Card comparison
Which card is better between Aeroplan Card and United Club℠ Business Card?
Aeroplan Card is the better overall pick over United Club℠ Business Card because it leads on Madeen's weighted scorecard (51 vs 49) across categories, bonus, benefits, and fee.
Effective rate Aeroplan Card
Annual fee Aeroplan Card
Welcome bonus United Club℠ Business Card
Benefits value United Club℠ Business Card
Aeroplan Card is the stronger overall pick between Aeroplan Card and United Club℠ Business Card because it leads on Madeen's weighted scorecard (51 vs 49) across categories, bonus, benefits, and fee. Aeroplan Card (4.5% top effective rate) vs United Club℠ Business Card (1.8%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
Choose A if
Choose Aeroplan Card when its strongest categories, bonus, or perks match how you actually spend.
Choose B if
Choose United Club℠ Business Card when the fee, welcome bonus, or issuer ecosystem fits better than the headline winner.
Full comparison
How do Aeroplan Card and United Club℠ Business Card compare across all spend categories?
Across all five spend categories, Aeroplan Card and United Club℠ Business Card trade wins row by row. Aeroplan Card peaks at 4.5% effective; United Club℠ Business Card peaks at 1.8%. Aeroplan Card wins the headline effective-rate view in this pair.
| Category / metric | Aeroplan Card | United Club℠ Business Card | Winner |
|---|---|---|---|
| Dining | 3x miles (4.5%) | 1.5x miles (1.8%) | Aeroplan Card · 2.7 pts |
| Grocery | 3x miles (4.5%) | 1.5x miles (1.8%) | Aeroplan Card · 2.7 pts |
| Gas | 1x miles (1.5%) | 1.5x miles (1.8%) | United Club℠ Business Card · 0.3 pts |
| Travel | 1x miles (1.5%) | 1.5x miles (1.8%) | United Club℠ Business Card · 0.3 pts |
| Other | 1x miles (1.5%) | 1.5x miles (1.8%) | United Club℠ Business Card · 0.3 pts |
| Welcome bonus | ~$1125 estimated | ~$1320 estimated | United Club℠ Business Card |
| Est. annual benefits | $23425/yr | $59944/yr | United Club℠ Business Card |
| Annual fee | $95 | $695 | Aeroplan Card |
| Holistic overall | 51 pts (cat 22, bonus 9, benefits 7, fee 13) | 49 pts (cat 18, bonus 11, benefits 18, fee 2) | Aeroplan Card |
Madeen take
How to think about this pair
Aeroplan Card (4.5% top effective rate) vs United Club℠ Business Card (1.8%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
Strategy
Use Aeroplan Card when Best for spenders who put meaningful volume in dining and can earn 3x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.. Use United Club℠ Business Card when Best for spenders who put meaningful volume in dining and can earn 1.5x miles. The welcome bonus can help if you can meet the spend.
Hold both?
Many Chase users can hold both cards if each covers a different spend lane and the combined annual fees still clear your break-even math.
Welcome bonus playbook
If you are chasing a welcome bonus, United Club℠ Business Card leads on catalog bonus value. For long-term category earn after the bonus, Aeroplan Card is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Madeen analysis
Which card has stronger benefits: Aeroplan Card or United Club℠ Business Card?
Madeen estimates $23425 annual benefit value on Aeroplan Card versus $59944 on United Club℠ Business Card. Credits only matter if you will use them.
Aeroplan Card
Total est. value: $23,425/yr
Credits and perks only help if you will actually use them in a typical year.
- Purchase Protection $10,000/yr
- Trip Cancellation/Trip Interruption Insurance $5,000/yr
- DoorDash $3,600/yr
- Lyft $1,440/yr
- Up to $120 in Instacart credits $1,440/yr
United Club℠ Business Card
Total est. value: $59,944/yr
Credits and perks only help if you will actually use them in a typical year.
- Extended Warranty Protection $10,000/yr
- Purchase Protection $10,000/yr
- Purchase Security and Extended Protection $10,000/yr
- Trip Cancellation/Interruption Insurance $10,000/yr
- DoorDash $3,600/yr
Welcome bonus
Which welcome bonus is stronger for Aeroplan Card or United Club℠ Business Card?
If you are chasing a welcome bonus, United Club℠ Business Card leads on catalog bonus value. For long-term category earn after the bonus, Aeroplan Card is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend. Aeroplan Card lists 75k Aeroplan Loyalty Program; United Club℠ Business Card lists 110k United MileagePlus.
Aeroplan Card
75k Aeroplan Loyalty Program
United Club℠ Business Card
110k United MileagePlus
Caps & conditions
Caps and earn limits
Aeroplan Card has catalog caps that can change the winner on heavy category spend, while United Club℠ Business Card looks cleaner on cap structure in this snapshot.
Aeroplan Card
- 3x points for each dollar spent on dining at restaurants including takeout and eligible delivery services
- 3x points for each dollar spent at grocery stores
Who should pick which
Scenario playbook
Cashback-first user
Pick Aeroplan Card
Aeroplan Card is the better cashback-style pick because it has the cleaner effective-rate and fee blend for this pair.
Travel & points user
Pick Aeroplan Card
Aeroplan Card is the stronger travel-style pick because it combines better reward value with more travel-friendly positioning.
No annual fee priority
Pick Aeroplan Card
Aeroplan Card is easier to keep for no-fee users because it has the lighter annual-fee burden in this pair.
Heavy dining spend
Pick Aeroplan Card
For restaurant and dining-coded spend, the winner is whoever posts the stronger dining effective rate after caps and exclusions — see the category matrix for the current snapshot.
Heavy grocery spend
Pick Aeroplan Card
Supermarket and grocery coding can differ from superstores and delivery, so compare the grocery row before you optimize a weekly shopping basket.
Welcome bonus chaser
Pick United Club℠ Business Card
If you are chasing a welcome bonus, United Club℠ Business Card leads on catalog bonus value. For long-term category earn after the bonus, Aeroplan Card is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Fee-sensitive keeper
Pick Aeroplan Card
When you want the card that is easiest to keep year two, annual fee often matters more than a narrow category edge.
Decision guide
Which card is better between Aeroplan Card and United Club℠ Business Card?
Aeroplan Card is the better overall pick because it leads on Madeen's weighted scorecard (51 vs 49) across categories, bonus, benefits, and fee. Aeroplan Card (4.5% top effective rate) vs United Club℠ Business Card (1.8%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
When should you pick Aeroplan Card over United Club℠ Business Card?
Choose Aeroplan Card if Best for spenders who put meaningful volume in dining and can earn 3x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.. Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying.
Strengths
- Strongest Madeen category is dining at about 4.5% effective (3x miles).
- That dining rate ranks higher than about 100% of cards we track in the category.
- No foreign transaction fee listed.
Tradeoffs
- $95 annual fee requires enough spend in bonus categories to offset.
- Aeroplan Loyalty Program value depends on how you redeem, not straight cash back.
When should you pick United Club℠ Business Card over Aeroplan Card?
Choose United Club℠ Business Card if Best for spenders who put meaningful volume in dining and can earn 1.5x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.. Worth a look for dining spend if you need a business card and can use United MileagePlus the way you redeem today.
Strengths
- Strongest Madeen category is dining at about 1.8% effective (1.5x miles).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Tradeoffs
- $695 annual fee requires enough spend in bonus categories to offset.
- United MileagePlus value depends on how you redeem, not straight cash back.
Common questions about Aeroplan Card vs United Club℠ Business Card
Which card is better between Aeroplan Card and United Club℠ Business Card?
Aeroplan Card is the stronger overall fit because it leads on Madeen's weighted scorecard (51 vs 49) across categories, bonus, benefits, and fee. The overall winner depends on your spend mix — use the scorecard rows and scenario playbook to see where each card actually wins.
Which card wins on dining: Aeroplan Card or United Club℠ Business Card?
Aeroplan Card leads dining at 4.5% effective versus 1.8%.
Which card is better for cashback users: Aeroplan Card or United Club℠ Business Card?
Aeroplan Card is the better cashback-style pick between Aeroplan Card and United Club℠ Business Card.
Which welcome bonus is stronger between Aeroplan Card and United Club℠ Business Card?
If you are chasing a welcome bonus, United Club℠ Business Card leads on catalog bonus value. For long-term category earn after the bonus, Aeroplan Card is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Which card has stronger benefits: Aeroplan Card or United Club℠ Business Card?
United Club℠ Business Card leads on estimated annual benefit value in the Madeen snapshot.
Which card has the lower annual fee: Aeroplan Card or United Club℠ Business Card?
Aeroplan Card has the simpler fee story in this pair ($95 vs $695). Annual fee only wins if you use the rewards and credits that justify it.
Is Aeroplan Card or United Club℠ Business Card better for travel spend?
Aeroplan Card is the stronger travel-style pick between Aeroplan Card and United Club℠ Business Card in this snapshot.
Can you hold both Chase cards?
Yes, many people can hold both Chase cards when each covers a different spend lane and the combined fees still make sense.
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Reviewed by Madeen editorial review
Catalog snapshot 2026-05-01
Updated 2026-06-25
Content tier Premium depth
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