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Side-by-side

United Club Business Card vs Mastercard Titanium Card

Both are well-respected travel cards. The United Club Business Card comes from Chase at $695/yr; the Mastercard Titanium Card from Barclays (Luxury Card) at $299/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 Mastercard Titanium Card's. Get the United Club Business Card first; revisit the Mastercard Titanium Card after you've earned that bonus.

FeatureUnited Club Business CardMastercard Titanium Card
Annual fee$695$299
Sign-up bonus100,000 miles + 2,000 PQPNo public welcome bonus
Bonus value (est.)$1,500$0
Min spend to unlock bonus$5,000 in 3 mo$0 in 0 mo
IssuerChaseBarclays (Luxury Card)
Card categorybusinesstravel
Best earning category (United)2x1x
Transfer partnersNoneNone
Headline benefits
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
  • Priority Pass Select ($469 value)
  • 2x airfare and hotels via LuxuryCardTravel
  • 24/7 Concierge
  • No foreign transaction fees
Read the full review
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP
Read the full review
Mastercard Titanium Card
$299/yr · No public welcome bonus

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: Mastercard Titanium Card

The entry tier of the Barclays Luxury Card lineup. The $299 AF buys Priority Pass Select and a real metal card, but earning is weak (1x base, 2x on Luxury Card Travel bookings) and the cash-back redemption rate is only 1 cent per point. Better only as a status-and-lounge play for people who do not want to carry a Sapphire Reserve or Venture X.

Common questions

Which card has the bigger sign-up bonus, United Club Business Card or Mastercard Titanium Card?
The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus No public welcome bonus (~$0) on the Mastercard Titanium Card.
Is the United Club Business Card's $695 annual fee worth it compared to the Mastercard Titanium 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 Mastercard Titanium Card at $299/yr trades some perks for a lower commitment.
Can I have both the United Club Business Card and Mastercard Titanium Card?
Yes, since they're from different issuers (Chase and Barclays (Luxury Card)) 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 Mastercard Titanium 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. Mastercard Titanium Card: $0 in 0 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.