United Club Business Card
| Annual fee | $695 Fact |
| Foreign transaction fee | None |
| Rewards currency | United MileagePlus miles |
| Est. point value | 1.20¢ Estimate |
Last updated Oct 26, 2026
Checked Oct 26, 2026
Before you apply
General Chase policies as commonly reported by applicants, not a prediction about your application.
Sign-up bonus history
5-year best: 110,000 milesView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| May 2022 to Aug 2022 · 3 mo | 75,000 miles | $5,000 |
| Aug 2022 to Jan 2023 · 5 mo | 100,000 miles | $10,000 |
| Jan 2023 to Dec 2023 · 10 mo | 75,000 miles | $5,000 |
| Dec 2023 to Jan 2024 · 2 mo | 50,000 miles | $5,000 |
| Jan 2024 to May 2024 · 4 mo | 75,000 miles | $5,000 |
| May 2024 to Mar 2025 · 10 mo | 50,000 miles | $5,000 |
| Mar 2025 to Jun 2025 · 3 mo | 75,000 miles | $5,000 |
| Jun 2025 to Aug 2025 · 2 mo | 80,000 miles | $5,000 |
| Aug 2025 to Jul 2026 · 11 mo | 100,000 miles | $5,000 |
| Jul 2026 to Sep 2026 · 2 mo | 110,000 miles Best | $5,000 |
| Sep 2026 to Sep 2026 · 3 days | 100,000 miles plus 2,000 Premier Qualifying Points (PQP), 10,000 bonus miles for adding an employee card | $5,000 |
| Sep 2026 to Sep 2026 · 7 days | 100,000 miles plus 10,000 bonus miles after adding an employee card in the first 3 months, 2,000 Premier Qualifying Points (PQP) | $5,000 |
| Sep 2026 to Oct 2026 · 10 days | 110,000 miles plus 2000 Premier Qualifying Points (PQP)s, 10000 Employee card bonus miles Best | $5,000 |
| Oct 2026 to now · 20 days | 90,000 miles plus 2,000 Premier Qualifying Points (PQP), 10,000 bonus miles for adding an employee card | $5,000 |
Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Hotels | 5x | miles | No cap |
| Hotels | 5x | miles | No cap |
| Brand purchases | 2x | miles | No cap |
| Everything else | 1.5x | miles | No cap |
Your elite status
Recurring credits
Estimated value| Receive two $10 credits in your Instacart account each month you have an active Instacart+ membership, up to $240 in credits each calendar year. Shared across the account
|
$240/yr (Monthly) |
| Get up to $200 back as a statement credit each anniversary year when booking flights directly with JSX using your card. Shared across the account
|
$200/yr (Anniversary) |
| Receive up to $200 back in statement credits each anniversary year on hotel accommodations prepaid directly through Renowned Hotels and Resorts for United Cardmembers. Shared across the account
|
$200/yr (Anniversary) |
| 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. Shared across the account
|
$150/yr (Monthly) |
| 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. Shared across the account
|
$100/yr (Anniversary) |
| Earn up to $50 back as a statement credit each anniversary year after buying FareLock on a United- or United Express-operated flight. Shared across the account
|
$50/yr (Anniversary) |
Credit value depends on whether you use each credit; treat these as potential value.
Certificates
Estimated value| 4 x United Club one-time passes Requires United Club All Access membership and an employee card on the account. |
$200/yr |
| 2 x Global Economy Plus seat upgrades after $40,000 spend | after $40,000 spend |
Values are our estimate of what each certificate typically saves. Certificates expire, so their value depends on using them in time.
Benefits & protections
Card factsEarn 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.
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.
Primary Cardmember eligible to enroll in Avis President's Club, receiving complimentary two-car class upgrades, guaranteed car availability, and expedited rental service.
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.
Earn 2 global Economy Plus seat upgrade certificates after spending $40,000 on purchases each calendar year; upgrades are for the primary cardmember only and must be used within 12 months of issue.
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.
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.
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.
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.
Covers eligible new purchases for 120 days from purchase against damage or theft, up to $10,000 per item.
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.
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.
Provides reimbursement up to $3,000 per covered traveler for lost, damaged, or stolen checked or carry-on baggage during a covered trip.
Reimburses up to $100 a day for up to 3 days for essential purchases when baggage is delayed over 6 hours.
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.
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 on the United Club Business
Card factsEmployee cards are free.
Each employee card 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
Shared across the account
- Avis or budget car rental credit
- Back on inflight and Club purchases
- Farelock credit
- Instacart credits
- Jsx credit
- Renowned hotels and resorts credit
- Rideshare credit
Primary cardmember only
- Avis presidents Club membership
- Discounted award flight pricing
- Economy plus seat upgrades
- Premier qualifying points pqp earning
- United Club access
- United Club all access membership
Only when traveling with you
- Free first and second checked bags
- Premier access travel services
- Premier upgrades on award tickets