Bottom Line

The United Club Business card is one of two United-specific business cards on offer that will not count against your 5/24. It's the premier card of the two and is best for those who fly United 3-4x or more per year. The sign-up bonus isn’t the greatest (50k), but it also offers up to 1,000 PQPs if those points can help you achieve United MileagePlus Premier status. The United Club membership is the perk that most will get and keep this card for after the first year, as that alone offers a $650 annual value, offsetting the high $450 annual fee of this card.

Why You Might Want This Card

The current 50,000-point sign-up bonus with a low $5,000 spend in 3 months, in addition to being a business card that doesn’t count against your 5/24, makes the United Club Business card a good choice for anyone who flies United multiple times per year. The biggest perk for keeping this card in your wallet is the United Club membership for you and eligible travel companions, along with 2 free checked bags for the cardholder and one companion. This card also offers 1000 PQPs as part of its sign-up bonus, which is useful if you’re trying to achieve United Mileage Plus Premier status. But United has upped its requirements by about 25% for 2025, so keep that in mind when analyzing which perks are valuable for your situation. The high annual fee of $450 only makes this card valuable for those who fly United multiple times per year.

The United Club business card also offers Premier Access travel services (priority check-in, security screening, boarding, and baggage handling privileges), a 25% statement credit back on purchases of food, beverages, and Wi-FI on board United operated flights, and some decent spending multipliers to round out the perks of this card.

Exceptions To The Rule

Here are some exceptions where the card might not be good for you:

• You only fly United once or twice per year, and the benefits of this card don’t outweigh the high annual fee
• You aren’t close to your 5/24, and one of the many personal United cards fit your needs better

About United MileagePlus

United Airlines MileagePlus is the most flexible rewards program for international flights, especially if you're invested in the Chase ecosystem. They tend to be more available and cost fewer points than Delta or American Airlines. (The biggest exception is Southwest to the Caribbean.)

With a little planning, you can get some fantastic redemption rates. Even if you have the Reserve Card 1.5x multiplier, we usually find better value using United's portal directly. For example, we booked first-class flights to Africa searching the "Business Saver" seats through United and got flights for 80,000 points. That would've cost 250,000 points through the Chase Portal.

Plus, being part of the Star Alliance, points have more flexibility in terms of global destinations, including smaller cities in Asia, Africa and other niche locations. So if you're focusing on international flights and/or Chase transfers, United is a great go-to for flexibility and solid value.

Where United Club Business Fits In This Point Ecosystem

The United Club Business card is for a small sect of people who fly United numerous times per year. The lower-fee ($99 annual fee that is waived the first year) United Business card is better for those who only fly United once or twice per year. Plus there are a wide variety of personal cards that are United specific, so it pays to read about them and decide which ones are best for your situation. All of the United cards earn United MileagePlus points, which can also be used on Star Alliance partner airlines, currently with 25 members around the world. MileagePlus points are the most flexible for international flights, and they are also a Chase partner, so it’s easy to top up with any Chase Ultimate Rewards points. Since this is a business card, it won’t count against your 5/24, giving you another avenue for building points with a Chase partner without compromising your personal card status.

Personal Experience