United Business Card vs United Club Business Card: which one fits your business?
Side-by-side comparison of United Business Card and United Club Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: United Club Business Card wins on our scorecard (7.5/10 vs 7.4/10).
| Scored on | United Business Card | United Club Business Card |
|---|---|---|
| Right fit for small biz | 9 | 7 |
| Ease of use | 7 | 8 |
| Fees & pricing | 8 | 6 |
| Customer support | 6 | 7 |
| Features | 7 | 9 |
| Annual Fee | $99 ($0 first year) | $450 |
| Foreign Transaction Fee | $0 | $0 |
| Late Payment Fee | Up to $40 | — |
| Purchase APR | 21.49% - 28.49% variable | 21.49%–28.49% (Variable) |
| Late Fee | — | Up to $40 |
United Business Card in one paragraph
A top-tier choice for United loyalists that pays for itself through bag fee waivers and anniversary credits.
Skip it if: You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.
United Club Business Card in one paragraph
A powerhouse for United loyalists who need a mobile office in the lounge, but the $450 fee is a high price for those who don't live in a hub city.
Skip it if: You don't fly United at least five times a year or you prefer to use multiple different airlines for the lowest price.
Frequently asked questions
Which is better, United Business Card or United Club Business Card?
On our five-axis scorecard, United Club Business Card scores higher (7.5/10 vs 7.4/10). A powerhouse for United loyalists who need a mobile office in the lounge, but the $450 fee is a high price for those who don't live in a hub city.
Who should skip United Business Card?
You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.
Who should skip United Club Business Card?
You don't fly United at least five times a year or you prefer to use multiple different airlines for the lowest price.