within the first 3 months of account opening.
Earn 2 miles per $1 spent on United purchases, at gas stations, office supply stores, restaurants (including eligible delivery services), and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.
$0 intro annual fee for the first year ($99 thereafter)
75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.
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