United Enterprise vs. Membership Enterprise: Which do you have to get?

United Airways presents two enterprise bank cards which are related in identify 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 useful advantages for frequent United enterprise vacationers.

United refreshed its total suite of bank cards in March, and we noticed modifications in advantages, new assertion credit and, as anticipated, will increase in annual charges.

Should 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

United Enterprise vs. United Membership Enterprise welcome supply

Each playing cards are at present 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 value $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 usually see.

In the meantime, the United Membership Enterprise Card can also 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 value $1,300, primarily based on TPG’s July 2025 valuations.

This supply can also be 25,000 bonus miles (not together with the PQPs) above the standard welcome supply we have seen on the cardboard.

With both card, the bonus miles from the welcome supply could possibly be sufficient for a couple of home financial system award tickets or one-way tickets in a premium cabin on United or its companions.

It is necessary to notice that you simply will not be eligible for a welcome bonus if in case 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 in an effort to be accepted for both card.

Winner: Tie. Each playing cards share the identical welcome supply.

Associated studying: Easy methods to unlock extra 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 licensed person 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:

• Financial system Plus seat upgrades: Earn two continental U.S. Financial system Plus seat upgrades after spending $25,000 in a calendar 12 months.
• $100 United Inns assertion credit score: Obtain $50 in assertion credit on each your first and second pay as you go lodge stays ($100 most) when bought by United Inns every anniversary 12 months.
• Trip-hailing credit score: Obtain as much as $100 in ride-hailing assertion credit every calendar 12 months ($8 monthly from January to November and $12 in December). Yearly enrollment is required.
• United journey credit score through automotive rental: Earn as much as $25 in United TravelBank money per eligible Avis or Funds rental when reserving by automobiles.united.com. This profit is proscribed 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 straight 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: Get pleasure from 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 providers.

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 youngsters, entry to over 45 United Membership places worldwide. United has launched United Membership All Entry membership after a cardholder reaches Premier Gold standing or spends $50,000 annually with the United Membership Enterprise Card. Advantages embrace visitor privileges for as much as two adults or one grownup and dependent youngsters beneath the age of 18 and supply entry to all United Membership places and taking part 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 Inns and Resorts credit score: Rise up to $200 again in assertion credit every anniversary 12 months on pay as you go bookings made straight with Famend Inns and Resorts utilizing the United Membership Enterprise Card.
• JSX assertion credit score: Earn as much as $200 in assertion credit on JSX purchases made straight with the airline per anniversary 12 months.
• Financial system Plus seat upgrades: Earn two international U.S. Financial 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 monthly from January to November and $18 in December). Yearly enrollment is required.
• United journey credit score through automotive rental: Earn as much as $50 in United TravelBank money per eligible Avis or Funds rental when reserving by automobiles.united.com. This profit is proscribed 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: Get pleasure from 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 licensed customers annually after assembly spending necessities. The principle 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.

Related advantages

Each playing cards may 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 may help you earn as much as the Premier 1K standing stage.

Extra advantages on each playing cards embrace:

The United Membership Enterprise Card additionally gives Avis President’s Membership elite standing, which incorporates advantages like upgrades and expanded availability.

Winner: United Membership Enterprise. United Membership membership and the next restrict for assertion credit give this card a transparent edge.

Associated: The last 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 completely different classes. It earns:

• At the very least 7 miles per greenback spent on United purchases (tiered earnings primarily based on United elite standing; a minimum of a 9.1% return primarily based on TPG’s July 2025 valuations)
• 5 miles per greenback spent on United Lodge purchases (6.5% return)
• 2 miles per greenback spent at gasoline stations, eating places and workplace provide shops, in addition to on native transit and commuting (together with mass transit techniques), ride-hailing providers, taxis and tolls (2.6% return)

Against this, the United Membership Enterprise Card earns:

• At the very least 7 miles per greenback spent on United purchases (a minimum of a 9.1% return)
• 5 miles per greenback spent on lodge stays for pay as you go Famend Inns and Resorts (6.5% return)
• 1.5 miles per greenback spent on all different purchases (roughly a 2% return)

Should you are likely to make extra eating, gasoline, workplace provide retailer and commuting purchases, then the United Enterprise Card’s 2 miles per greenback incomes fee may make it easier to shortly rack up the miles for award flights.

Nevertheless, in case your buy exercise covers a extra numerous vary of classes, the easier 1.5 miles per greenback incomes system 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 are deposited into the cardholder’s MileagePlus account. You may redeem United miles for United and United Categorical 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: Easy methods to redeem miles with the United MileagePlus program

Ought to I get the United Enterprise or United Membership Enterprise?

If your enterprise purchases are typically within the bonus classes the United Enterprise Card presents, its elevated incomes charges may help you rake in miles. However, in case you often journey with United, you will probably desire the United Membership Enterprise for its lounge entry, extra free checked baggage, Premier Entry providers on the airport, extra complete journey credit and journey protections.

Easy methods 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 if in case you have the United Enterprise Card, you may improve to the United Membership Enterprise Card by calling Chase customer support.

Nevertheless, word 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 in case you 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 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 in a position to maximize them.

Earlier than making use of for both card, map your enterprise bills, decide how typically you fly with United and choose the fitting card to enhance your enterprise bills and redemption aspirations.

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

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Apply right here: United Enterprise Card

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