Thanks for the correction. So the personal Club card cost $525 cash VS. $450 cash for the business, but the personal costs 29,167 miles VS. 30,000 miles for business. However the personal also earns 4x miles on flights VS. 2x on the business. Therefore, since you have to pay for your flights using the card to get free bags, another way to evaluate the cost is you'd need to spend $15,000 on flights to fully pay for the business card VS. only $7,292 on flights to fully pay for the personal version.