Chase
United ClubSM Business Card
Key Features
| Annual Fee | $695.00 |
| Sign-up Bonus | Up to 110,000 miles + 2,000 PQP |
| Rewards Rate | 1.5x-8x Miles |
| Regular APR | APR 19.74Min. of (6.75+12.99) and 29.99%–28.24Min. of (6.75+21.49) and 29.99% variable APR. |
| Other Fees | No foreign transaction fees |
| Network | Visa |
About this card
The United ClubSM Business Card is a highly specialized premium offering designed for a very specific segment: frequent United Airlines business travelers. Its overall rating of 3.3 reflects its exceptional value and comprehensive benefits for this niche audience, balanced against its significant drawbacks in cost and general applicability. The card excels in its rewards program, earning a near-perfect 4.8, and offers an unparalleled suite of travel benefits for United loyalists. Cardholders enjoy 8x miles on United flights, a generous sign-up bonus, and crucial perks like unlimited United ClubSM access (valued over $750 annually), free checked bags, Premier Access, and the ability to earn Premier Qualifying Points (PQP) for elite status. Critically, the card provides over $925 in annual partner credits across various categories, which, when fully utilized, can significantly offset the substantial $695 annual fee. The card also benefits from the strong reputation of Chase as an issuer, providing reliability and robust protections. However, the most significant deterrents are the very high $695 annual fee (rated 1.8) and a high regular variable APR (19.74%-28.24%) with no introductory offer (rated 1.5). These make the card a poor choice for businesses that carry a balance or for individuals who cannot consistently maximize its niche benefits. Its value proposition is almost entirely tied to loyalty to United Airlines, severely limiting its appeal and utility for those who fly other carriers or seek more flexible rewards. Therefore, for its intended target audience, this card offers an excellent, premium travel experience where the significant annual fee can be easily justified by the value received. However, for a broader business audience or those without deep loyalty to United, the exorbitant fee and high APR represent major hurdles. This results in a 'Good' overall rating, acknowledging its best-in-class features for a very specific segment while recognizing its prohibitive cost and narrow utility for general use.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Lounge membership
- Luxury perks
- Free employee cards
Things to consider
- High annual fee
- High regular APR
- No intro APR period
What this card offers
Sign-up bonuses
- Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP) after qualifying activities.
- Earn 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
- Plus, earn 10,000 bonus miles after you add an employee card to your account in the first 3 months your account is open.
Rewards
- NEW! 8x total miles on eligible United flights - 6x miles on the Primary Cardmember's fare from United as a MileagePlus member, plus 2x miles on entire United purchase with United Club Business Card. Mileage earning differs for Basic Economy or base option tickets. Premier members earn even more.
- 2x miles on all other eligible United purchases
- 5x miles on hotel stays when you prepay directly through Renowned Hotels and Resorts for United Cardmembers.
- 1.5x miles on all other purchases
Other features
- United ClubSM access, Premier Access travel services, and over $925 in annual partner credits.
- Unlimited United ClubSM access for you and a guest — $750+ value per year
- Free first and second checked bags – savings of up to $440 per roundtrip
- Over $925 in annual partner credits
- NEW! Save 10% or more when booking flights with miles. Premier members save even more.
- Premier Access travel services
- Earn 2 global Economy Plus seat upgrades after spending $40,000 each calendar year.
- Earn up to 28,000 Premier qualifying points (PQP) - Earn 1 Premier Qualifying Point (PQP) for every $15 spent on purchases with your United ClubSM Business card, up to 28,000 PQP per year.
- Employee cards at no additional cost
- 25% back on United inflight and Club premium drink purchases
- No foreign transaction fees
- Avis President's Club
- Complimentary Instacart+ Membership
- Up to $200 in credits for Renowned Hotels and Resorts for United Cardmembers
- Up to $150 in credits on rideshare purchases
- Up to $100 in United travel credits on Avis or Budget car purchases
- Up to $240 in Instacart Credits
- Up to $200 in credits on JSX purchases
- Up to $50 in credits on United FareLock purchases
- Trip Cancellation and Interruption Insurance
- Baggage Delay Insurance
- Lost Luggage Reimbursement
- Trip Delay Reimbursement
- Auto Rental Coverage
- Purchase Protection
- Return Protection
- Extended Warranty Protection
- Visa Concierge
- Contactless - Just Tap To Pay
- Chase Pay Over Time lets eligible Chase business card customers break up credit card expenses into manageable payments. No interest - just a fixed monthly fee with plan durations that range from 3-24 months.
Additional Notes
This product is reserved for business owners.