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Side-by-side

United Club Business Card vs Citi Double Cash

Both are well-respected travel cards. The United Club Business Card comes from Chase at $695/yr; the Citi Double Cash from Citi at $0/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 ($1,300 more in estimated value) than the Citi Double Cash's. Get the United Club Business Card first; revisit the Citi Double Cash after you've earned that bonus.

FeatureUnited Club Business CardCiti Double Cash
Annual fee$695$0
Sign-up bonus100,000 miles + 2,000 PQP$200 cash back
Bonus value (est.)$1,500$200
Min spend to unlock bonus$5,000 in 3 mo$1,500 in 6 mo
IssuerChaseCiti
Card categorybusinesscashback
Best earning category (United)2x1x
Transfer partnersNoneciti-ty
Headline benefits
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
  • 2% everywhere
  • No annual fee
  • Pairs with TY Premier
  • Simple earning
Read the full review
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP
Read the full review
Citi Double Cash
$0/yr · $200 cash back

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.

Editorial take: Citi Double Cash

The OG flat 2% card. Pairs with Custom Cash + Premier to form Citi's trifecta, turns your combined cash back into transferable ThankYou Points. Rock solid for non-bonus spend.

Common questions

Which card has the bigger sign-up bonus, United Club Business Card or Citi Double Cash?
The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus $200 cash back (~$200) on the Citi Double Cash.
Is the United Club Business Card's $695 annual fee worth it compared to the Citi Double Cash?
Premium cards like the United Club Business Card ($695/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $695+ of those credits, the math works. The Citi Double Cash at $0/yr trades some perks for a lower commitment.
Can I have both the United Club Business Card and Citi Double Cash?
Yes, since they're from different issuers (Chase and Citi) 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 United Club Business Card or the Citi Double Cash first?
Get the one whose sign-up bonus you can hit comfortably without overspending. United Club Business Card: $5,000 spend in 3 months. Citi Double Cash: $1,500 in 6 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.