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Chase United Business Card vs United Club 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. United Club Business Card 1.8% 1.5x base rate
  2. United Business Card 1.2% 1x base rate

Dining

  1. United Business Card 2.4% 2x
  2. United Club Business Card 1.8% 1.5x base rate

Gas

  1. United Business Card 2.4% 2x
  2. United Club Business Card 1.8% 1.5x base rate

Public transit

  1. United Business Card 2.4% 2x
  2. United Club Business Card 1.8% 1.5x base rate

Rideshare & taxis

  1. United Business Card 2.4% 2x
  2. United Club Business Card 1.8% 1.5x base rate

Tolls

  1. United Business Card 2.4% 2x
  2. United Club Business Card 1.8% 1.5x base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge United Business Card $150 and United Club Business Card $695 a year, so a thin lead in one category may not cover the difference.

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

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseUnited Club Business Card1.8%
DiningUnited Business Card2.4%
GasUnited Business Card2.4%
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. United Club Business Card — 1.8%
  2. United Business Card — 1.2%

Dining

  1. United Business Card — 2.4%
  2. United Club Business Card — 1.8%

Gas

  1. United Business Card — 2.4%
  2. United Club Business Card — 1.8%

Public transit

  1. United Business Card — 2.4%
  2. United Club Business Card — 1.8%

Rideshare & taxis

  1. United Business Card — 2.4%
  2. United Club Business Card — 1.8%

Tolls

  1. United Business Card — 2.4%
  2. United Club Business Card — 1.8%
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