Bank of America Unlimited Cash Rewards vs United Club Business
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- All Purchases 1.5x
- United Purchases 4x
- Dining 2x
- Hotel Stays 2x
- Global Entry/TSA PreCheck Credit $120
- IHG Rewards Credit $120
- United Club Membership
- Free First and Second Checked Bags
- Premier Access
- +1 more
Common Questions: Bank of America Unlimited Cash Rewards vs United Club Business
Is the Bank of America Unlimited Cash Rewards or United Club Business better for dining?
Bank of America Unlimited Cash Rewards has no dining bonus; United Club Business earns 2x on dining.
Which has the higher signup bonus in 2026?
Bank of America Unlimited Cash Rewards currently offers $2 signup bonus (spend $1,000 in 3 months). United Club Business offers 8,000 pts signup bonus (spend $5,000 in 3 months). United Club Business has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Bank of America Unlimited Cash Rewards 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. Bank of America Unlimited Cash Rewards is from Bank of America and United Club Business is from Chase, so they're governed by separate bank policies.