United℠ Club vs U.S. Bank Triple Cash Rewards Business Card
Side-by-side comparison
| United℠ Club | U.S. Bank Triple Cash Rewards Business Card | |
|---|---|---|
| Annual fee | $695 | No annual fee |
| Welcome offer | Up to 90,000 bonus miles | $750 cash back |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 3% |
| Phone & internet | 1% | 3% |
| Travel | 2% | 1% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $522 | $630 |
| Points type | Locked to United MileagePlus | Cash back only |
| 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 U.S. Bank Triple Cash Rewards Business Card about $630, valuing every point at a flat 1 cent. The United℠ Club charges $695, which you clear through its rewards and perks. The U.S. Bank Triple Cash Rewards Business Card has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the U.S. Bank Triple Cash Rewards Business Card delivers more total value, about $803 a year more for a typical spender, mostly because it earns more where you spend most, on office supplies and phone & internet. 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 United℠ Club currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the United℠ Club if your spending leans toward travel. Pick the U.S. Bank Triple Cash Rewards Business Card if your spending leans toward office supplies, phone & internet.