United Club Business Card
| Annual fee | $695 Fact |
| Foreign transaction fee | None |
| Rewards currency | miles |
| Est. point value | 1.30¢ Estimate |
Last updated Jul 26, 2026
Checked Jul 26, 2026
Before you apply
General Chase policies as commonly reported by applicants, not a prediction about your application.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Brand purchases | 8x | miles | No cap |
| Hotels | 5x | miles | No cap |
| Everything else | 1.50x | miles | No cap |
Recurring credits
Estimated value| Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart. Benefits end 12/31/27. | $240/yr (Monthly) |
| Get up to $200 back as a statement credit each anniversary year when booking flights directly with JSX using your card. | $200/yr (one-time/annual) |
| Receive up to $200 back in statement credits each anniversary year on hotel accommodations prepaid directly through Renowned Hotels and Resorts for United Cardmembers. | $200/yr (one-time/annual) |
| 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. | $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. | $100/yr (one-time/annual) |
| Earn up to $50 back as a statement credit each anniversary year after buying FareLock on a United- or United Express-operated flight. | $50/yr (one-time/annual) |
Credit value depends on whether you use each credit; treat these as potential value.
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.
Unlimited United Club access for you and a guest, a $750+ value per year, included with card membership.
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 upgrades after spending $40,000 on purchases each calendar year with your card.
Unlock All Access membership after reaching Premier Gold status or spending $50,000 annually on your United Club Business Card; includes access to Star Alliance member lounges and guest privileges for 2 adults or 1 adult plus dependent children.
Complimentary Visa Signature Concierge Service available 24 hours a day for reservations, tickets, and gifts.
Save 10% or more when booking United flights with miles; Premier members save even more (at least 15% fewer miles vs. base price).
Receive preferential treatment through the airport with priority check-in, security screening, boarding, and baggage handling privileges (where available).
Primary Cardmember and one traveling companion can each check first and second standard bags for free, save up to $440 per roundtrip on United-operated flights.
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 a covered situation.
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.