MaxRewards Logo
  • Home
Sign InSign Up
MaxRewards Logo

Join over 900,000 members maximizing their rewards

Download on Google PlayDownload on the App Store
  • Facebook
  • Instagram
  • TikTok
  • LinkedIn
App
  • Best Card
  • Offers
  • Benefits
  • Insights
  • Aggregation
  • Platinum
Resources
  • About
  • Changelog
  • Careers
  • Help Center
  • Contact Us
Travel & Perks
  • Best Travel Credit Cards
  • Best Premium Credit Cards
  • Best Airline Credit Cards
  • Best Hotel Credit Cards
  • Best Welcome Offer Credit Cards
Everyday Rewards
  • Best Cash Back Credit Cards
  • Best Restaurants Credit Cards
  • Best Groceries Credit Cards
  • Best Gas & EV Credit Cards
  • Best No-Annual-Fee Credit Cards
Credit & Needs
  • Best Beginner Credit Cards
  • Best Student Credit Cards
  • Best Business Credit Cards

© 2026 MaxRewards. All Rights Reserved.

Terms & ConditionsPrivacy Policy
  1. Credit Cards
  2. United Club℠ Business
Chase

United Club℠ Business

The United Club Business card is tailored for business owners who frequently fly with United Airlines and want full access to airport lounges. It operates as a dedicated travel management card, pairing premium airport privileges with targeted spending categories to elevate business travel.

Welcome Offer
110,000 Miles
Annual Fee
$695
Rec. Credit Score
Excellent
Good For
Frequent United business travelers
Estimate your value
United Club℠ Business

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

Is the United Club℠ Business worth it?

This card is great for...

United Club lounge access

Frequent business travel

Rideshare and car rental credits

For business owners who fly United regularly, the $695 annual fee is easily offset by the included United Club membership, which costs more on its own than the card's annual fee. Value is further amplified by airport benefits like Premier Access priority check-in and security, two free checked bags, primary auto rental insurance, and annual credits for rideshares, JSX flights, and car rentals.

If your business trips do not depend heavily on United, or if airport lounge access is not a priority, this card is harder to justify. The earnings rate of 2x miles in common categories like dining, gas, transit, and office supplies is solid for building MileagePlus balances, but businesses with flexible airline needs will get broader value from general travel rewards cards.

MaxRewards

MaxRewards Verdict

An exceptional pick for frequent United travelers who want unlimited lounge access and airport privileges, though it holds little appeal for businesses with mixed airline loyalty.

Welcome Offer

110,000 Miles

after you spend $5,000 on purchases on your new card in your first 3 months of card membership.

Est. Value

$1,430

Required Spend

$5,000

Time Frame

3 Months

Est. Value

$1,430

Required Spend

$5,000

Time Frame

3 Months

Earning

Rewards

Earn MileagePlus miles directly on business expenditures, with boosted rates on United purchases, transit, gas, dining, and office supply stores.

CategoryRate

Dining

2.6%

Gas

2.6%

Office Supply

2.6%

Transit

2.6%

United Air

2.6%

Everywhere

1.3%

Rewards percent based on a valuation of 1.3¢ per MileagePlus mile

Annual Credits & Perks

Benefits

A strong list of annual statement credits, lounge memberships, and elevated elite status perks helps directly offset the card's annual fee.

BenefitAnnual value
$240
$200
$144
$50

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
United Club℠ BusinessUp to $200 in credit on JSX purchases
Autotracked
$0 of $200

Benefits

Credits

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

Insurance

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

Status & Access

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

Other

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

Recommended Minimum Credit

Min: Excellent
Poor
Fair
Good
Excellent

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

Rates & Fees

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

For rates and fees of United Club℠ Business, please visit the Chase website.

Table of Contents

United Club℠ Business

United Club℠ Business

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Other cards from Chase

See all 46 cards
Sapphire Reserve for Business℠Sapphire Reserve for Business℠
Limited Time Offer

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.

  • 7.5%12%Airline Tickets (Chase Travel), Hotels (Including The Edit) (Chase Travel), Car Rentals (Chase Travel), Cruises (Chase Travel), Activities and Tours (Chase Travel)
  • 7.5%7.5%Lyft Rides
  • 7.5%6%Flights (Booked Direct), Hotels (Booked Direct)

Annual Fee

$795

Rec. Credit

Good

View card details
Air Canada Aeroplan®Air Canada Aeroplan®

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.

  • 7.5%1.4%Everywhere

Annual Fee

$195

Rec. Credit

Excellent

View card details
Chase Sapphire Reserve®Chase Sapphire Reserve®

Earn 100,000 bonus points

Worth $1,500

After you spend $6,000 on purchases in the first 3 months from account opening.

  • 7.5%12%Purchases (Chase Travel), The Edit (Chase Travel)
  • 7.5%6%Flights (Booked Direct), Hotels (Booked Direct)
  • 7.5%4.5%Dining (Worldwide)

Annual Fee

$795

Rec. Credit

Excellent

View card details