The United Club Business card is built for frequent business travelers who rely on United Airlines and prioritize airport lounge access during work trips. It combines a full United Club membership with targeted statement credits and business travel protections to help offset its premium fee.
All information about United Club℠ Business has been collected independently by MaxRewards. United Club℠ Business is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Frequent United lounge access
Business travel and rideshare expenses
Hotel and rental car status upgrades
For business owners who fly United regularly, the annual fee is easily justified by the included United Club membership, which costs more on its own than the card's $695 annual fee. Added travel perks, such as primary rental car insurance for business trips, priority airport services, and annual rideshare statement credits, make business travel both smoother and less costly.
However, if your business does not regularly use United or rarely needs lounge access, the high annual fee is tough to justify. While 2x miles on gas, dining, and office supplies helps accumulate miles, spenders who prioritize flexible point currencies can find higher earning rates elsewhere for a lower fee.
This card is an excellent fit for dedicated United flyers who want lounge access and elevated travel privileges, though it offers limited value if you prefer flexible rewards or split your travel across multiple airlines.
Earning
You earn 2x United MileagePlus miles across key business spending categories, including gas, dining, office supply stores, transit, and direct United purchases.
Dining
Gas
Office Supply
Transit
United Air
Everywhere
Rewards percent based on a valuation of 1.3¢ per MileagePlus mile
Annual Credits & Perks
The card features a wide range of travel credits, priority airport privileges, and elite partner statuses designed to offset the annual fee for frequent business flyers.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
Up to $200 in credit on JSX purchasesBenefits
5,000-mile better-together anniversary bonus
You'll receive 5,000 bonus miles each year on your United Club℠ Business Card anniversary when you have both the United Club Business card and a personal Chase United credit card.
25% back on United inflight and Club premium drink purchases
Enjoy 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flights as well as on premium drink purchases at United Clubs when you pay with your United card.
Benefits
Auto Rental Coverage
Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
Baggage Delay Insurance
Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
Lost Luggage Reimbursement
Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
Trip Delay Reimbursement
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.
Travel Accident Insurance
When you pay for your air, bus, train, or cruise transportation with your card, you are eligible to receive up to $500,000 in accidental death or dismemberment coverage.
Benefits
Premier Access® Travel Services
Start your journey stress-free by avoiding long lines and getting early access to overhead bins. Priority check-in, security screening, boarding and baggage handling privileges (where available).
Complimentary Instacart+ Membership
Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and terms apply. Benefits end 12/31/27.
IHG® One Rewards Platinum Elite Status
As the primary cardmember, you’re eligible for Platinum Elite Status in IHG Rewards.
Earn United Club All Access membership
Unlock All Access membership as a Cardmember after reaching Premier Gold status or by spending $50,000 on purchases each calendar year with your United card.
Complimentary DashPass membership
$0 delivery fees on eligible orders from DoorDash and Caviar after activating by 12/31/27.
Benefits
Avis President's Club®
Primary Club Business Cardmembers are invited to enroll in Avis President's Club at united.com/AvisChaseBenefit.Benefits include:Guaranteed rental car availability - qualifying United MileagePlus® members and Cardmembers who are enrolled in Avis President's Club are guaranteed a vehicle as long as they have made a reservation 24 hours in advance of rental checkout, up to a full-size 4-door vehicle. Complimentary two-car class upgrades - qualifying United MileagePlus members and Cardmembers who are enrolled in Avis President's Club will receive a complimentary two-car class upgrade based on availability. Customers must rent an intermediate (group C) vehicle or larger in order to qualify for an upgrade. Offered at participating Avis locations in the U.S, Canada, Europe, Australia and New Zealand.Expedited Service - Go straight to your car and drive off at Avis Preferred locations around the world. Dedicated 24/7 number for customer support
Complimentary Premier® upgrades on award tickets
The primary Cardmember who is also a MileagePlus® Premier® member and traveling on a MileagePlus award ticket and one companion will be eligible for Complimentary Premier Upgrades on select United®-operated flights (when available). Visit united.com/Upgrades for details.
Eligibility
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$695
Purchase APR
19.99% - 28.49%
Variable
Transfer APR
19.99% - 28.49%
Variable
Cash Advance APR
28.74%
Variable
Foreign Transaction Fee
None
Balance Transfer
$5 or 5%
Cash Advance
$15 or 5%
Late Payment
$40
Return Payment
$40
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
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Earn 200,000 bonus points
Worth $3,000
After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
Annual Fee
$795
Rec. Credit
Good
115,000 Points
Worth $1,610
After you spend $4,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$195
Rec. Credit
Excellent
Earn 100,000 bonus points
Worth $1,500
After you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$795
Rec. Credit
Excellent
