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Chase Air Canada Aeroplan Card vs United Business Card

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Air Canada Aeroplan Card 1.5% 1x base rate
  2. United Business Card 1.2% 1x base rate

Dining

  1. Air Canada Aeroplan Card 4.5% 3x
  2. United Business Card 2.4% 2x

Groceries

  1. Air Canada Aeroplan Card 4.5% 3x
  2. United Business Card 1.2% 1x base rate

Gas

  1. Air Canada Aeroplan Card 3.0% 2x
  2. United Business Card 2.4% 2x

Travel

  1. Air Canada Aeroplan Card 4.5% 3x
  2. United Business Card 1.2% 1x base rate

Public transit

  1. United Business Card 2.4% 2x
  2. Air Canada Aeroplan Card 1.5% 1x base rate

Rideshare & taxis

  1. United Business Card 2.4% 2x
  2. Air Canada Aeroplan Card 1.5% 1x base rate

Tolls

  1. United Business Card 2.4% 2x
  2. Air Canada Aeroplan Card 1.5% 1x base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Air Canada Aeroplan Card $195 and United Business Card $150 a year, so a thin lead in one category may not cover the difference.

Where they differ: Air Canada Aeroplan Card takes everything else, dining, groceries and gas, plus 1 more; United Business Card takes public transit, rideshare & taxis and tolls.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseAir Canada Aeroplan Card1.5%
DiningAir Canada Aeroplan Card4.5%
GroceriesAir Canada Aeroplan Card4.5%
GasAir Canada Aeroplan Card3.0%
TravelAir Canada Aeroplan Card4.5%
Public transitUnited Business Card2.4%
Rideshare & taxisUnited Business Card2.4%
TollsUnited Business Card2.4%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Air Canada Aeroplan Card — 1.5%
  2. United Business Card — 1.2%

Dining

  1. Air Canada Aeroplan Card — 4.5%
  2. United Business Card — 2.4%

Groceries

  1. Air Canada Aeroplan Card — 4.5%
  2. United Business Card — 1.2%

Gas

  1. Air Canada Aeroplan Card — 3.0%
  2. United Business Card — 2.4%

Travel

  1. Air Canada Aeroplan Card — 4.5%
  2. United Business Card — 1.2%

Public transit

  1. United Business Card — 2.4%
  2. Air Canada Aeroplan Card — 1.5%

Rideshare & taxis

  1. United Business Card — 2.4%
  2. Air Canada Aeroplan Card — 1.5%

Tolls

  1. United Business Card — 2.4%
  2. Air Canada Aeroplan Card — 1.5%
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