Choice Privileges® Mastercard® vs United Club℠ Business Card
Side-by-side comparison
| Choice Privileges® Mastercard® | United Club℠ Business Card | |
|---|---|---|
| Annual fee | No annual fee | $695 |
| Welcome offer | 60,000 points | 110,000 miles |
| Advertising | 1% | 1.5% |
| Shipping | 1% | 1.5% |
| Office supplies | 1% | 1.5% |
| Phone & internet | 3% | 1.5% |
| Travel | 5% | 2% |
| Everything else | 1% | 1.5% |
| Est. yearly rewards* | $714 | $699 |
| Points type | Locked to Choice Privileges | Locked to United MileagePlus |
| Network | Mastercard | 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 Choice Privileges® Mastercard® earns about $714 a year in rewards and the United Club℠ Business Card about $699, valuing every point at a flat 1 cent. The Choice Privileges® Mastercard® has no annual fee, so its rewards are all profit. The United Club℠ Business Card charges $695, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Choice Privileges® Mastercard® delivers more total value, about $710 a year more for a typical spender, mostly because it earns more where you spend most, on travel 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℠ Business Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Choice Privileges® Mastercard® if your spending leans toward phone & internet, travel. Pick the United Club℠ Business Card if your spending leans toward advertising, shipping, office supplies.