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Side-by-side

TAP Miles and Go American Express Card vs United Club Business Card

Both are well-respected travel cards. The TAP Miles and Go American Express Card comes from Cardless at $79/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 TAP Miles and Go American Express Card's. Get the United Club Business Card first; revisit the TAP Miles and Go American Express Card after you've earned that bonus.

FeatureTAP Miles and Go American Express CardUnited Club Business Card
Annual fee$79$695
Sign-up bonus40,000 bonus miles100,000 miles + 2,000 PQP
Bonus value (est.)-$1,500
Min spend to unlock bonus$2,500 in 3 mo$5,000 in 3 mo
IssuerCardlessChase
Card categoryairlinebusiness
Best earning category (Tap_air_portugal)3x1x
Transfer partnersNoneNone
Headline benefits
  • 3x miles on TAP purchases
  • 2 Lisbon lounge passes per year
  • Free extra checked bag
  • Star Alliance redemptions
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
Read the full review
TAP Miles and Go American Express Card
$79/yr · 40,000 bonus miles
Read the full review
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP

Editorial take: TAP Miles and Go American Express Card

The only US co-branded card for a European Star Alliance carrier. Useful if you fly TAP to Lisbon or onward Europe several times a year, since the lounge passes, free extra bag, and Premium Boarding can each be worth more than the $79 annual fee on a single transatlantic trip.

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, TAP Miles and Go American Express Card 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 TAP Miles and Go American Express Card doesn't advertise one right now.
Is the TAP Miles and Go American Express Card's $79 annual fee worth it compared to the United Club Business Card?
At $79/yr, the TAP Miles and Go American Express Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the United Club Business Card's, pick the one whose perks you'll actually use.
Can I have both the TAP Miles and Go American Express Card and United Club Business Card?
Yes, since they're from different issuers (Cardless 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 TAP Miles and Go American Express Card or the United Club Business Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. TAP Miles and Go American Express Card: $2,500 spend in 3 months. 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.