Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

United℠ Business Card vs. United Club℠ Business Card

Choose between the standard and premium United Airlines business cards.

Kyle Morgan

Updated Jan 11, 2021

Fact checked

Compare Credit Cards

Cards By Brand

Top Offers

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 Rates & Fees	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

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.	Apply now View details	Compare	loading Fetching your data...

Compare up to 4 providers

Thank you for your feedback!

Kyle Morgan

Kyle Morgan is a writer and editor for Finder who has worked for the USA Today network and Relix magazine, among other publications. He can be found writing about everything from the latest car loan stats to tips on saving money when traveling overseas. He lives in Asbury Park, where he loves exploring new places and sipping on hoppy beer. Oh, and he doesn't discriminate against buffalo wings — grilled or fried are just fine.

Blue Cash Everyday® Card from American Express vs. American Express® Gold Card Using a credit card in the UAE

More guides on Finder

Upgrade Card review
The fee-free Upgrade Card offers 1.5% cash back, but it lacks many standard benefits.
Bank of America® Cash Rewards Secured review
Earn cash back on your purchases and build your credit.
Chase credit cards with no foreign transaction fee
Find out which Chase credit cards have no foreign transaction fee.
Chime Credit Builder Visa® Secured Credit Card review
A credit-building card with 0% APR and no annual fee.
Self Visa® Credit Card review
Open a credit-builder loan before getting this secured card.
Trello review
Service tiers, monthly fees, features and add-ons for this task-management app.
GM BuyPower Card® review
GM customers will get strong rewards using this card.
United Club℠ Infinite Card review
A premium United Airlines credit card with generous rewards.
Navy Federal Platinum Credit Card review
A no-annual-fee credit card with one of the lowest interest rates on purchases and balance transfers.
Lake Michigan Credit Union Prime Platinum Visa Credit Card review
A simple, no-annual-fee credit card with low interest rates.

Ask an Expert

Click here to cancel reply.

Display Name

Your Email (will not be published)

Your Question

I agree to Finder’s terms of use and privacy and cookie policy, and I opt in to receive email from Finder

Subscribe me to Finder’s free weekly newsletter for budgeting tools, timely news and savings essentials to take control of your finances

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

Best credit cards of 2021: See our winners and top picks

Find the best personal loan offer

Boost your savings with higher yields:

Find the best lenders for your mortgage

United℠ Business Card vs. United Club℠ Business Card