United℠ Club vs United℠ Business Card
Side-by-side comparison
| United℠ Club | United℠ Business Card | |
|---|---|---|
| Annual fee | $695 | $150 |
| Welcome offer | Up to 90,000 bonus miles | 100,000 miles |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 2% |
| Phone & internet | 1% | 1% |
| Travel | 2% | 2% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $522 | $570 |
| Points type | Locked to United MileagePlus | Locked to United MileagePlus |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the United℠ Club earns about $522 a year in rewards and the United℠ Business Card about $570, valuing every point at a flat 1 cent. The United℠ Club charges $695, which you clear through its rewards and perks. The United℠ Business Card charges $150, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the United℠ Business Card delivers more total value, about $593 a year more for a typical spender, mostly because it earns more where you spend most, on office supplies. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the two are currently comparable in size. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the United℠ Business Card if your spending leans toward office supplies.