Chase
United ClubSM Business Card
BusinessTravelAirlineLuxuryNo Foreign Transaction FeesHotel
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 |
Read the full review
Best for those with
Very Good Credit
About this card
The United Club Business Card is a niche product aimed squarely at frequent United Airlines flyers who can maximize the value of the United Club membership and other travel perks. While the rewards program is generous for United loyalists and the sign-up bonus is attractive, the high $695 annual fee and relatively high APR are significant drawbacks. The card's reputation is solid, with Chase as the issuer and a wide range of travel benefits. However, the value proposition hinges on frequent use of the United Club and other travel-related perks. For those who don't travel frequently with United, the high annual fee outweighs the benefits. Overall, it's a good card for a specific audience but not a universally appealing option. The strengths are the United Club membership, travel perks, and rewards for United purchases. The weaknesses are the high annual fee and APR, limiting its value to a niche audience.
3.0
Overall Rating
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- Luxury perks
- Lounge membership
- Automatic elite status
- No foreign transaction fees
- Employee cards at no additional cost
Things to consider
- High annual fee
- High regular APR
- Requires good or excellent credit
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 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 card membership—at least a $750 value per year
- As the primary United Club Cardmember, you and your eligible travel companions have access to all United Club locations worldwide.
- 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
- Over $925 in annual partner credits
- 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
- NEW! Save at least 10% when booking flights with miles.
- 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
- Avis President's Club®
- Premier upgrades on award tickets
- No foreign transaction fees
- Renowned Hotels and Resorts for United® Cardmembers: Experience an exclusive suite of benefits including a $100 property credit, daily breakfast for two, complimentary Wi-Fi, and a room upgrade and early check-in/late check-out, if available, when you book through Renowned Hotels and Resorts for United® Cardmembers.
- United Card Events from Chase and United MileagePlus Exclusive Events
- 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.
- United ClubSM All Access membership: Unlock All Access membership as a Cardmember after reaching Premier Gold status or by spending $50,000 on purchases each calendar year with your United ClubSM Business Card.
- Earn 4 United Club one-time passes with United ClubSM All Access Membership and an employee card
Ratings
4.1
3.6
2.7
1.5
1.8