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

United Airways affords 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) affords nice worth for a low annual payment. In distinction, the top-tier United Membership℠ Enterprise Card has a considerably increased annual payment and helpful 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.

In case you’re a enterprise proprietor who desires a United cobranded card, which of those playing cards is a greater match for you? Let’s study 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 offered 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 price $1,300 per TPG’s July 2025 valuations. This supply is 25,000 bonus miles increased (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 price $1,300, based mostly on TPG’s July 2025 valuations.

This supply can also 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 financial system award tickets or one-way tickets in a premium cabin on United or its companions.

It is essential to notice that you simply will not be eligible for a welcome bonus 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 with a purpose to be permitted for both card.

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

Associated studying: The right way 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 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 a wide range 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 Lodges 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 way of United Lodges every anniversary 12 months.
• Experience-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 by way of automotive rental: Earn as much as $25 in United TravelBank money per eligible Avis or Finances rental when reserving by way of vehicles.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 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: 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 providers.

Nonetheless, 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 places 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 places and taking part Star Alliance-affiliated lounges.

Much like its decrease annual payment counterpart, the United Membership Enterprise additionally has a bunch of perks and journey credit, together with:

• Famend Lodges 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 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 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.
• Experience-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 by way of automotive rental: Earn as much as $50 in United TravelBank money per eligible Avis or Finances rental when reserving by way of vehicles.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 principle cardholder will need to have a United Membership All Entry membership, which permits one particular person to entry a lounge with the first cardholder or the worker card.

Comparable advantages

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

Further advantages on each playing cards embody:

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 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 completely different classes. It earns:

• No less than 7 miles per greenback spent on United purchases (tiered earnings based mostly on United elite standing; a minimum of a 9.1% return based mostly on TPG’s July 2025 valuations)
• 5 miles per greenback spent on United Resort 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)

In contrast, the United Membership Enterprise Card earns:

• No less than 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 Lodges and Resorts (6.5% return)
• 1.5 miles per greenback spent on all different purchases (roughly a 2% return)

In case 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 price might assist you rapidly rack up the miles for award flights.

Nonetheless, 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 could be higher for you.

Winner: United Enterprise. It affords 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 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 way of the MileagePlus program.

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

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

If what you are promoting purchases are typically within the bonus classes the United Enterprise Card affords, its elevated incomes charges may also help you rake in miles. Then again, when you repeatedly journey with United, you may probably favor 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.

The right way to improve from the 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 in case you have the United Enterprise Card, you may improve to the United Membership Enterprise Card by calling Chase customer support.

Nonetheless, 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 when 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 new candidates.

Though its annual payment is dramatically increased, the advantages of the United Membership Enterprise greater than make up for the hefty payment for these in a position to maximize them.

Earlier than making use of for both card, map what you are promoting bills, decide how usually you fly with United and choose the suitable card to enhance what you are promoting bills and redemption aspirations.

To study 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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