United presents two enterprise bank cards comparable in title however very totally different when it comes to annual charges and advantages.
The mid-tier United℠ Enterprise Card presents nice worth for a low annual price. In distinction, the top-tier United Membership Enterprise Card has a considerably larger annual price and a few worthwhile advantages for frequent United enterprise vacationers.
In the event you’re a enterprise proprietor who needs a United cobranded card, which of those playing cards is a greater match for you? Let us take a look at each playing cards’ advantages and dive deeper into each.
The data for the United Membership Enterprise has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
United Enterprise vs. United Membership Enterprise comparability
| United Enterprise Card | United Membership Enterprise Card | |
|---|---|---|
| Signal-up bonus | Earn 75,000 bonus miles after spending $5,000 on eligible purchases within the first three months of account opening. | Earn 50,000 bonus miles and 1,000 Premier qualifying factors after spending $5,000 on eligible purchases within the first three months of account opening. |
| Annual price | $0 introductory annual price for the primary 12 months, then $99 | $450 |
| Incomes | 2 miles per greenback on United
3 miles per greenback on United Resorts 2 miles per greenback at eating places, fuel stations, workplace provide shops, native transit, and commuting 1 mile per greenback on all different purchases |
2 miles per greenback on United
3.5 miles per greenback on United Resorts 1.5 miles per greenback on all different purchases |
| Lounge entry | Two United Membership one-time passes yearly | United Membership membership |
| United advantages | One free checked bag
Precedence boarding $100 annual journey credit score after you make seven or extra $100 United purchases every anniversary 12 months 25% again on United Inflight and Membership premium drink purchases As much as 1,000 PQPs by way of spending Expanded award availability Premier upgrades on award tickets 5,000 miles on every card anniversary for those who even have a private United card
|
Two free checked baggage
Premier Entry companies — designated check-in strains, precedence safety lanes, precedence boarding and precedence baggage dealing with (the place out there) 25% again on United Inflight and Membership premium drink purchases As much as 1,000 PQP by way of spending Expanded award availability Premier upgrades on award tickets |
| Different advantages | Journey and buy protections
No overseas transaction charges |
Journey and buy protections
Avis President’s Membership elite standing No overseas transaction charges
|
United Enterprise vs. United Membership Enterprise welcome provide
Presently, the United Enterprise presents 75,000 bonus miles after spending $5,000 on eligible purchases within the first three months of account opening. The United Membership Enterprise card presents 50,000 bonus miles and 1000 PQP after spending $5,000 within the first three months of account opening.
75,000 and 50,000 United miles are value $1,013 and $675, respectively, based on TPG’s January 2025 valuations. That variety of miles might be sufficient for home financial system award tickets or one-way tickets in a premium cabin on United or its companions.
Winner: Tie. The United Enterprise card presents 25,000 extra miles than the Membership Enterprise card, however the Membership Enterprise card offers you 1,000 PQP, which could be helpful if you’re making an attempt to attain United MileagePlus Premier standing.
Associated studying: Methods to unlock extra award availability with United bank cards
United Enterprise vs. the United Membership Enterprise advantages
The United Enterprise Card features a first checked bag free for cardholders and as much as one companion on United flights — as much as $160 in worth, round-trip. Cardholders additionally obtain precedence boarding, a 25% inflight buy low cost and two one-time United Membership passes on every account anniversary. Plus, cardholders who additionally maintain a private United card obtain 5,000-anniversary bonus miles every account 12 months, and for those who use the cardboard to make seven or extra eligible United purchases of no less than $100 every in an account 12 months, you’ll obtain a $100 assertion credit score.
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These with the United Membership Enterprise Card get a free first and second checked bag for themselves and a companion on the identical reservation bought utilizing the cardboard (as much as $360 in worth).
Cardholders can use the airline’s Premier Entry companies, together with designated check-in and safety strains, precedence boarding, and baggage dealing with. Additionally they obtain a 25% refund on inflight purchases of meals, drinks, Wi-Fi, and expanded award availability, which might save them tens of 1000’s of miles yearly.
These are useful advantages, however essentially the most worthwhile United Membership Enterprise perk is the complimentary United Membership membership. It contains entry to United Membership airport lounges, some Star Alliance lounges, and as much as two company (or an grownup and any youngsters) when flying United and its companions. This perk alone is value $550-$650 per 12 months and might be essentially the most vital cause to get this card.
Lastly, each playing cards might help you with a modest increase towards Premier elite standing with United. For each $500 you spend on purchases per calendar 12 months, you earn 25 PQP, as much as 1,000 PQP per 12 months. Incomes standing by way of bank card spending is simpler since United lowered the spending requirement for PQP.
Extra advantages on each playing cards embrace no overseas transaction charges, main rental automobile insurance coverage, journey accident insurance coverage, journey cancellation and interruption, and buy safety for brand new objects. The United Membership Enterprise Card additionally gives Avis President’s Membership elite standing, which gives advantages like upgrades and expanded availability.
Winner: United Membership Enterprise. Two checked baggage and a United Membership membership are laborious to beat.
Associated studying: The last word information to United Membership entry
Incomes miles with the United Enterprise vs. the United Membership Enterprise
The United Enterprise Card earns bonus factors in a number of totally different classes. It accrues 2 miles per greenback on United purchases, fuel stations, eating places and workplace provide shops, and native transit and commuting — together with mass transit techniques, tolls, taxis and ride-hailing companies. Cardholders additionally earn 3 miles per greenback on United Lodge purchases.
In contrast, the United Membership Enterprise Card earns 2 miles per greenback on United purchases and three.5 miles per greenback on United Lodge purchases. As well as, the cardboard earns a flat 1.5 miles per greenback on all different purchases.
In the event you are likely to make many purchases on the particular sorts of retailers the place the United Enterprise Card accrues 2 miles per greenback spent, then that card’s incomes charges may assist you rack up the miles for award flights shortly.
Nonetheless, in case your buy exercise covers a extra numerous vary of classes, the easier incomes method on the Membership Enterprise could be higher for you.
Winner: United Enterprise. It presents bonus factors in a number of extra classes than the Membership Enterprise.
Redeeming miles with the United Enterprise vs. the United Membership Enterprise
Each United enterprise bank cards earn United miles, that are deposited into the cardholder’s MileagePlus account. You’ll be able to redeem United miles for United and United-Categorical flights and flights on any Star Alliance provider or associate airline.
TPG bank cards author Chris Nelson is a longtime United loyalist. He has taken benefit of many associate redemptions and redeemed his miles for a lot of saver award tickets, together with last-minute Polaris business-class flights to Europe.
Winner: Tie. Each playing cards earn United miles, which could be redeemed by way of the MileagePlus program.
Associated: Methods to redeem miles with the United MileagePlus program
Ought to I get the United Enterprise or the United Membership Enterprise?
If your online business purchases are usually within the bonus classes the United Enterprise Card presents, its elevated incomes charges might help you rake in miles. However, for those who frequently journey with United, you will seemingly favor the United Membership Enterprise for its lounge entry, extra free checked baggage, Premier Entry companies on the airport and extra complete journey protections.
Methods to improve from United Enterprise to United Membership Enterprise
Each playing cards are issued by Chase and fall inside the similar bank card household. That is helpful as a result of you probably have the United Enterprise card, you possibly can improve to the United Membership Enterprise card by calling Chase customer support. Do notice that upgrading to the United Membership Enterprise won’t make you eligible for the cardboard’s sign-up bonus and will make you ineligible to earn a sign-up bonus on the identical card for those who attempt to apply for a similar card inside 24 months.
Associated: The last word information to bank card upgrades
Backside line
Each playing cards are tailor-made to United loyalists, providing aggressive welcome bonuses for brand new candidates. Though the annual price is dramatically totally different, the advantages of the United Membership Enterprise greater than make up for the hefty price for these capable of maximize them. Earlier than making use of for both card, map your online business bills, decide how typically you fly on United, and choose the precise card to enhance your online business bills and redemption aspirations.
To be taught extra, learn our full evaluation of the United Enterprise Card.
Apply right here: United Enterprise Card
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