United Club Card Business is offering 75,000 points after spending $5000 in 3 months with a $450 annual fee.. That's up 25,000 points over their standard offer of 50,000 points after spending $5000 in 3 months. Offer expires 3/23/25
United Club Business Credit Card Review
Key Takeaways
The United Club Business Card is ideal if you fly United three to four times (or more) per year. The complimentary United Club membership, valued at $750 annually, helps offset the $695 annual fee. Even if you travel on United often, the value of this card goes down if you don’t also frequently travel through airports with a United Club. You’ll also enjoy numerous perks and credits, plus a solid welcome bonus that can be worth a couple short, round trip domestic flights or a single, one-way long haul flight in business. However, if you rarely fly United, the steep fee may not be worth it. Fortunately there is another co-branded United business card with a smaller annual fee (and the same welcome bonus) and four personal United cards to choose from.
Why This Card Could Be Right For You
The regular sign-up bonus for the United Club Business Card is 125,000 miles after $5,000 in purchases within three months. Along with the Club membership, the cardmember and one travel companion receive free first and second checked bags each flight (potentially saving you $360 on a round trip).
Multiple credits help justify the high annual fee. Notable examples include a $12 monthly ride-share credit ($18 in December), a $100 annual credit to Avis or Budget (split into two $50 credits), two $10 Instacart credits each month, and a $200 annual credit on prepaid hotel stays through Renowned Hotels and Resorts.
The card also includes Premier Access travel services (priority check-in, security screening, boarding, and baggage handling), plus a 25% statement credit on in-flight purchases of food, beverages, and Wi-Fi on United-operated flights. Spending multipliers are decent, and if you’re aiming for status, you can earn 1-point (up to 28,000 PQPs annually) for every $15 spent on the card. You’ll also receive a 5,000-mile anniversary bonus if you hold a personal co-branded United card.
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 our favorite point system 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 120,000 points.
- 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 targets a niche group of travelers who fly United multiple times per year. For those who only fly United occasionally, the United Business Card (with a $150 annual fee) might be more appropriate. It offers the same sign-up bonus (125,000 miles, with possible elevated offers up to 125,000), along with two annual United Club passes, a free first checked bag, and other valuable credits.
There are also four personal co-branded United cards: the United Gateway ($0 annual fee), United Explorer ($150 annual fee, waived the first year), United Quest ($350 annual fee), and United Club Card ($695 annual fee). Each comes with unique welcome bonuses, credits, and perks.
All United cards earn United MileagePlus points, which can be used on Star Alliance partner airlines (25 members worldwide). MileagePlus is especially flexible for international travel, and United’s partnership with Chase makes it easy to add to your balance through Ultimate Rewards transfers. Because this is a business card, it doesn’t count toward your 5/24 limit, giving you another option for earning points without affecting your personal credit card status.
Card Information
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 125,000 | $5,000 | 1.3 ¢ | $195 | $695 |
$1190
|
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| Int. Biz Class | United Club Access + Star Alliance lounges, 2 bags free for you & 1 companion | No CR , 5/24 , Chase 2/30 , Chase 4/6 |
Spend Categories
Airfare - »
7X points
9.1¢ Per Dollar Spent
All Other + »
1.5X points
2¢ Per Dollar Spent
Hotels - »
5X points
6.5¢ Per Dollar Spent
Card Benefits
Lounge Access »
Get unlimited access to United Club lounges and Star Alliance when flying United.
Get unlimited access to United Club lounges and Star Alliance when flying United.
Airline Incidentals »
25% back on food, beverage and Wi-Fi purchases onboard United- and United Express-operated flights
25% back on food, beverage and Wi-Fi purchases onboard United- and United Express-operated flights
Car Rental Insurance »
Using this card gives you primary car rental insurance, providing reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.
Using this card gives you primary car rental insurance, providing reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.
Travel Insurance »
Travel accident insurance up to $500,000; trip cancellation insurance up to $10,000 per person; trip delay reimbursement up to $500 per ticket; lost luggage insurance up to $3,000 per trip; baggage delay insurance up to $100 per day for 3 days.
Travel accident insurance up to $500,000; trip cancellation insurance up to $10,000 per person; trip delay reimbursement up to $500 per ticket; lost luggage insurance up to $3,000 per trip; baggage delay insurance up to $100 per day for 3 days.
No Foreign Transaction Fees »
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
Concierge »
Call 1-800-953-7392 to get complimentary assistance making dinner reservations, buying theater tickets, getting travel guides, sending gifts/flowers, and dozens of other specific. requests.
Call 1-800-953-7392 to get complimentary assistance making dinner reservations, buying theater tickets, getting travel guides, sending gifts/flowers, and dozens of other specific. requests.
Free Checked Bag »
You and one traveling companion will each receive 2 free checked bags.
You and one traveling companion will each receive 2 free checked bags.
Purchase Protection »
Your new purchases are covered for 120 days against damage or theft, up to $10,000 per claim, and $50,000 per year.
Your new purchases are covered for 120 days against damage or theft, up to $10,000 per claim, and $50,000 per year.
Extended Warranty »
Eligible warranties of 3 years or less can be extended up to 1 additional year.
Eligible warranties of 3 years or less can be extended up to 1 additional year.
Price Protection »
$500 per item and $2,500 per year when a lower price is found within 90 days of the purchase.
$500 per item and $2,500 per year when a lower price is found within 90 days of the purchase.
Point Transfer Options
Transfer To Spouse/Partner Yes - $$
Transfer To Friends Yes - $$
Travel Partner Transfers
Outside Point System United MileagePlus
Transfers In From
Chase Ultimate Rewards
1:1 81% value retained
Marriott Bonvoy
3:1.1 68% value retained
World of Hyatt
5:2 33% value retained
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
Your application will be declined if 5 new cards are reported on 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
Ranking of Cards Offering United MileagePlus
Breaking Points
February 3, 2025
United Club Card Business
October 11, 2023
United Chase Cards Limited Time Offers
- United Business Card - 75,000 Miles after spending $5000 in 3 months, $99 annual fee.
- United Club Business Card - 75,000 Miles after spending $5000 in 3 months, $450 annual fee, with lot's of extras to off-set the annual fee.
August 11, 2022
Spend Big with United Business Cards - Earn Big
2 New Limited Time offers on United Business Cards:
1. United Business MileagePlus Card - Spend $5000 in 3 months for 75,000 points + another 75,000 points after spending $20,000 in 6 months, that would be 150,000 United points in 6 months - $99/annual fee applies.
2. United Club Business MileagePlus Card - Spend $10,000 in 3 months for 100,000 points - $450/annual fee applies.
March 21, 2022
New Sign Up offers on 2 United Chase Cards
1. United Club Infinite Card has 120,000 bonus offer after spending $6000 in 3 months with a $525 annual fee.
2. United Club Business Card has 100,000 bonus offer after spending $10,000 in the first 3 months with a $450 annual fee.