Editorial take: Bilt Mastercard
The only card that earns points on rent with no fees. Pair it with Rent Day on the 1st of each month for bonus earning, then transfer to top partners like Hyatt at 1:1. A must-have for renters.
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Side-by-side
Bilt Mastercard vs United Club Business Card
Both are well-respected travel cards. The Bilt Mastercard comes from Bilt / Wells Fargo at $0/yr; the United Club Business Card from Chase at $695/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 ($1,050 more in estimated value) than the Bilt Mastercard's. Get the United Club Business Card first; revisit the Bilt Mastercard after you've earned that bonus.
| Feature | Bilt Mastercard | United Club Business Card |
|---|---|---|
| Annual fee | $0 | $695 |
| Sign-up bonus | No public offer | 75,000 miles |
| Bonus value (est.) | $0 | $1,050 |
| Min spend to unlock bonus | $0 in 0 mo | $5,000 in 3 mo |
| Issuer | Bilt / Wells Fargo | Chase |
| Card category | travel | business |
| Best earning category (Dining) | 3x | 2x |
| Transfer partners | bilt | mileageplus |
| Headline benefits |
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Read the full review
Bilt Mastercard
$0/yr · No public offer
Read the full review
United Club Business Card
$695/yr · 75,000 miles
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.
Common questions
- Which card has the bigger sign-up bonus, Bilt Mastercard or United Club Business Card?
- The United Club Business Card has the bigger bonus — 75,000 miles, worth roughly $1,050, versus No public offer (~$0) on the Bilt Mastercard.
- Is the Bilt Mastercard's $0 annual fee worth it compared to the United Club Business Card?
- The Bilt Mastercard has no annual fee, so the question is whether the United Club Business Card's $695 fee is justified by its perks. If you'll use enough of the United Club Business Card's benefits to clear $695 in value annually, it's worth it; otherwise stick with the Bilt Mastercard.
- Can I have both the Bilt Mastercard and United Club Business Card?
- Yes, since they're from different issuers (Bilt / Wells Fargo and Chase) 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 Bilt Mastercard or the United Club Business Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard: $0 spend in 0 months. United Club Business Card: $5,000 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.