Chase
United ClubSM Business Card
Key Features
| Annual Fee | $695.00 |
| Regular APR | 19.74Min. of (6.75+12.99) and 29.99%–28.24Min. of (6.75+21.49) and 29.99% variable APR. |
| Network | Visa |
About this card
The United Club Business Card presents a mixed bag. Its high annual fee ($695) is a major drawback, significantly impacting its value proposition. The APR is also relatively high, ranging from 19.74% to 29.99%, making it costly to carry a balance. These factors bring down the overall score. However, the card offers a strong rewards program, especially for United loyalists, with 7x miles on United flights and a decent 1.5x miles on other purchases. The sign-up bonus is also attractive. Additional perks like United Club membership, free checked bags, and various travel credits add value. However, the high cost limits its appeal to only the most frequent United travelers who can fully utilize the benefits.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- Lounge membership
- Luxury perks
- Automatic elite status
- No foreign transaction fees
Things to consider
- High annual fee
- High regular APR
- Requires good or excellent credit
What this card offers
Sign-up bonuses
- Earn 80,000 bonus miles + 2,000 Premier qualifying points (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
- 7x total miles on United flights - 5x miles on fare from United as a MileagePlus member, plus 2x miles on entire United purchase with the United Club Business Card. 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 card membership—at least a $750 value per year
- Starting with your first anniversary and every anniversary thereafter, earn 4 United ClubSM one-time passes when you have United Club All Access Membership and an employee card.
- Free first and second checked bags
- 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
- 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 annually
- Up to $50 in credits on United FareLock purchases
- 25% back on United inflight and Club premium drink purchases
- Avis President's Club®
- Premier upgrades on award tickets
- No foreign transaction fees
- Renowned Hotels and Resorts for United® Cardmembers
- United Card Events from Chase and United MileagePlus Exclusive Events
- MileagePlus miles don't expire
- No blackout dates
- Visa Concierge
- Trip Cancellation and Interruption Insurance
- Baggage Delay Insurance
- Lost Luggage Reimbursement
- Trip Delay Reimbursement
- Auto Rental Coverage
- Purchase Protection
- Return Protection
- Extended Warranty Protection
- Contactless - Just Tap To Pay
- Chase Pay Over Time
Additional Notes
United credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC.