Card Comparison
United Club vs United Club Business
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$695/yr
$695/yr
Foreign Fees
None
None
Signup Bonus
90,000 points
Spend $5,000 in 3 months
8,000 points
Spend $5,000 in 3 months
Top Earn Rates
- United Purchases 4x
- Dining 2x
- Hotel Stays 2x
- United Purchases 4x
- Dining 2x
- Hotel Stays 2x
Reward Type
miles
miles
Key Credits
- Global Entry/TSA PreCheck Credit $120
- IHG Rewards Credit $120
- Global Entry/TSA PreCheck Credit $120
- IHG Rewards Credit $120
Card Perks
- United Club Membership
- Free First and Second Checked Bags
- Premier Access
- +1 more
- United Club Membership
- Free First and Second Checked Bags
- Premier Access
- +1 more
Transfer Partners
No transfer partners
No transfer partners
Common Questions: United Club vs United Club Business
Is the United Club or United Club Business better for dining?
United Club earns 2x on dining; United Club Business earns 2x on dining. United Club wins for dining.
Which has the higher signup bonus in 2026?
United Club currently offers 90,000 pts signup bonus (spend $5,000 in 3 months). United Club Business offers 8,000 pts signup bonus (spend $5,000 in 3 months). United Club 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 United Club 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. Both cards are from Chase, so check their specific application rules.