Chase United Club Business Card

Is the annual fee worth it?

It earns about $476 a year on the illustrative household's spending, which is −$219 once the fee is paid. The best card with no fee, American Express Blue Business Plus, nets $1,058 on the same spending — so this card is $1,277 a year behind. On earning alone it does not catch up at any level of spending this looks at — its credits and perks have to make up the difference, or the fee is not paying for itself.

Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.

Where a year's rewards come from

Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.

What the issuer lists besides rewards

• 5 miles a dollar on Renowned Hotels and Resorts stays booked through Chase Travel

Similar cards

• Citi AAdvantage Executive — annual fee $695 a year
• Chase United Club Card — annual fee $695 a year
• American Express Delta SkyMiles Reserve — annual fee $650 a year
• American Express Delta SkyMiles Reserve Business Card — annual fee $650 a year
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