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Side-by-side

United Club Business Card vs Navy Federal More Rewards American Express Card

Both are well-respected travel cards. The United Club Business Card comes from Chase at $695/yr; the Navy Federal More Rewards American Express Card from Navy Federal Credit Union 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 Navy Federal More Rewards American Express Card's. Get the United Club Business Card first; revisit the Navy Federal More Rewards American Express Card after you've earned that bonus.

FeatureUnited Club Business CardNavy Federal More Rewards American Express Card
Annual fee$695$0
Sign-up bonus100,000 miles + 2,000 PQP20,000 points ($200 value)
Bonus value (est.)$1,500$200
Min spend to unlock bonus$5,000 in 3 mo$2,000 in 3 mo
IssuerChaseNavy Federal Credit Union
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
    Navy Federal More Rewards American Express Card
    $0/yr · 20,000 points ($200 value)

    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: Navy Federal More Rewards American Express Card

    Common questions

    Which card has the bigger sign-up bonus, United Club Business Card or Navy Federal More Rewards American Express Card?
    The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus 20,000 points ($200 value) (~$200) on the Navy Federal More Rewards American Express Card.
    Is the United Club Business Card's $695 annual fee worth it compared to the Navy Federal More Rewards American Express 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 Navy Federal More Rewards American Express Card at $0/yr trades some perks for a lower commitment.
    Can I have both the United Club Business Card and Navy Federal More Rewards American Express Card?
    Yes, since they're from different issuers (Chase and Navy Federal Credit Union) 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 Navy Federal More Rewards American Express 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. Navy Federal More Rewards American Express Card: $2,000 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.