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Side-by-side
BJ's One Mastercard vs United Club Business Card
Both are well-respected travel cards. The BJ's One Mastercard comes from Capital One at $0/yr; the United Club Business Card from Chase at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the United Club Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,500 more in estimated value) than the BJ's One Mastercard's. Get the United Club Business Card first; revisit the BJ's One Mastercard after you've earned that bonus.
| Feature | BJ's One Mastercard | United Club Business Card |
|---|---|---|
| Annual fee | $0 | $695 |
| Sign-up bonus | 100,000 miles + 2,000 PQP | |
| Bonus value (est.) | - | $1,500 |
| Min spend to unlock bonus | - | $5,000 in 3 mo |
| Issuer | Capital One | Chase |
| Card category | cashback | business |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
BJ's One Mastercard
$0/yr ·
Read the full review
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP
Editorial take: United Club Business Card
Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.
Common questions
- Which card has the bigger sign-up bonus, BJ's One Mastercard or United Club Business Card?
- The United Club Business Card has a public bonus (100,000 miles + 2,000 PQP, worth roughly $1,500), while the BJ's One Mastercard doesn't advertise one right now.
- Is the BJ's One Mastercard's $0 annual fee worth it compared to the United Club Business Card?
- The BJ's One Mastercard has no annual fee, so the question is whether the United Club Business Card's $695 fee is justified by its perks. If you'll use enough of the United Club Business Card's benefits to clear $695 in value annually, it's worth it; otherwise stick with the BJ's One Mastercard.
- Can I have both the BJ's One Mastercard and United Club Business Card?
- Yes, since they're from different issuers (Capital One and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BJ's One Mastercard or the United Club Business Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BJ's One Mastercard: no published min spend. United Club Business Card: $5,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.