United Enterprise Card vs. the United Membership Enterprise Card: Which must you get?

United provides two enterprise bank cards related in identify however very completely different by way of annual charges and advantages.

The mid-tier United℠ Enterprise Card provides nice worth for a low annual payment. In distinction, the top-tier United Membership Enterprise Card has a considerably larger annual payment and a few priceless advantages for frequent United enterprise vacationers.

Should you’re a enterprise proprietor who desires 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 knowledge 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 offered by the cardboard issuer.

Presently, the United Enterprise provides 75,000 bonus miles after spending $5,000 on eligible purchases within the first three months of account opening. The United Membership Enterprise card provides 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 price $1,013 and $675, respectively, in line with TPG’s January 2025 valuations. That variety of miles may very well 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 provides 25,000 extra miles than the Membership Enterprise card, however the Membership Enterprise card provides you 1,000 PQP, which will be helpful in case you are making an attempt to attain United MileagePlus Premier standing.

Associated studying: The way to unlock extra award availability with United bank cards

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 yr, and for those who use the cardboard to make seven or extra eligible United purchases of at the very least $100 every in an account yr, 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 traces, 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 may save them tens of hundreds of miles yearly.

These are useful advantages, however probably the most priceless 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 price $550-$650 per yr and might be probably the most vital motive to get this card.

Lastly, each playing cards may also help you with a modest enhance towards Premier elite standing with United. For each $500 you spend on purchases per calendar yr, you earn 25 PQP, as much as 1,000 PQP per yr. Incomes standing via bank card spending is less complicated since United lowered the spending requirement for PQP.

Extra advantages on each playing cards embrace no international transaction charges, major rental automobile insurance coverage, journey accident insurance coverage, journey cancellation and interruption, and buy safety for brand new gadgets. 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 luggage and a United Membership membership are exhausting to beat.

Associated studying: The last word information to United Membership entry

The United Enterprise Card earns bonus factors in a number of completely different classes. It accrues 2 miles per greenback on United purchases, gasoline stations, eating places and workplace provide shops, and native transit and commuting — together with mass transit methods, tolls, taxis and ride-hailing companies. Cardholders additionally earn 3 miles per greenback on United Resort purchases.

Against this, the United Membership Enterprise Card earns 2 miles per greenback on United purchases and three.5 miles per greenback on United Resort purchases. As well as, the cardboard earns a flat 1.5 miles per greenback on all different purchases.

Should you are inclined to make many purchases on the particular kinds of retailers the place the United Enterprise Card accrues 2 miles per greenback spent, then that card’s incomes charges might allow you to rack up the miles for award flights rapidly.

Nonetheless, in case your buy exercise covers a extra various vary of classes, the easier incomes system on the Membership Enterprise is likely to be higher for you.

Winner: United Enterprise. It provides 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 may redeem United miles for United and United-Specific 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 will be redeemed via the MileagePlus program.

Associated: The way to redeem miles with the United MileagePlus program

If your online business purchases are usually within the bonus classes the United Enterprise Card provides, its elevated incomes charges may also help you rake in miles. However, for those who usually 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.

Each playing cards are issued by Chase and fall inside the similar bank card household. That is helpful as a result of if in case you have the United Enterprise card, you possibly can improve to the United Membership Enterprise card by calling Chase customer support. Do observe that upgrading to the United Membership Enterprise is not going to make you eligible for the cardboard’s sign-up bonus and should 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

To be taught extra, learn our full evaluate of the United Enterprise Card.

Apply right here: United Enterprise Card