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Side-by-side

United Club Business Card vs Upgrade Triple Cash Rewards Visa

Both are well-respected travel cards. The United Club Business Card comes from Chase at $695/yr; the Upgrade Triple Cash Rewards Visa from Upgrade 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 Upgrade Triple Cash Rewards Visa's. Get the United Club Business Card first; revisit the Upgrade Triple Cash Rewards Visa after you've earned that bonus.

FeatureUnited Club Business CardUpgrade Triple Cash Rewards Visa
Annual fee$695$0
Sign-up bonus100,000 miles + 2,000 PQP$200 statement bonus
Bonus value (est.)$1,500$200
Min spend to unlock bonus$5,000 in 3 mo$0 in 2 mo
IssuerChaseUpgrade
Card categorybusinesscash-back
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
    Upgrade Triple Cash Rewards Visa
    $0/yr · $200 statement 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: Upgrade Triple Cash Rewards Visa

    Common questions

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