Editorial take: United Club Infinite Card
Worth it only for frequent United flyers who use the clubs regularly. At $695, you need to visit the club 15+ times a year to break even on lounge access alone.
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Side-by-side
United Club Infinite Card vs Costco Anywhere Visa Business Card by Citi
Both are well-respected travel cards. The United Club Infinite Card comes from Chase at $695/yr; the Costco Anywhere Visa Business Card by Citi from Citi 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 Infinite Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,120 more in estimated value) than the Costco Anywhere Visa Business Card by Citi's. Get the United Club Infinite Card first; revisit the Costco Anywhere Visa Business Card by Citi after you've earned that bonus.
| Feature | United Club Infinite Card | Costco Anywhere Visa Business Card by Citi |
|---|---|---|
| Annual fee | $695 | $0 |
| Sign-up bonus | 80,000 miles (up to 90,000 with authorized user) | No current public welcome offer |
| Bonus value (est.) | $1,120 | - |
| Min spend to unlock bonus | $5,000 in 3 mo | - |
| Issuer | Chase | Citi |
| Card category | travel | |
| Best earning category (United) | 4x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
United Club Infinite Card
$695/yr · 80,000 miles (up to 90,000 with authorized user)
Read the full review
Costco Anywhere Visa Business Card by Citi
$0/yr · No current public welcome offer
Editorial take: Costco Anywhere Visa Business Card by Citi
Common questions
- Which card has the bigger sign-up bonus, United Club Infinite Card or Costco Anywhere Visa Business Card by Citi?
- The United Club Infinite Card has a public bonus (80,000 miles (up to 90,000 with authorized user), worth roughly $1,120), while the Costco Anywhere Visa Business Card by Citi doesn't advertise one right now.
- Is the United Club Infinite Card's $695 annual fee worth it compared to the Costco Anywhere Visa Business Card by Citi?
- Premium cards like the United Club Infinite 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 Costco Anywhere Visa Business Card by Citi at $0/yr trades some perks for a lower commitment.
- Can I have both the United Club Infinite Card and Costco Anywhere Visa Business Card by Citi?
- Yes, since they're from different issuers (Chase and Citi) 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 Infinite Card or the Costco Anywhere Visa Business Card by Citi first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. United Club Infinite Card: $5,000 spend in 3 months. Costco Anywhere Visa Business Card by Citi: no published min spend. 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.