United Club℠ Business Card vs U.S. Bank Cash+®
Side-by-side comparison
| United Club℠ Business Card | U.S. Bank Cash+® | |
|---|---|---|
| Annual fee | $695 | No annual fee |
| Welcome offer | 110,000 miles | $250 rewards bonus |
| Advertising | 1.5% | 1% |
| Shipping | 1.5% | 1% |
| Office supplies | 1.5% | 1% |
| Phone & internet | 1.5% | 1% |
| Travel | 2% | 5% |
| Everything else | 1.5% | 1% |
| Est. yearly rewards* | $699 | $738 |
| 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℠ Business Card earns about $699 a year in rewards and the U.S. Bank Cash+® about $738, valuing every point at a flat 1 cent. The United Club℠ Business Card charges $695, which you clear through its rewards and perks. The U.S. Bank Cash+® has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the U.S. Bank Cash+® delivers more total value, about $734 a year more for a typical spender, mostly because it earns more where you spend most, on travel. 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 United Club℠ Business Card if your spending leans toward advertising, shipping, office supplies. Pick the U.S. Bank Cash+® if your spending leans toward travel.