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Pros & Cons
Pros
- +Lounge access included
- +Purchase protection included
- +No foreign transaction fees
Cons
- –High annual fee ($695/yr)
Our Review
Elevate Your Business Travels with the United Club℠ Business Card
- 100,000 bonus miles + 2,000 Premier qualifying points after you spend $5,000 in the first 3 months
- 5,000 bonus miles when you add an employee card within 3 months
- 7× total miles on United flights (5× on base fare + 2× on the rest of the ticket)
- 5× miles on hotel stays at Renowned Hotels & Resorts when prepaid via United
- 2× miles on all other eligible United purchases
- 1.5× miles on every other purchase
- Free first and second checked bags on United flights (save up to $360 roundtrip)
- Complimentary United Club℠ membership for you + up to two adult guests (or one adult + children under 21)
- No foreign transaction fees
Perfect for busy executives and entrepreneurs who fly United regularly, this card combines powerful earnings with premium lounge access and travel perks that more than justify the annual fee. Streamline your trips with free checked bags, unlock airport comfort in United and Star Alliance lounges, and accelerate your way to elite status—all while earning miles on every dollar you spend.
Terms apply. Offer and PQP bonus available after $5,000 spend in 3 months; employee card bonus requires addition within 3 months. Annual fee $695. Variable APR 20.49%–28.99%. See issuer terms for full details.
Rewards
All Spending
1.5x
United MileagePlus pts per dollar
United flights
2x
United MileagePlus pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
45,000
United MileagePlus/yr
Estimated Value
$450
After Fees
$-245
1st Year Value
$-245
incl. welcome bonus
Breakdown
Annual benefits
- $200
- $150
- $100
- $240
- $200
- $50
Perks & Benefits
Airport lounge access
Concierge
24/7
Priority Boarding
Included
Priority check-in
Included
Renowned Hotels & Resorts credit
$200
Rideshare credit
$150
Avis / Budget credit
$100
Instacart credit
$240
JSX flight credit
$200
FareLock credit
$50
Additional Benefits
- Unlimited United Club membership for you and a guest, a $750+ value per year, with All Access membership unlocked at Premier Gold status or $50,000 in annual spend.
- Four United Club one-time passes starting with your first anniversary when you have United Club All Access Membership and an employee card.
- Free first and second checked bags for the primary Cardmember and one companion, a saving of up to $440 per roundtrip.
- Premier Access travel services: priority check-in, security screening, boarding and baggage handling privileges, where available.
- Up to $200 back in statement credits each anniversary year on hotel accommodations prepaid through Renowned Hotels and Resorts.
- Up to $150 back in statement credits each calendar year on rideshare purchases, with yearly opt-in required.
- Up to $100 in United travel credits on Avis or Budget car purchases and up to $240 a year in Instacart credits.
- Complimentary Visa Signature Concierge Service, 24 hours a day.
Travel Insurance
Trip Cancellation
Up to $10,000
Trip Interruption
Up to $10,000
Delayed Baggage
Up to $300
Lost Baggage
Up to $3,000
Flight Delay
Up to $500
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Up to $10,000 / 120 days
Extended Warranty
+1 years
Auto Rental Collision (secondary, primary for business rentals, primary abroad)
Up to $60,000 / 31 days
Fees and interest rates
- Annual Fee$695
- Foreign currency conversion fee0%
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Chase. All trademarks are property of their respective owners.