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Side-by-side

United Club Business Card vs Hilton Honors American Express Aspire

Both are well-respected travel cards. The United Club Business Card comes from Chase at $695/yr; the Hilton Honors American Express Aspire from American Express at $550/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 ($625 more in estimated value) than the Hilton Honors American Express Aspire's. Get the United Club Business Card first; revisit the Hilton Honors American Express Aspire after you've earned that bonus.

FeatureUnited Club Business CardHilton Honors American Express Aspire
Annual fee$695$550
Sign-up bonus100,000 miles + 2,000 PQP175,000 points
Bonus value (est.)$1,500$875
Min spend to unlock bonus$5,000 in 3 mo$6,000 in 6 mo
IssuerChaseAmerican Express
Card categorybusinesshotel
Best earning category (United)2x1x
Transfer partnersNoneNone
Headline benefits
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
  • Automatic Diamond status
  • Free Night Reward after $30k spend (2nd at $60k)
  • $400 resort credit + $200 flight credit
  • $209 CLEAR + $100 Conrad/Waldorf
Read the full review
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP
Read the full review
Hilton Honors American Express Aspire
$550/yr · 175,000 points

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: Hilton Honors American Express Aspire

Pretty much a no-brainer if you stay at Hilton hotels. The $550 annual fee pays for itself with just the free night reward alone, which can be used at any standard room property, even $1,000+ per night hotels.

Common questions

Which card has the bigger sign-up bonus, United Club Business Card or Hilton Honors American Express Aspire?
The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus 175,000 points (~$875) on the Hilton Honors American Express Aspire.
Is the United Club Business Card's $695 annual fee worth it compared to the Hilton Honors American Express Aspire?
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 Hilton Honors American Express Aspire at $550/yr trades some perks for a lower commitment.
Can I have both the United Club Business Card and Hilton Honors American Express Aspire?
Yes, since they're from different issuers (Chase and American Express) 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 Hilton Honors American Express Aspire first?
Get the one whose sign-up bonus you can hit comfortably without overspending. United Club Business Card: $5,000 spend in 3 months. Hilton Honors American Express Aspire: $6,000 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.