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CardCurator — Rewards Intelligence
Card Comparison

AT&T Points Plus Card vs United Club Business

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

AT&T Points Plus Card card art
Citi ThankYou Points
AT&T Points Plus Card
Citi
More Info
United Club Business card art
United MileagePlus
United Club Business
Chase
More Info
Annual Fee
No annual fee
$695/yr
Foreign Fees
3%
None
Signup Bonus
20,000 points
Spend $1,000 in 3 months
8,000 points
Spend $5,000 in 3 months
Top Earn Rates
  • gas and EV charging stations 3x
  • grocery stores, including grocery delivery services 2x
  • All Other Purchases 1x
  • United Purchases 4x
  • Dining 2x
  • Hotel Stays 2x
Reward Type
miles
miles
Key Credits
  • AT&T wireless bills $20
  • Global Entry/TSA PreCheck Credit $120
  • IHG Rewards Credit $120
Card Perks
None listed
  • United Club Membership
  • Free First and Second Checked Bags
  • Premier Access
  • +1 more
Transfer Partners
  • AAdvantage
  • AAdvantage
  • Aeromexico Club Premier
  • Aeromexico Club Premier
  • Accor Live Limitless
  • +35 more
No transfer partners
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Common Questions: AT&T Points Plus Card vs United Club Business

Is the AT&T Points Plus Card or United Club Business better for dining?

AT&T Points Plus Card has no dining bonus; United Club Business earns 2x on dining.

Which has the higher signup bonus in 2026?

AT&T Points Plus Card currently offers 20,000 pts signup bonus (spend $1,000 in 3 months). United Club Business offers 8,000 pts signup bonus (spend $5,000 in 3 months). AT&T Points Plus Card has the larger bonus.

Which card is better for international travel?

United Club Business charges no foreign transaction fees — the better pick for international use. AT&T Points Plus Card charges 3% on foreign purchases.

Can I hold both the AT&T Points Plus Card and the United Club Business?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. AT&T Points Plus Card is from Citi and United Club Business is from Chase, so they're governed by separate bank policies.