United Airways presents two enterprise bank cards which might be related in title however differ considerably in annual charges and advantages.
The mid-tier United℠ Enterprise Card (see charges and costs) presents nice worth for a low annual charge. In distinction, the top-tier United Membership℠ Enterprise Card has a considerably greater annual charge and priceless advantages for frequent United enterprise vacationers.
United refreshed its complete suite of bank cards in March, and we noticed modifications in advantages, new assertion credit and, as anticipated, will increase in annual charges.
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’s look at each playing cards’ advantages and discover every in additional element.
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
At the very least 7 miles per greenback spent on United flight purchases
5 miles per greenback spent on resort stays bought by United lodges
2 miles per greenback spent on different eligible United purchases
2 miles per greenback spent on eating, fuel station purchases, workplace provide retailer purchases, native transit and commuting
1 mile per greenback spent on all different purchases
At the very least 7 miles per greenback spent on United flight purchases
5 miles per greenback spent on resort stays for pay as you go Famend Lodges and Resorts
2 miles per greenback spent on different eligible United purchases
1.5 miles per greenback spent on all different purchases
Lounge entry
Two United Membership one-time passes yearly
4 United Membership one-time passes per anniversary 12 months (approved consumer required on account and Membership All Entry Membership)
United Membership membership
United Membership All Entry membership (unlocked with spending or United Premier Gold standing)
United advantages
25% again on United inflight purchases within the type of an announcement credit score
As much as $25 in assertion credit on United FareLock
As much as $125 in United TravelBank money
One free checked bag
Precedence boarding
As much as 4,000 PQPs by spending
Two continental U.S. Economic system Plus seat upgrades
Expanded award availability
Premier upgrades on award tickets
5,000 miles on every card anniversary should you even have a private United card
25% again on United inflight purchases
As much as $50 in assertion credit on United FareLock
Two free checked luggage
Premier Entry companies, together with designated check-in traces, precedence safety lanes, precedence boarding and precedence baggage dealing with (the place out there)
As much as 28,000 PQPs by spending
Two international Economic system Plus seat upgrades
Expanded award availability
Premier upgrades on award tickets
5,000 miles on every card anniversary should you even have a private United card
Different advantages
As much as $50 in United TravelBank money after eligible Avis or Finances automobile rental purchases (two $25 credit)
As much as $100 in ride-hailing assertion credit
As much as $100 in United Lodges assertion credit
As much as $100 in assertion credit for JSX flight purchases yearly
As much as $120 in Instacart credit
Three months complimentary Instacart+ membership
Journey and buy protections
No overseas transaction charges
As much as $100 in United journey credit yearly on Avis or Finances (two $50 credit)
As much as $150 in ride-hailing assertion credit
As much as $200 in assertion credit for resort stays booked by Famend Lodges and Resorts
As much as $200 in assertion credit for JSX flight purchases yearly
As much as $240 in Instacart credit
Avis President’s Membership elite standing
Complimentary Instacart+ membership
Journey and buy protections
No overseas transaction charges
United Enterprise vs. United Membership Enterprise welcome supply
Each playing cards are at the moment providing the identical welcome bonus.
The United Enterprise Card is providing 100,000 bonus miles and a pair of,000 PQPs after spending $5,000 on eligible purchases within the first three months of account opening.
These bonus miles are price $1,300 per TPG’s July 2025 valuations. This supply is 25,000 bonus miles greater (not together with the bonus PQPs) than the usual supply we sometimes see.
In the meantime, the United Membership Enterprise Card can be providing 100,000 bonus miles and a pair of,000 PQPs after spending $5,000 on eligible purchases within the first three months of account opening. The bonus miles are additionally price $1,300, based mostly on TPG’s July 2025 valuations.
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This supply can be 25,000 bonus miles (not together with the PQPs) above the everyday welcome supply we have seen on the cardboard.
With both card, the bonus miles from the welcome supply could possibly be sufficient for just a few home economic system award tickets or one-way tickets in a premium cabin on United or its companions.
It is vital to notice that you just will not be eligible for a welcome bonus when you have obtained one on the cardboard you are making use of for inside the previous 24 months.
You will even be topic to Chase’s 5/24 rule as a way to be authorized for both card.
Winner: Tie. Each playing cards share the identical welcome supply.
Associated studying: Find out how to unlock further award availability with United Airways
United Enterprise vs. United Membership Enterprise advantages
United Enterprise advantages
The United Enterprise Card features a free first checked bag for cardholders and as much as one companion on United flights, as much as $160 in worth, round-trip. Cardholders additionally obtain precedence boarding and two one-time United Membership passes on every account anniversary. Keep in mind that the United Membership passes can solely be utilized by the first cardholder, a certified consumer or a visitor touring with them.
Plus, cardholders who additionally maintain a private United card obtain 5,000 anniversary bonus miles every account 12 months. Those that use the cardboard for 5 United flight purchases of $100 or extra every calendar 12 months will obtain $125 in United TravelBank money.
Moreover, the United Enterprise Card has quite a lot of perks and assertion credit, together with:
Economic system Plus seat upgrades: Earn two continental U.S. Economic system Plus seat upgrades after spending $25,000 in a calendar 12 months.$100 United Lodges assertion credit score: Obtain $50 in assertion credit on each your first and second pay as you go resort stays ($100 most) when bought by United Lodges every anniversary 12 months.Trip-hailing credit score: Obtain as much as $100 in ride-hailing assertion credit every calendar 12 months ($8 per thirty days from January to November and $12 in December). Yearly enrollment is required.United journey credit score through automobile rental: Earn as much as $25 in United TravelBank money per eligible Avis or Finances rental when reserving by automobiles.united.com. This profit is restricted to 2 $25 United TravelBank credit per anniversary 12 months ($50 most).JSX assertion credit score: Earn as much as $100 in assertion credit on JSX (a semiprivate jet service) purchases made immediately with the airline per anniversary 12 months.FareLock assertion credit score: Earn as much as $25 in assertion credit yearly after buying FareLock for United flights.Instacart+ membership: Take pleasure in a complimentary Instacart+ membership for 3 months, with a 25% discounted plan thereafter. (Advantages finish Dec. 31, 2027.)Instacart assertion credit: Earn as much as $120 in Instacart credit score every calendar 12 months (as much as $10 a month) on purchases made with the United Enterprise Card. (Advantages finish Dec. 31, 2027.)
United Membership Enterprise advantages
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) and entry to United Premier Entry companies.
Nevertheless, the star of the present for the United Membership Enterprise is a United Membership membership, which permits cardholders and their eligible journey companions, together with one grownup visitor and dependent kids, entry to over 45 United Membership areas worldwide. United has launched United Membership All Entry membership after a cardholder reaches Premier Gold standing or spends $50,000 every year with the United Membership Enterprise Card. Advantages embody visitor privileges for as much as two adults or one grownup and dependent kids underneath the age of 18 and supply entry to all United Membership areas and collaborating Star Alliance-affiliated lounges.
Much like its decrease annual charge counterpart, the United Membership Enterprise additionally has a number of perks and journey credit, together with:
Famend Lodges and Resorts credit score: Stand up to $200 again in assertion credit every anniversary 12 months on pay as you go bookings made immediately with Famend Lodges and Resorts utilizing the United Membership Enterprise Card.JSX assertion credit score: Earn as much as $200 in assertion credit on JSX purchases made immediately with the airline per anniversary 12 months.Economic system Plus seat upgrades: Earn two international U.S. Economic system Plus seat upgrades after spending $40,000 in a calendar 12 months.Trip-hailing credit score: Obtain as much as $150 in ride-hailing assertion credit score every calendar 12 months ($12 per thirty days from January to November and $18 in December). Yearly enrollment is required.United journey credit score through automobile rental: Earn as much as $50 in United TravelBank money per eligible Avis or Finances rental when reserving by automobiles.united.com. This profit is restricted to 2 $50 United TravelBank credit per anniversary 12 months ($100 most).FareLock assertion credit score: Earn as much as $50 in assertion credit yearly after buying FareLock for United flights.Instacart+ membership: Take pleasure in complimentary Instacart+ membership for 3 months, with a 25% discounted plan thereafter. (Advantages finish Dec. 31, 2027.)Instacart assertion credit: Earn as much as $240 in Instacart credit score every calendar 12 months (as much as two $10 month-to-month credit) on purchases made along with your card. (Advantages finish Dec. 31, 2027.)
You will additionally obtain 4 one-time Membership passes on your approved customers every year after assembly spending necessities. The primary cardholder should have a United Membership All Entry membership, which permits one individual to entry a lounge with the first cardholder or the worker card.
Comparable advantages
Each playing cards will help you earn towards Premier elite standing with United. With the United Enterprise Card, you earn 1 PQP for each $20 spent, as much as 4,000 PQPs in a calendar 12 months. The United Membership Enterprise earns 1 PQP for each $15 spent, with the flexibility to earn as much as 28,000 PQPs per calendar 12 months. Each playing cards will help you earn as much as the Premier 1K standing stage.
Extra advantages on each playing cards embody:
The United Membership Enterprise Card additionally supplies Avis President’s Membership elite standing, which incorporates advantages like upgrades and expanded availability.
Winner: United Membership Enterprise. United Membership membership and a better restrict for assertion credit give this card a transparent edge.
Associated: The final word information to United Membership entry
Incomes miles with the United Enterprise vs. United Membership Enterprise
The United Enterprise Card earns bonus miles in a number of totally different classes. It earns:
At the very least 7 miles per greenback spent on United purchases (tiered earnings based mostly on United elite standing; at the very least a 9.1% return based mostly on TPG’s July 2025 valuations)5 miles per greenback spent on United Lodge purchases (6.5% return)2 miles per greenback spent at fuel stations, eating places and workplace provide shops, in addition to on native transit and commuting (together with mass transit methods), ride-hailing companies, taxis and tolls (2.6% return)
In contrast, the United Membership Enterprise Card earns:
At the very least 7 miles per greenback spent on United purchases (at the very least a 9.1% return)5 miles per greenback spent on resort stays for pay as you go Famend Lodges and Resorts (6.5% return)1.5 miles per greenback spent on all different purchases (roughly a 2% return)
In the event you are likely to make extra eating, fuel, workplace provide retailer and commuting purchases, then the United Enterprise Card’s 2 miles per greenback incomes fee might enable you rapidly rack up the miles for award flights.
Nevertheless, in case your buy exercise covers a extra various vary of classes, the less complicated 1.5 miles per greenback incomes method on the Membership Enterprise may be higher for you.
Winner: United Enterprise. It presents bonus miles in a number of extra classes than the Membership Enterprise.
Redeeming miles with the United Enterprise vs. United Membership Enterprise
Each United enterprise bank cards earn United miles which might be deposited into the cardholder’s MileagePlus account. You possibly can redeem United miles for United and United Specific flights and flights on any Star Alliance provider or accomplice airline.
Chris Nelson, a bank cards author at TPG, is a longtime United loyalist. He has taken benefit of many accomplice 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 that may be redeemed by the MileagePlus program.
Associated: Find out how to redeem miles with the United MileagePlus program
Ought to I get the United Enterprise or United Membership Enterprise?
If your corporation purchases are typically within the bonus classes the United Enterprise Card presents, its elevated incomes charges will help you rake in miles. However, should you recurrently journey with United, you may doubtless choose the United Membership Enterprise for its lounge entry, further free checked baggage, Premier Entry companies on the airport, extra complete journey credit and journey protections.
Find out how to improve from the United Enterprise to United Membership Enterprise
Each playing cards are issued by Chase and fall inside the identical bank card household. That is helpful as a result of when you have the United Enterprise Card, you’ll be able to improve to the United Membership Enterprise Card by calling Chase customer support.
Nevertheless, notice that upgrading to the United Membership Enterprise will make you ineligible to earn the cardboard’s welcome bonus and will make you ineligible to earn a welcome bonus on the identical card should you attempt to apply for a similar card inside 24 months.
Associated: The final word information to bank card upgrades
Backside line
Each playing cards are tailor-made to United loyalists, providing wonderful welcome bonuses for brand spanking new candidates.
Though its annual charge is dramatically greater, the advantages of the United Membership Enterprise greater than make up for the hefty charge for these capable of maximize them.
Earlier than making use of for both card, map your corporation bills, decide how typically you fly with United and choose the correct card to enrich your corporation bills and redemption aspirations.
To be taught extra, learn our full overview of the United Enterprise and United Membership Enterprise Card.
Apply right here: United Enterprise Card
