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Side-by-side

United Club Business Card vs Petal 2 Cash Back, No Fees Visa

Both are well-respected travel cards. The United Club Business Card comes from Chase at $695/yr; the Petal 2 Cash Back, No Fees Visa from Petal 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 Petal 2 Cash Back, No Fees Visa's. Get the United Club Business Card first; revisit the Petal 2 Cash Back, No Fees Visa after you've earned that bonus.

FeatureUnited Club Business CardPetal 2 Cash Back, No Fees Visa
Annual fee$695$0
Sign-up bonus100,000 miles + 2,000 PQPNone
Bonus value (est.)$1,500$0
Min spend to unlock bonus$5,000 in 3 mo$0 in 0 mo
IssuerChasePetal
Card categorybusinesscredit-builder
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
    Petal 2 Cash Back, No Fees Visa
    $0/yr · None

    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: Petal 2 Cash Back, No Fees Visa

    Common questions

    Which card has the bigger sign-up bonus, United Club Business Card or Petal 2 Cash Back, No Fees Visa?
    The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus None (~$0) on the Petal 2 Cash Back, No Fees Visa.
    Is the United Club Business Card's $695 annual fee worth it compared to the Petal 2 Cash Back, No Fees Visa?
    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 Petal 2 Cash Back, No Fees Visa at $0/yr trades some perks for a lower commitment.
    Can I have both the United Club Business Card and Petal 2 Cash Back, No Fees Visa?
    Yes, since they're from different issuers (Chase and Petal) 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 Petal 2 Cash Back, No Fees Visa first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. United Club Business Card: $5,000 spend in 3 months. Petal 2 Cash Back, No Fees Visa: $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.