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COMPARE/THE RITZ-CARLTON CREDIT CARD VS UNITED CLUB BUSINESS CARD
FIRST CARD
SECOND CARD

The Ritz-Carlton Credit Card or United Club Business Card?

United Club Business Card returns $169 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 Card
The Ritz-Carlton Credit CardChase · $450 fee · 2 credits
United Club Business Card
United Club Business CardChase · $695 fee · 6 credits
NET VALUE-$120$330 credits
NET VALUE+$169$864 credits
The Ritz-Carlton Credit Card
CHASEThe Ritz-Carlton Credit Card
FEE$450
CREDITS$330
NET-$120
Category wins0 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
United Club Business Card
CHASEUnited Club Business Card
FEE$695
CREDITS$864
NET+$169
Category wins3 of 3
ADDITIONAL BENEFITS
LOUNGE ACCESS
United Club Membership
TAKE THE UNITED CLUB BUSINESS CARD IF

You use travel, food & dining, transportation. Food & Dining and Transportation alone are worth $384 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 CLUB BUSINESS CARD

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Frequently asked questions

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

The United Club Business Card is better with $169 net annual value compared to the Ritz-Carlton Credit Card at -$120. The United Club Business Card wins by $289/year.

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

The key differences: United Club Business Card has a $695 annual fee and $864 in annual benefits, while The Ritz-Carlton Credit Card has a $450 annual fee and $330 in annual benefits. The annual fee difference is $245.

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

The Ritz-Carlton Credit Card has a lower annual fee at $450 compared to the United Club Business Card at $695. However, the United Club Business Card offers $864 in total annual benefits.

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

Yes, the United Club Business Card offers better value with $169 net annual value compared to -$120 for the Ritz-Carlton Credit Card. Even though it has a higher annual fee ($695 vs $450), the United Club Business Card provides more total benefits.

Which card is better for food_and_dining?

The United Club Business Card is better for food_and_dining with $240 in annual food_and_dining benefits compared to $0 for the Ritz-Carlton Credit Card.

Should I get the United Club Business Card?

If you're deciding between the Ritz-Carlton Credit Card and United Club Business Card, the United Club Business Card is the better choice with $169 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.

Other comparisons

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MORE THE RITZ-CARLTON CREDIT CARD COMPARISONS

MORE UNITED CLUB BUSINESS CARD COMPARISONS