Editorial take: Chase Aeroplan Credit Card
Aeroplan is one of the best Star Alliance programs for sweet-spot redemptions. This card is a great way to earn Aeroplan miles directly, plus the UR transfer option gives flexibility.
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Side-by-side
Chase Aeroplan Credit Card vs United Club Business Card
Both are well-respected travel cards. The Chase Aeroplan Credit Card comes from Chase at $95/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
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Chase Aeroplan Credit Card | United Club Business Card |
|---|---|---|
| Annual fee | $95 | $695 |
| Sign-up bonus | 75,000 bonus points | 100,000 miles + 2,000 PQP |
| Bonus value (est.) | $1,125 | $1,500 |
| Min spend to unlock bonus | $4,000 in 3 mo | $5,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | travel | business |
| Best earning category (Travel) | 3x | 1x |
| Transfer partners | aeroplan | None |
| Headline benefits |
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Read the full review
Chase Aeroplan Credit Card
$95/yr · 75,000 bonus points
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, Chase Aeroplan Credit Card or United Club Business Card?
- The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus 75,000 bonus points (~$1,125) on the Chase Aeroplan Credit Card.
- Is the Chase Aeroplan Credit Card's $95 annual fee worth it compared to the United Club Business Card?
- At $95/yr, the Chase Aeroplan Credit 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 Chase Aeroplan Credit Card and United Club Business Card?
- Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 Chase Aeroplan Credit Card or the United Club Business Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Aeroplan Credit Card: $4,000 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.