United Club℠ Business Card
A $695-a-year airline card from Chase.
Rates, fees, and full terms are set by Chase and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The United Club Business card is the premium United business card, at a $695 fee, built around a full United Club lounge membership. Like its personal counterpart, the lounge membership alone accounts for much of the fee, so for a frequent-flying business it can be close to break-even.
But $695 is a big commitment, so this only makes sense for a business whose travelers will genuinely use the United Club.
Think twice if: your team would not use the United Club regularly, since the membership is the main thing you are paying for.
Our 5.8 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
You earn solid bonuses on United and everyday business spending, in locked MileagePlus miles, and get a full United Club membership, free checked bags, and premium perks, plus free employee cards. The lounge membership is the core value for a traveling business.
| Category | Rate | Notes |
|---|---|---|
| Travel | 2% back | Bonus category |
| Dining and restaurants | 1.5% back | Base rate |
| Groceries | 1.5% back | Base rate |
| Gas | 1.5% back | Base rate |
| Streaming | 1.5% back | Base rate |
| Transit and rideshare | 1.5% back | Base rate |
| Everything else | 1.5% back | Everything else |
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Put your travel spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its travel rate is on the modest side for that category, so compare before you commit.
When you cash in, redeem the miles or points inside the single loyalty program this card is tied to. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- Full United Club lounge membership
- Free checked bags and premium perks
- Welcome offer: Up to 100,000 bonus miles + 2,000 PQP
- Free employee cards
- $695 fee is steep for a single-airline card
- Miles locked to United
- Only worth it if your team uses the United Club
The welcome bonus
The current welcome offer is Up to 100,000 bonus miles + 2,000 PQP, earned after you spend $5,000 in 3 months. Valued honestly at a flat 1 cent per point, that is worth about $1,000. The spending requirement works out to roughly $1,666 per month, so make sure it fits your normal budget rather than pushing you to overspend.
Is it worth the annual fee?
The $695 fee largely mirrors the cost of a United Club membership, so if your business would buy that lounge access anyway, the card is close to break-even and the perks are upside. If your team would not use the lounges, the fee is hard to justify.
First-year value vs ongoing value
| Welcome bonus | Up to 100,000 bonus miles + 2,000 PQP |
| To earn it | $5,000 in 3 months |
| Est. first-year value* | $1,004 |
| Est. ongoing value / yr* | $4 |
The welcome bonus makes year one the high point: roughly $1,004 in value once you count the bonus, this card’s rewards, and its credits, minus the $695 fee. After that, the honest figure is about $4 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- Full United Club membership
- Free first checked bag for you and a companion
- Premium annual travel credits
- No foreign transaction fees
Lounge access
This card includes airport lounge access. Here is exactly what you get, including the Priority Pass distinctions that vary by card:
- United Club membership: lounge access for you, one guest, and dependents under 18
- Star Alliance partner lounges and 2 adult guests once you reach the All Access tier (Premier Gold status or $50,000 in annual spend)
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
If your business flies United often and your travelers want lounge access, the United Club Business card can make sense, the membership accounts for most of the fee.
If your team would not use the United Club regularly, this is too expensive, and the United Business card is a better fit. This top card is for heavy United-flying businesses.
Alternatives to the United Club℠ Business Card
Pairs well with
The United Club℠ Business Card earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.
Frequently asked questions
Best-card guides featuring this card
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the United Club℠ Business Card lands.
Calculate My CardOffer details verified against issuer sources as of November 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
