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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

United Club Business Card card art
United Club Business 1 of 1
Comparing 1 card
United Club Business Card card art
Chase
United Club Business
Apply Details
Cost and value $695 fee
Annual fee
$695
Credits you can use a year, if you use every one
$940
Fee after credits
$245 back credits beat the fee
Point value per point or mile
1.20¢ Estimate
Rewards currency
United MileagePlus miles
Foreign transaction fee
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus 90,000 miles, about $1,080
Bonus
90,000 miles + 2,000 Premier Qualifying Points (PQP) + 10,000 bonus miles for adding an employee card
Estimated value
$1,080 for the miles
Spend to earn it less a month is easier
$5,000 in 90 days about $1,667 a month
Varies by applicant
Yes the issuer may show you a different offer
Earning rates Top rate 5x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Hotels
5x about 6.0% back
Everything else
1.5x about 1.8% back
Only on this card
  • 2x Brand purchases
Statement credits $940 a year
Rideshare
  • $150 a year $12 every month
    What counts

    Enroll to receive up to $150 back as statement credits each calendar year on rideshare purchases: up to $12 back monthly Jan-Nov, and up to $18 back in December.

Travel booking
  • $200 a year resets every card anniversary
    What counts

    Get up to $200 back as a statement credit each anniversary year when booking flights directly with JSX using your card.

  • $200 a year resets every card anniversary
    What counts

    Receive up to $200 back in statement credits each anniversary year on hotel accommodations prepaid directly through Renowned Hotels and Resorts for United Cardmembers.

  • $100 a year resets every card anniversary
    What counts

    Receive $50 in United TravelBank cash, up to $100 each anniversary year, for 1st and 2nd Avis or Budget car rentals booked directly through cars.united.com and paid with the card.

  • $50 a year resets every card anniversary
    What counts

    Earn up to $50 back as a statement credit each anniversary year after buying FareLock on a United- or United Express-operated flight.

Other credits
  • $240 a year $10 every month
    What counts

    Receive two $10 credits in your Instacart account each month you have an active Instacart+ membership, up to $240 in credits each calendar year.

Monthly credits to track fewer is less work
2
Certificates and passes 4 lounge passes, 2 upgrades with spend, about $200 a year
Values are our estimate of what each certificate typically saves. Certificates expire, so their value depends on using them in time.
Lounge passes
  • 4 x United Club one-time passes each card year, Requires United Club All Access membership and an employee card on the account., about $200 a year
Upgrades
  • 2 x Global Economy Plus seat upgrades after $40,000 spend
Yearly value certificates that arrive each card year
about $200
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel Avis Preferred President's Club, 3 lounge benefits
Elite status
  • Avis Preferred: President's Club after you enroll
Other status perks
  • Earn 1 Premier Qualifying Point (PQP) for every $15 spent on purchases, up to 28,000 PQP per calendar year, applying toward Premier status tiers up to Premier 1K.
  • Primary Cardmember with Premier status traveling on an award ticket, plus one companion on the same reservation, are eligible for Complimentary Premier Upgrades on select United- and United Express-operated flights, subject to availability.
Airport lounges
  • Earn 4 United Club one-time passes annually (over a $200 value per year) when you have United Club All Access Membership and an employee card on your account. $200
  • Unlock United Club All Access membership after reaching Premier Gold status or spending $50,000 on purchases in a calendar year; provides access for 2 adult guests (or 1 adult guest plus dependent children) and access to participating Star Alliance member lounges.
  • United Club SM card membership - a $750+ value - providing unlimited access for the primary Cardmember and one guest to 45+ United Club locations worldwide.
Travel benefits
  • Complimentary Visa Signature Concierge Service available 24 hours a day for reservations, tickets, and gifts.
  • Save 10% or more when booking United or United Express award flights with miles; Premier members save even more (10% for non-Premier, 15% for Premier members). Valid for the primary Cardmember's MileagePlus account only.
  • Priority check-in, security screening, boarding, and baggage handling privileges on United- and United Express-operated flights (where available).
  • Primary Cardmember and one traveling companion on the same reservation each receive their first and second standard checked bags free on United-operated flights, saving up to $440 per roundtrip.
Protection and insurance 6 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Trip delay
  • Covers unreimbursed expenses such as meals and lodging up to $500 per covered traveler when common carrier travel is delayed more than 12 hours or requires an overnight stay.
  • Reimburses up to $100 a day for up to 3 days for essential purchases when baggage is delayed over 6 hours.
Baggage
  • Provides reimbursement up to $3,000 per covered traveler for lost, damaged, or stolen checked or carry-on baggage during a covered trip.
Rental car
  • Primary coverage for business rentals providing reimbursement up to $60,000 for theft and collision damage on most rental vehicles with MSRP of $125,000 or less.
Extended warranty
  • Extends the manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less, up to four years from purchase date.
Purchase protection
  • Covers eligible new purchases for 120 days from purchase against damage or theft, up to $10,000 per item.
Other coverage
  • Reimbursement for eligible items the store won't accept within 90 days of purchase, up to $500 per item, $1,000 per 12-month period.
  • Reimbursement up to $10,000 per covered traveler and $20,000 per trip for pre-paid, nonrefundable travel expenses if a trip is canceled or cut short by covered situations.
Lifestyle and other perks 3 perks
Other perks
  • Receive a complimentary Instacart+ membership through 12/31/27 or for a minimum one-year term, with $0 delivery fees on eligible orders over $35.
  • Receive a 5,000-mile better-together bonus each year when you have the United Club Business Card and a personal United credit card.
  • Earn 10,000 bonus miles for each friend who is approved for any United MileagePlus Card, up to 100,000 bonus miles per year.
Employee cards Free
Cost
Employee cards are free.
Each one gets
  • Auto rental coverage
  • Baggage delay insurance
  • Extended warranty protection
  • Lost luggage reimbursement
  • Purchase protection
  • Return protection
  • Trip cancellation and interruption insurance
  • Trip delay reimbursement
Application rules 5/24
Issuer approval rules
  • 5/24 Community-reported
    What counts

    Chase generally declines applicants who have opened 5 or more credit cards from any issuer in the past 24 months.

Bonus eligibility
Not listed
Card type
Business