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$695
Annual Fee
100,000
miles · Welcome Bonus
2X
Top Rate
Annual Fee
$695
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
United MileagePlus
Point Valuation
1.2–1.5 cpp (mid: 1.35)
Credit Required
Excellent
Welcome Offer
100,000
miles
Spend $5,000 in the first 3 months
Benefits & Perks
Program & Transfers
Your gateway to global Star Alliance travel
United MileagePlus is the loyalty program of United Airlines, serving millions of members with access to the Star Alliance network of 26 member airlines. As North America's largest Star Alliance carrier, United provides seamless earning and redemption opportunities across partners including Lufthansa, ANA, Singapore Airlines, and Air Canada. The program uses a revenue-based earning model for United flights while offering fixed-rate awards on partner airlines. United operates extensive domestic and international networks with major hubs in Chicago, San Francisco, Houston, Denver, Newark, and Washington Dulles. MileagePlus members earn Premier Qualifying Points (PQP) and Premier Qualifying Flights (PQF) toward elite status, with benefits including complimentary upgrades, bonus earnings, and fee waivers. The program is recognized for excellent award availability, particularly in premium cabins on long-haul international routes. United partners with Chase for co-branded credit cards offering elevated earning rates, free checked bags, and priority boarding. Premium cards grant club lounge access and expanded award availability, making them valuable for frequent United flyers.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #33 of 119 |
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
$695
Annual Fee
100,000
miles · Welcome Bonus
2X
Top Rate
Annual Fee
$695
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
United MileagePlus
Point Valuation
1.2–1.5 cpp (mid: 1.35)
Credit Required
Excellent
Welcome Offer
100,000
miles
Spend $5,000 in the first 3 months
Benefits & Perks
Program & Transfers
Your gateway to global Star Alliance travel
United MileagePlus is the loyalty program of United Airlines, serving millions of members with access to the Star Alliance network of 26 member airlines. As North America's largest Star Alliance carrier, United provides seamless earning and redemption opportunities across partners including Lufthansa, ANA, Singapore Airlines, and Air Canada. The program uses a revenue-based earning model for United flights while offering fixed-rate awards on partner airlines. United operates extensive domestic and international networks with major hubs in Chicago, San Francisco, Houston, Denver, Newark, and Washington Dulles. MileagePlus members earn Premier Qualifying Points (PQP) and Premier Qualifying Flights (PQF) toward elite status, with benefits including complimentary upgrades, bonus earnings, and fee waivers. The program is recognized for excellent award availability, particularly in premium cabins on long-haul international routes. United partners with Chase for co-branded credit cards offering elevated earning rates, free checked bags, and priority boarding. Premium cards grant club lounge access and expanded award availability, making them valuable for frequent United flyers.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #33 of 119 |
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
$695
Annual Fee
100,000
miles · Welcome Bonus
2X
Top Rate
Annual Fee
$695
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
United MileagePlus
Point Valuation
1.2–1.5 cpp (mid: 1.35)
Credit Required
Excellent
Welcome Offer
100,000
miles
Spend $5,000 in the first 3 months
Benefits & Perks
Program & Transfers
Your gateway to global Star Alliance travel
United MileagePlus is the loyalty program of United Airlines, serving millions of members with access to the Star Alliance network of 26 member airlines. As North America's largest Star Alliance carrier, United provides seamless earning and redemption opportunities across partners including Lufthansa, ANA, Singapore Airlines, and Air Canada. The program uses a revenue-based earning model for United flights while offering fixed-rate awards on partner airlines. United operates extensive domestic and international networks with major hubs in Chicago, San Francisco, Houston, Denver, Newark, and Washington Dulles. MileagePlus members earn Premier Qualifying Points (PQP) and Premier Qualifying Flights (PQF) toward elite status, with benefits including complimentary upgrades, bonus earnings, and fee waivers. The program is recognized for excellent award availability, particularly in premium cabins on long-haul international routes. United partners with Chase for co-branded credit cards offering elevated earning rates, free checked bags, and priority boarding. Premium cards grant club lounge access and expanded award availability, making them valuable for frequent United flyers.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #33 of 119 |
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
Up to
$822
in annual credits
$200 Renowned Hotels credit
$200
Annual
Receive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Res...
$200 JSX credits
$200
Annual
Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using your United Club Business Card. JSX i...
$150/mo rideshare credit
$150
Enroll to receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with your United Club Business Card: $...
$50 Avis/Budget travel credit
$50
Annual
Receive $50 in United® TravelBank cash, up to $100, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid...
$50 United FareLock
$50
Annual
Earn up to $50 back as a statement credit each anniversary year after you buy FareLock with your United Club Business Card on a United - or United ...
8% Booking.com credits
$8
Earn up to 8% in Travel Credits on qualifying Booking.com hotel stays paid with your card.
25% back on United inflight drinks
—
Annual
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay w...
$10/mo Instacart+
$10
Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart with your United Club...
Combined Protection Value
$30,450
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
If your trip is cancelled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $10,000 per person an...
If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
You can be reimbursed for eligible items that the store won't take back within 90 days of purchase, up to $500 per item, $1,000 per year.
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expense...
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Starting February 2026, all Premier members are eligible for complimentary upgrades on award tickets, not just revenue tickets.
United announced PlusPoints upgrade costs will become demand-based starting February 2027, moving away from fixed costs per segment.
United removed all change and cancellation fees for MileagePlus award tickets, making speculative bookings risk-free.
MileagePlus now allows up to 5 members to pool miles in a shared account, though pooled miles can only be used on United flights, not partners.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| US to Hawaii in Economy | 17,200 | — | economy | united_states |
| US to South America in Economy | 20,000 | — | economy | south_america |
| US to Europe in Economy | 26,700 | — | economy | europe |
| US to Southeast Asia in Economy | 39,200 | — | economy | asia |
| US to South America in Business | 60,500 | — | business | south_america |
| US to Europe in Business | 80,000 | — | business | europe |
| US to Africa in Business (Partner) | 88,000 | — | business | africa |
| Short-Haul US Domestic Economy | 5,000 | — | economy | united_states |
| US to Mexico in Economy | 10,000 | — | economy | central_america |
| US Transcontinental Business/First | 30,000 | — | business | united_states |
| US to Asia in Polaris Business | 100,000 | — | business | asia |
For travelers who fly United often, the United Club Business Card offsets its $695 annual fee with a $750 membership, valuable credits, and a strong sign-up bonus — occasional flyers may find it unnecessary.
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.
The regular **sign-up bonus for the United Club Business Card is 80,000 (current special 100,000) 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.
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.
**United is a solid option 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 60,000 points to South America and 80,000 to Europe.
- 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.
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 (75,000 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.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$493.20
Annual Fee
-$695
Net Annual Value
-$201.80
You don’t get free bags just by being a MileagePlus member. You need United status or a credit card that includes free checked bags. Five of the six United cards offer at least one free bag, and all status tiers include the same perk. Premium cabin tickets also include at least two free bags.
You can find short-haul domestic flights for as low as 6300 miles one-way in the off-peak season. Since United uses dynamic pricing, award costs vary widely based on when you fly. Flights from the U.S. to Europe can occasionally be found for as little as 26,000 miles one-way.
A United Club membership costs $750, or 94,000 miles, so value depends on how often you fly United. Some United cards include passes, and the [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) card offers full membership. United Premier Gold members and higher also receive United Club access when traveling internationally.
The fastest way to earn United miles is to open a co-branded United credit card and meet the welcome offer requirement. The [United Club](https://pointsnav.com/credit-cards/united-club-infinite-card) and [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) cards both offer 80,000-mile bonuses, and we've seen offers reach 100,000. Other United cards offer bonuses up to 60,000 miles.
No, United MileagePlus miles no longer expire. Your miles will remain in your account indefinitely, regardless of account activity. This is a major advantage over some competing programs.
Yes, MileagePlus offers mileage pooling where up to five members can combine their miles into a shared pool. The pool leader must be at least 18 years old. However, pooled miles can only be used for award flights on United, not on partner airlines. Once contributed, miles cannot be withdrawn after 24 hours.
Up to
$822
in annual credits
$200 Renowned Hotels credit
$200
Annual
Receive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Res...
$200 JSX credits
$200
Annual
Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using your United Club Business Card. JSX i...
$150/mo rideshare credit
$150
Enroll to receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with your United Club Business Card: $...
$50 Avis/Budget travel credit
$50
Annual
Receive $50 in United® TravelBank cash, up to $100, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid...
$50 United FareLock
$50
Annual
Earn up to $50 back as a statement credit each anniversary year after you buy FareLock with your United Club Business Card on a United - or United ...
8% Booking.com credits
$8
Earn up to 8% in Travel Credits on qualifying Booking.com hotel stays paid with your card.
25% back on United inflight drinks
—
Annual
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay w...
$10/mo Instacart+
$10
Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart with your United Club...
Combined Protection Value
$30,450
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
If your trip is cancelled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $10,000 per person an...
If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
You can be reimbursed for eligible items that the store won't take back within 90 days of purchase, up to $500 per item, $1,000 per year.
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expense...
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Starting February 2026, all Premier members are eligible for complimentary upgrades on award tickets, not just revenue tickets.
United announced PlusPoints upgrade costs will become demand-based starting February 2027, moving away from fixed costs per segment.
United removed all change and cancellation fees for MileagePlus award tickets, making speculative bookings risk-free.
MileagePlus now allows up to 5 members to pool miles in a shared account, though pooled miles can only be used on United flights, not partners.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| US to Hawaii in Economy | 17,200 | — | economy | united_states |
| US to South America in Economy | 20,000 | — | economy | south_america |
| US to Europe in Economy | 26,700 | — | economy | europe |
| US to Southeast Asia in Economy | 39,200 | — | economy | asia |
| US to South America in Business | 60,500 | — | business | south_america |
| US to Europe in Business | 80,000 | — | business | europe |
| US to Africa in Business (Partner) | 88,000 | — | business | africa |
| Short-Haul US Domestic Economy | 5,000 | — | economy | united_states |
| US to Mexico in Economy | 10,000 | — | economy | central_america |
| US Transcontinental Business/First | 30,000 | — | business | united_states |
| US to Asia in Polaris Business | 100,000 | — | business | asia |
For travelers who fly United often, the United Club Business Card offsets its $695 annual fee with a $750 membership, valuable credits, and a strong sign-up bonus — occasional flyers may find it unnecessary.
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.
The regular **sign-up bonus for the United Club Business Card is 80,000 (current special 100,000) 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.
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.
**United is a solid option 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 60,000 points to South America and 80,000 to Europe.
- 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.
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 (75,000 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.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$493.20
Annual Fee
-$695
Net Annual Value
-$201.80
You don’t get free bags just by being a MileagePlus member. You need United status or a credit card that includes free checked bags. Five of the six United cards offer at least one free bag, and all status tiers include the same perk. Premium cabin tickets also include at least two free bags.
You can find short-haul domestic flights for as low as 6300 miles one-way in the off-peak season. Since United uses dynamic pricing, award costs vary widely based on when you fly. Flights from the U.S. to Europe can occasionally be found for as little as 26,000 miles one-way.
A United Club membership costs $750, or 94,000 miles, so value depends on how often you fly United. Some United cards include passes, and the [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) card offers full membership. United Premier Gold members and higher also receive United Club access when traveling internationally.
The fastest way to earn United miles is to open a co-branded United credit card and meet the welcome offer requirement. The [United Club](https://pointsnav.com/credit-cards/united-club-infinite-card) and [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) cards both offer 80,000-mile bonuses, and we've seen offers reach 100,000. Other United cards offer bonuses up to 60,000 miles.
No, United MileagePlus miles no longer expire. Your miles will remain in your account indefinitely, regardless of account activity. This is a major advantage over some competing programs.
Yes, MileagePlus offers mileage pooling where up to five members can combine their miles into a shared pool. The pool leader must be at least 18 years old. However, pooled miles can only be used for award flights on United, not on partner airlines. Once contributed, miles cannot be withdrawn after 24 hours.
Up to
$822
in annual credits
$200 Renowned Hotels credit
$200
Annual
Receive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Res...
$200 JSX credits
$200
Annual
Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using your United Club Business Card. JSX i...
$150/mo rideshare credit
$150
Enroll to receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with your United Club Business Card: $...
$50 Avis/Budget travel credit
$50
Annual
Receive $50 in United® TravelBank cash, up to $100, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid...
$50 United FareLock
$50
Annual
Earn up to $50 back as a statement credit each anniversary year after you buy FareLock with your United Club Business Card on a United - or United ...
8% Booking.com credits
$8
Earn up to 8% in Travel Credits on qualifying Booking.com hotel stays paid with your card.
25% back on United inflight drinks
—
Annual
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay w...
$10/mo Instacart+
$10
Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart with your United Club...
Combined Protection Value
$30,450
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
If your trip is cancelled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $10,000 per person an...
If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
You can be reimbursed for eligible items that the store won't take back within 90 days of purchase, up to $500 per item, $1,000 per year.
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expense...
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Starting February 2026, all Premier members are eligible for complimentary upgrades on award tickets, not just revenue tickets.
United announced PlusPoints upgrade costs will become demand-based starting February 2027, moving away from fixed costs per segment.
United removed all change and cancellation fees for MileagePlus award tickets, making speculative bookings risk-free.
MileagePlus now allows up to 5 members to pool miles in a shared account, though pooled miles can only be used on United flights, not partners.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| US to Hawaii in Economy | 17,200 | — | economy | united_states |
| US to South America in Economy | 20,000 | — | economy | south_america |
| US to Europe in Economy | 26,700 | — | economy | europe |
| US to Southeast Asia in Economy | 39,200 | — | economy | asia |
| US to South America in Business | 60,500 | — | business | south_america |
| US to Europe in Business | 80,000 | — | business | europe |
| US to Africa in Business (Partner) | 88,000 | — | business | africa |
| Short-Haul US Domestic Economy | 5,000 | — | economy | united_states |
| US to Mexico in Economy | 10,000 | — | economy | central_america |
| US Transcontinental Business/First | 30,000 | — | business | united_states |
| US to Asia in Polaris Business | 100,000 | — | business | asia |
For travelers who fly United often, the United Club Business Card offsets its $695 annual fee with a $750 membership, valuable credits, and a strong sign-up bonus — occasional flyers may find it unnecessary.
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.
The regular **sign-up bonus for the United Club Business Card is 80,000 (current special 100,000) 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.
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.
**United is a solid option 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 60,000 points to South America and 80,000 to Europe.
- 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.
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 (75,000 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.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$493.20
Annual Fee
-$695
Net Annual Value
-$201.80
You don’t get free bags just by being a MileagePlus member. You need United status or a credit card that includes free checked bags. Five of the six United cards offer at least one free bag, and all status tiers include the same perk. Premium cabin tickets also include at least two free bags.
You can find short-haul domestic flights for as low as 6300 miles one-way in the off-peak season. Since United uses dynamic pricing, award costs vary widely based on when you fly. Flights from the U.S. to Europe can occasionally be found for as little as 26,000 miles one-way.
A United Club membership costs $750, or 94,000 miles, so value depends on how often you fly United. Some United cards include passes, and the [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) card offers full membership. United Premier Gold members and higher also receive United Club access when traveling internationally.
The fastest way to earn United miles is to open a co-branded United credit card and meet the welcome offer requirement. The [United Club](https://pointsnav.com/credit-cards/united-club-infinite-card) and [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) cards both offer 80,000-mile bonuses, and we've seen offers reach 100,000. Other United cards offer bonuses up to 60,000 miles.
No, United MileagePlus miles no longer expire. Your miles will remain in your account indefinitely, regardless of account activity. This is a major advantage over some competing programs.
Yes, MileagePlus offers mileage pooling where up to five members can combine their miles into a shared pool. The pool leader must be at least 18 years old. However, pooled miles can only be used for award flights on United, not on partner airlines. Once contributed, miles cannot be withdrawn after 24 hours.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purp...
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purp...
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purp...
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
