United Business Card or Chase United Club?

United Business Card returns $291 over its fee and Chase United Club returns $119, so the fee difference comes down to which categories you use.

United Business CardChase · $150 fee · 5 credits

Chase United ClubChase · $695 fee · 5 credits

NET VALUE+$291$441 credits

NET VALUE+$119$814 credits

CATEGORY	UNITED BUSINESS CARD	UNITED CLUB
🌎Travel	$225	$400
🍽️Food & Dining	$120	$240
🚗Transportation	$96	$144
Lounge Access	—	United Club Membership
Total credits	$441	$814
Annual fee	$150	$695
Net value	+$291	+$119

BEST NET VALUE

CHASEUnited Business Card

FEE$150

CREDITS$441

NET+$291

Category wins0 of 3

CHASEChase United Club

FEE$695

CREDITS$814

NET+$119

Category wins3 of 3

ADDITIONAL BENEFITS

LOUNGE ACCESS

United Club Membership

TAKE THE UNITED CLUB IF

You use travel, food & dining, transportation.

Track what you useAdd your card and mark the credits you collect. The calculator does the rest.

Start tracking free

Frequently asked questions

Which is better, United Business Card or Chase United Club?

The United Business Card is better with $291 net annual value compared to the Chase United Club at $119. The United Business Card wins by $172/year.

What's the difference between United Business Card and Chase United Club?

The key differences: Chase United Club has a $695 annual fee and $814 in annual benefits, while United Business Card has a $150 annual fee and $441 in annual benefits. The annual fee difference is $545.

Which has a lower annual fee, United Business Card or Chase United Club?

The United Business Card has a lower annual fee at $150 compared to the Chase United Club at $695. However, the Chase United Club offers $814 in total annual benefits.

Is the United Business Card worth it compared to the Chase United Club?

Yes, the United Business Card offers better value with $291 net annual value compared to $119 for the Chase United Club. It also has a lower annual fee.

Which card is better for travel?

The Chase United Club is better for travel with $400 in annual travel benefits compared to $225 for the United Business Card.

Should I get the United Business Card?

If you're deciding between the United Business Card and Chase United Club, 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.