This card is built for business owners who fly United often enough to use airport lounge access and airline-specific travel perks throughout the year. It is much more of a United loyalty card than an everyday business spender card, with most of its value tied to the travel experience rather than its earning rates.
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
United Club lounge access
United airport perks
Business travel protections
For a business traveler who regularly flies United, the United Club Business can justify its $695 annual fee surprisingly well. The core appeal is the travel experience: United Club membership, Premier Access services, free checked bag benefits if applicable through United card perks, and useful protections when trips do not go smoothly. Add in the rideshare, Instacart, JSX, and rental car credits, and the card can return a meaningful chunk of the fee if those fit your normal spending.
Where this card falls short is rewards earning. Earning 2x miles on United, dining, gas, transit, and office supplies is fine, but not strong enough to make this a go-to business card for most spending. If you want a card that drives the most value from everyday expenses, this is not the one. It makes the most sense for a business owner who wants United lounge access and United-specific perks first, and treats the rewards rates as secondary.
This is a strong fit for business owners loyal to United who will get regular use from lounge access and airline travel perks. If you are not flying United often, the annual fee is hard to defend because the earning rates are only average.
Welcome Offer
after you spend $5,000 on purchases on your new card in your first 3 months of card membership.
Est. Value
$1,100
Required Spend
$5,000
Time Frame
3 Months
Est. Value
$1,100
Required Spend
$5,000
Time Frame
3 Months
Earning
MileagePlus miles are the focus here, but this card is not built around high-category earning. Think of the rewards structure as a modest way to pick up extra United miles on common business and travel purchases while the real value comes from the card's travel benefits.
Dining
Gas
Office Supply
Transit
United Air
Everywhere
Rewards percent based on a valuation of 1¢ per MileagePlus mile
Annual Credits & Perks
The benefits are what decide whether this card makes sense. Look closely at the lounge access, United airport perks, travel protections, and annual credits, because those are the features most likely to offset the annual fee.
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.
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.
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.
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
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.
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.
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
19.74% - 28.24%
Variable
Transfer APR
19.74% - 28.24%
Variable
Cash Advance APR
28.49%
Variable
Foreign Transaction Fee
None
Balance Transfer
$5
Cash Advance
$15
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.
Earn 200,000 bonus points
Worth $2,500
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
Earn 100,000 bonus points
Worth $1,250
After you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$795
Rec. Credit
Excellent
Earn 100,000 bonus points
Worth $1,250
After you spend $8,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Rec. Credit
Good
