United Club Business Credit Card Review
Key Takeaways
The United Club Business Card makes the most sense if you fly United several times per year and regularly travel through airports with a United Club. The complimentary United Club membership (which costs $750 annually) does a lot to offset the high $695 annual fee. You’ll also earn a solid 80,000 (current special 100,000) point bonus, two free checked bags for the cardholder and one companion, plus a variety of statement credits. However, if you rarely use United Clubs or don’t fly United often, the annual fee becomes much harder to justify. Fortunately, United also offers a lower-fee business card and several personal cards that may fit occasional flyers better.
Why This Card Could Be Right For You
The standard 80,000 (current special 100,000) mile bonus comes after $5,000 (currently $5,000) in purchases within the first three months. The welcome offer also includes 2,000 PQPs toward United status. Along with the complimentary United Club membership, the cardholder and one companion receive free first and second checked bags on United-operated flights.
The card also includes several statement credits that help offset the high annual fee:
- $200 annual hotel credit on prepaid stays through Renowned Hotels and Resorts
- $12 monthly rideshare credit ($18 in December)
- $100 annual Avis or Budget credit (split into two $50 credits)
- Two $10 Instacart credits each month
- $200 annual JSX flight credit
- $50 in annual FareLock credits on United or United Express flights
You’ll also receive Premier Access services, including priority check-in, security screening, boarding, and baggage handling, plus a 25% statement credit on in-flight food, beverages, and Wi-Fi purchases on United-operated flights.
If you’re pursuing status, the card also earns 1 PQP for every $15 spent (up to 28,000 PQPs annually). Cardholders who also have a personal United credit card receive an additional 5,000-mile anniversary bonus.
When The Usual Advice Doesn't Apply
There are times when this card might not be right for you:
- You only fly United once or twice per year, making the card’s benefits insufficient to justify the high annual fee.
- You’re under the 5/24 limit, and one of the many personal United cards fits your needs better.
What to Know About United MileagePlus
United is a solid option for international flights, especially for business class.
- United has ample cards for collecting large sums of points.
- International business class seats can be found for as low as 60,000 points to South America and 80,000 to Europe.
- They’re a partner in our favorite rewards system, making top offs from Chase Ultimate Rewards both easy and a good value.
- United is also a decent option for domestic flights and standard international fares, but we generally use Southwest, American or Delta for those.
- We save our United points for those long international flights where business class is a difference maker.
How The United Club Business Credit Card Fits In The United MileagePlus Ecosystem
The United Club Business Card is best suited for loyal United flyers who travel with the airline several times per year.
For more occasional United travelers, the United Business Card may be the better fit. Because both are business cards, neither counts toward your 5/24 limit.
The United Business Card includes:
- 75,000 mile bonus
- $150 annual fee
- Two annual United Club passes
- Free first checked bag for the cardholder and one companion
- Several travel and statement credits
If your 5/24 status is in good shape, United also offers four personal co-branded cards:
- United Gateway: No annual fee
- United Explorer: $150 annual fee, waived the first year
- United Quest: $350 annual fee
- United Club: $695 annual fee
Each card offers different combinations of welcome bonuses, lounge access, travel credits, and checked bag benefits.
All United cards earn MileagePlus miles, which can also be redeemed on Star Alliance partner airlines. United’s partnership with Chase makes it easy to increase your balance through Ultimate Rewards transfers.
Card Information
Bonus Extra
Differentiating Perks
Card Extras
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Historical Card Offers
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Estimated Next Offer
United Club Business Application Rules
This business card will not show on your personal credit report, so it won't count against your 5/24 status
If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus.
Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months.
You'll be declined if you apply for a third Chase card of any kind within 30 days
Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months
Best for Series
Below is a snapshot of where this card performs best compared to the other cards in our database:
