{"id":183965,"date":"2025-07-30T19:00:15","date_gmt":"2025-07-30T19:00:15","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/07\/30\/united-business-vs-club-business-which-should-you-get-the-points-guy\/"},"modified":"2025-07-30T19:00:15","modified_gmt":"2025-07-30T19:00:15","slug":"united-business-vs-club-business-which-should-you-get-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/07\/30\/united-business-vs-club-business-which-should-you-get-the-points-guy\/","title":{"rendered":"United Business vs. Club Business: Which should you get? – The Points Guy"},"content":{"rendered":"


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United Airlines<\/a> offers two business credit cards that are similar in name but differ significantly in annual fees and benefits.<\/p>\n

The mid-tier United\u2120 Business Card<\/a><\/span> (see rates and fees<\/a>) offers great value for a low annual fee. In contrast, the top-tier United Club\u2120 Business Card<\/a> has a substantially higher annual fee and valuable benefits for frequent United business travelers.<\/p>\n

United refreshed<\/a> its entire suite of credit cards in March, and we saw changes in benefits, new statement credits and, as expected, increases in annual fees.<\/p>\n

If you’re a business owner who wants a United cobranded card, which of these cards is a better fit for you? Let’s examine both cards’ benefits and explore each in more detail.<\/p>\n

The information for the United Club Business has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n

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United Business vs. United Club Business comparison<\/h2>\n
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\n\n\n\n\n\n\n\n\n\n\n
\nUnited Business Card<\/strong><\/th>\nUnited Club Business Card<\/strong><\/th>\n<\/tr>\n<\/thead>\n
Welcome bonus<\/strong><\/td>\nEarn 100,000 bonus miles and 2,000 Premier qualifying points (PQPs) after spending $5,000 on purchases in the first three months from account opening.<\/td>\nEarn 100,000 bonus miles and 2,000 PQPs after spending $5,000 on purchases in the first three months from account opening.<\/td>\n<\/tr>\n
Annual fee<\/strong><\/td>\n$150<\/td>\n$695<\/td>\n<\/tr>\n
Earning rates<\/strong><\/td>\n\n
    \n
  • At least 7 miles per dollar spent on United flight purchases<\/li>\n
  • 5 miles per dollar spent on hotel stays purchased through United hotels<\/li>\n
  • 2 miles per dollar spent on other eligible United purchases<\/li>\n
  • 2 miles per dollar spent on dining, gas station purchases, office supply store purchases, local transit and commuting<\/li>\n
  • 1 mile per dollar spent on all other purchases<\/li>\n<\/ul>\n<\/td>\n
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    \n
  • At least 7 miles per dollar spent on United flight purchases<\/li>\n
  • 5 miles per dollar spent on hotel stays for prepaid Renowned Hotels and Resorts<\/li>\n
  • 2 miles per dollar spent on other eligible United purchases<\/li>\n
  • 1.5 miles per dollar spent on all other purchases<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Lounge access<\/strong><\/td>\n\n
    \n
  • Two United Club one-time passes annually<\/li>\n<\/ul>\n<\/td>\n
\n
    \n
  • Four United Club one-time passes per anniversary year (authorized user required on account and Club All Access Membership)<\/li>\n
  • United Club membership<\/li>\n
  • United Club All Access membership (unlocked with spending or United Premier Gold status)<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
United benefits<\/strong><\/td>\n\n
    \n
  • 25% back on United inflight purchases in the form of a statement credit<\/li>\n
  • Up to $25 in statement credits on United FareLock<\/li>\n
  • Up to $125 in United TravelBank cash<\/li>\n
  • One free checked bag<\/li>\n
  • Priority boarding<\/li>\n
  • Up to 4,000 PQPs through spending<\/span><\/li>\n
  • Two continental U.S. Economy Plus seat upgrades<\/li>\n
  • Expanded award availability<\/li>\n
  • Premier upgrades on award tickets<\/li>\n
  • 5,000 miles on each card anniversary if you also have a personal United card<\/li>\n<\/ul>\n<\/td>\n
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    \n
  • 25% back on United inflight purchases<\/li>\n
  • Up to $50 in statement credits on United FareLock<\/li>\n
  • Two free checked bags<\/li>\n
  • Premier Access services, including designated check-in lines, priority security lanes, priority boarding and priority baggage handling (where available)<\/li>\n
  • Up to 28,000 PQPs through spending<\/li>\n
  • Two global Economy Plus seat upgrades<\/li>\n
  • Expanded award availability<\/li>\n
  • Premier upgrades on award tickets<\/li>\n
  • 5,000 miles on each card anniversary if you also have a personal United card<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Other benefits<\/strong><\/td>\n\n
    \n
  • Up to $50 in United TravelBank cash after eligible Avis or Budget car rental purchases (two $25 credits)<\/li>\n
  • Up to $100 in ride-hailing statement credits<\/li>\n
  • Up to $100 in United Hotels statement credits<\/li>\n
  • Up to $100 in statement credits for JSX flight purchases annually<\/li>\n
  • Up to $120 in Instacart credits<\/li>\n
  • Three months complimentary Instacart+ membership<\/li>\n
  • Travel and purchase protections<\/li>\n
  • No foreign transaction fees<\/li>\n<\/ul>\n<\/td>\n
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