The Ritz-Carlton Credit Card or United Business Card?

United Business Card returns $291 over its fee and The Ritz-Carlton Credit Card returns $120, so the fee difference comes down to which categories you use.

The Ritz-Carlton Credit CardChase · $450 fee · 2 credits

United Business CardChase · $150 fee · 5 credits

NET VALUE-$120$330 credits

NET VALUE+$291$441 credits

CATEGORY	THE RITZ-CARLTON CREDIT CARD	UNITED BUSINESS CARD
🌎Travel	$300	$225
🍽️Food & Dining	—	$120
🚗Transportation	—	$96
Hotel Free Night Certificates	Marriott 85k Free Night	—
Lounge Access	Chase Sapphire Lounge Access Priority Pass Select (No Restaurants)	—
Total credits	$330	$441
Annual fee	$450	$150
Net value	-$120	+$291

CHASEThe Ritz-Carlton Credit Card

FEE$450

CREDITS$330

NET-$120

Category wins1 of 3

ADDITIONAL BENEFITS

HOTEL FREE NIGHT CERTIFICATES

Marriott 85k Free Night

LOUNGE ACCESS

Chase Sapphire Lounge Access

Priority Pass Select (No Restaurants)

BEST NET VALUE

CHASEUnited Business Card

FEE$150

CREDITS$441

NET+$291

Category wins2 of 3

TAKE THE THE RITZ-CARLTON CREDIT CARD IF

You use travel.

TAKE THE UNITED BUSINESS CARD IF

You use food & dining, transportation. Food & Dining and Transportation alone are worth $216 here and nothing on the The Ritz-Carlton Credit Card.

Where to use each card

THE RITZ-CARLTON CREDIT CARD

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Airport Lounges48 LOCATIONS

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UNITED BUSINESS CARD

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Frequently asked questions

Which is better, The Ritz-Carlton Credit Card or United Business Card?

The United Business Card is better with $291 net annual value compared to the Ritz-Carlton Credit Card at -$120. The United Business Card wins by $411/year.

What's the difference between The Ritz-Carlton Credit Card and United Business Card?

The key differences: The Ritz-Carlton Credit Card has a $450 annual fee and $441 in annual benefits, while United Business Card has a $150 annual fee and $330 in annual benefits. The annual fee difference is $300.

Which has a lower annual fee, The Ritz-Carlton Credit Card or United Business Card?

The United Business Card has a lower annual fee at $150 compared to the Ritz-Carlton Credit Card at $450. However, the Ritz-Carlton Credit Card offers $330 in total annual benefits.

Is the United Business Card worth it compared to the Ritz-Carlton Credit Card?

Yes, the United Business Card offers better value with $291 net annual value compared to -$120 for the Ritz-Carlton Credit Card. It also has a lower annual fee.

Which card is better for food_and_dining?

The United Business Card is better for food_and_dining with $120 in annual food_and_dining benefits compared to $0 for the Ritz-Carlton Credit Card.

Should I get the United Business Card?

If you're deciding between the Ritz-Carlton Credit Card and United Business Card, the United Business Card is the better choice with $291 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.