United Club℠ Business Card
- Annual Fee
- $695
- Welcome Bonus
- Up to 100,000 miles
- Highest rate (conditional)
- Up to 5X (Travel portal)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $695
- Foreign Transaction Fee
- $0
- Network
- Visa Signature
- Rewards Currency
- United MileagePlus
- Point Valuation
- 1.2–1.2 cpp (mid: 1.2)
- Credit Required
- Excellent
Welcome Offer
Up to 100,000 miles
- 90,000 miles after $5,000 in purchases in the first 3 months (plus 2,000 PQP)
- + 10,000 miles after adding an employee card in the first 3 months
The total needs every stage above. Meet only the first and you earn 90,000 miles.
Earning Rates
- 5X
Hotels
5x miles on prepaid hotel stays through Renowned Hotels and Resorts for United Cardmembers
- 2X
United
2 miles per $1 spent on purchases from United® including tickets, Economy Plus®, Inflight food, beverages, Wi-Fi and other United charges
- 1.5X
All Other
Benefits & Perks
Travel Benefits
4 perksGeneral Travel
Flights & Airlines
Flights
Annual Credits & Statement Credits
7 creditsUp to
$940
in recurring credits (annual)
1 credit listed below has no stated dollar amount and is not counted in this total.
$200 JSX credits
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...
$200
Annual
$200 Renowned Hotels credit
Receive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Res...
$200
Annual
$150/yr rideshare credit
Enroll to receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with your United Club Business Card: $...
$150
Annual
$50 Avis/Budget travel credit
$50 in United TravelBank cash on each of your 1st and 2nd Avis or Budget rentals booked through United, up to $100 a year.
$50
Annual
$50 United FareLock
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 ...
$50
Annual
25% back on United inflight drinks
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...
—
Annual
Show all 7 creditsShow fewer credits
$240/yr Instacart credit
Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart with your United Club...
$240
Annual
Insurance & Protections
8 protectionsPurchase Protection
$10,000
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Trip Cancellation/Interruption Insurance
$10,000
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...
Lost Luggage Reimbursement
$3,000
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.
Return Protection
$500
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.
Trip Delay Reimbursement
$500
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you are covered for unreimbursed expense...
Show all 8 protectionsShow fewer protections
Baggage Delay Insurance
$100
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.
Auto Rental Collision Damage Waiver
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purp...
Extended Warranty Protection
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Program & Transfers
MileagePlus
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.
Program Ratings
Recent Changes & News
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.
Sweet Spots — Best Redemptions
| Route / Property | Points | 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 |
Reviews & Analysis
Third-Party Rankings & Ratings
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #33 of 119 |
Category Rankings (3 categories)
Pros and Cons
Pros
- +United Club card membership included, with unlimited access for you and a guest
- +Free first and second checked bags for cardholder plus companion (up to $440 per roundtrip)
- +Over $925 in annual partner credits (Renowned Hotels, rideshare, Avis/Budget, Instacart, JSX, FareLock)
- +1.5x miles on all other purchases and 5x on prepaid Renowned Hotels stays
- +Up to 28,000 PQP a year at 1 PQP per $15 spent
- +2 global Economy Plus upgrades after $40,000 annual spend
- +Free employee cards
- +No foreign transaction fees
Cons
- -$695 annual fee
- -Only 2x miles on United purchases (8x total with MileagePlus earning)
- -Miles locked to United MileagePlus
- -Credits require enrollment, booking through specific partners or spend thresholds
The Math: Is $695 Worth It?
First-year value includes $1,080 welcome bonus (first stage)
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$564
Annual Fee
-$695
Net Annual Value
-$131
Details & Terms
Application Rules
| 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 |
Payment Terms
| Purchase APR | 19.99%–28.49% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
FAQs
Do MileagePlus members get free bags?
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.
How many MileagePlus miles do you need for a free flight?
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.
Is a United Club subscription worth it?
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.
How to earn United miles quickly?
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.
Do United miles expire?
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.
Can you pool United miles with family members?
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.
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Chase Official | Chase Official: Multiple card facts | |
| Chase | — | Chase |
| RewardsCC API | — | RewardsCC API |
| Chase | — | Chase |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
