United℠ Business Card vs Costco Anywhere Visa Business Card by Citi

Side-by-side comparison of United℠ Business Card and Costco Anywhere Visa Business Card by Citi. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	United℠ Business Card	Costco Anywhere Visa Business Card by Citi
Issuer	Chase	Citi
Network	Visa	Visa
Card Material	Plastic	Plastic
Annual Fee	$99.00	$0.00
Base Rate	1.00%	1.00%
Travel Rewards	2.00x	3.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Airline	2.0%	1.0% (base)
Restaurants	2.0%	3.0%
Gas Stations	2.0%	1.0% (base)
Transit & Rideshare	2.0%	1.0% (base)
Office Supplies	2.0%	1.0% (base)
Eligible gas and EV charging purchases (up to $7K per year)	1.0% (base)	4.0%
Travel	1.0% (base)	3.0%
Costco and Costco.com purchases	1.0% (base)	2.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	12.99% - 21.49%	20.49% - 20.49%
Cash Advance APR	21.74%	29.99%
Penalty APR	23.24%	29.99%
Late Fee	$40	$41
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	✓	Primary (when renting for business purposes)
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	✓	Extends warranty by 24 months
Purchase Protection	120 days	Covered up to $10,000 per item
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard