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Side-by-side

United Club Business Card vs Coinbase Card

Both are well-respected travel cards. The United Club Business Card comes from Chase at $695/yr; the Coinbase Card from Coinbase / Visa 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 ($1,500 more in estimated value) than the Coinbase Card's. Get the United Club Business Card first; revisit the Coinbase Card after you've earned that bonus.

FeatureUnited Club Business CardCoinbase Card
Annual fee$695$0
Sign-up bonus100,000 miles + 2,000 PQP
Bonus value (est.)$1,500-
Min spend to unlock bonus$5,000 in 3 mo-
IssuerChaseCoinbase / Visa
Card categorybusinesscashback
Best earning category (United)2x1x
Transfer partnersNoneNone
Headline benefits
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
    Read the full review
    United Club Business Card
    $695/yr · 100,000 miles + 2,000 PQP
    Read the full review
    Coinbase Card
    $0/yr ·

    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: Coinbase Card

    Common questions

    Which card has the bigger sign-up bonus, United Club Business Card or Coinbase Card?
    The United Club Business Card has a public bonus (100,000 miles + 2,000 PQP, worth roughly $1,500), while the Coinbase Card doesn't advertise one right now.
    Is the United Club Business Card's $695 annual fee worth it compared to the Coinbase Card?
    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 Coinbase Card at $0/yr trades some perks for a lower commitment.
    Can I have both the United Club Business Card and Coinbase Card?
    Yes, since they're from different issuers (Chase and Coinbase / Visa) 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 Coinbase Card first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. United Club Business Card: $5,000 spend in 3 months. Coinbase Card: no published min spend. 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.