United Club Business
- Annual fee
- $695
- Network
- visa
- Type
- business
It earns United MileagePlus miles, with elevated rewards on eligible United purchases and select business and travel spending.
Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.
Three ways to value this card. Only one of them is yours.
What the issuer advertises.
Pays out with no hoops.
$884 of the advertised value — 62% — comes with strings attached.
- $1,434 advertised across 8 benefits.
- $884 (62%) needs a booking, enrollment, or deadline.
- Biggest credit — Instacart credits, $240 — only via Instacart.
- Free first and second checked bags ($300) posts automatically. No hoops.
- No-hoops value covers 79% of the annual fee.
- You book travel through Instacart.
- You'll actually use Free first and second checked bags.
- 2× on United purchases matches your spend.
- You book direct, not via Instacart.
- You want the fee covered without chasing — $145 short.
Welcome offer
Earn 100,000 bonus miles + 2,000 Premier qualifying points (PQP) after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an employee card to your account in the first 3 months your account is open.
- Minimum spend
- $5,000
- Within
- 3 mo
Earning rates
- All other purchases1.5×milesUnited MileagePlus
- Top earnUnited purchasespurchases made directly with United Airlines (including flights, Wi-Fi, food, and beverages onboard)2×milesUnited MileagePlus
On-card benefits & credits
- Free first and second checked bags$300/Annual
The primary cardmember and one companion on the same reservation each receive their first and second standard checked bags free on eligible United- or United Express-operated flights. The card must generally be used for the tickets and the primary cardmember's MileagePlus number included.
- JSX statement credit$200/Annual
Receive up to $200 in statement credits each account-anniversary year for flights purchased directly from JSX with the card.
- 2 global Economy Plus seat upgrades (Spend Tier)$200/Annual
Unlocks after $40,000 calendar-year spend on the card. The primary cardmember earns two nontransferable global Economy Plus upgrades, valid for eligible United and United Express flights and generally usable within 12 months of issue.
- Renowned Hotels and Resorts credit$200/Annual
Receive up to $200 in statement credits each account-anniversary year for eligible prepaid hotel stays booked directly through Renowned Hotels and Resorts for United Cardmembers.
- Avis or Budget United travel credit$100/Annual
Earn $50 in United TravelBank cash for each of the first two qualifying Avis or Budget rentals per anniversary year, up to $100 total. Rentals must be booked through cars.united.com, meet eligibility terms, and be paid with the card.
- Renowned Hotels and Resorts property benefits$100/One-time
Eligible Renowned Hotels and Resorts bookings include a $100 property credit, daily breakfast for two, complimentary Wi-Fi, and room upgrade plus early check-in/late checkout when available.
- FareLock statement credit$50/Annual
Receive up to $50 in statement credits each account-anniversary year for eligible FareLock purchases on United- or United Express-operated flights.
- Instacart credits$20/Monthly
Receive two $10 Instacart credits per month, up to $240 per calendar year, while an activated complimentary Instacart+ membership is active. Credits expire monthly and the benefit ends December 31, 2027.
- Rideshare statement credit$12/Monthly
After yearly enrollment, receive up to $12 per month from January through November and up to $18 in December on eligible rideshare purchases, for up to $150 per calendar year.
- Discounted United award pricing$0/Annual
The primary cardmember receives at least 10% off the base mileage price of United or United Express award flights; Premier cardmembers receive at least 15% off. The booking must use the primary cardmember's MileagePlus account.
- Premier upgrades on award tickets$0/Annual
A primary cardmember with MileagePlus Premier status and one companion on the same reservation may receive complimentary upgrades on eligible United or United Express award tickets, subject to availability.
- Baggage Delay Insurance$0/As needed
Reimburses essential purchases such as toiletries and clothing when checked baggage is delayed more than six hours, up to $100 per day for three days.
- Up to 28,000 Premier qualifying points$0/Annual
Earn 1 PQP per $15 of net card purchases, up to 28,000 PQP per calendar year, applicable toward Premier qualification through Premier 1K.
- Trip Delay Insurance$0/As needed
Covers unreimbursed expenses such as meals and lodging when common-carrier travel is delayed more than 12 hours or requires an overnight stay, up to $500 per covered traveler.
- Purchase Protection$0/As needed
Covers eligible new purchases against damage or theft for 120 days from purchase, subject to a $10,000 per-item limit; New York coverage may differ.
- Concierge Service$0/As needed
Provides complimentary 24/7 assistance with event tickets, restaurant reservations, gifts, and other concierge requests; cardholders pay for goods or services obtained.
- Lost Luggage Reimbursement$0/As needed
Reimburses repair or replacement costs for checked or carry-on baggage that is lost, damaged, or stolen during a covered trip, up to $3,000 per covered traveler.
- Trip Cancellation and Interruption Insurance$0/As needed
Reimburses prepaid, nonrefundable travel expenses when a covered trip is canceled or interrupted by sickness, severe weather, or another covered situation, up to $10,000 per covered traveler and $20,000 per trip.
- Auto Rental Collision Damage Waiver$0/As needed
Provides primary coverage for business rentals and reimbursement for theft or collision damage to most eligible rental vehicles, subject to an MSRP limit of $125,000.
- 5,000-mile better-together anniversary bonus$0/Annual
Receive 5,000 bonus MileagePlus miles each account anniversary when the primary cardmember also holds an eligible personal Chase United credit card and both accounts remain open and in good standing.
- Extended Warranty$0/As needed
Extends an eligible manufacturer's U.S. warranty by one additional year for warranties of three years or less, up to four years from purchase.
- Avis President's Club status$0/Annual
The primary cardmember may enroll in Avis President's Club, with benefits such as complimentary two-car-class upgrades, guaranteed availability, and expedited service, subject to program terms.
- IHG One Rewards Platinum Elite Status$0/Annual
The primary cardmember is eligible for IHG One Rewards Platinum Elite status, including potential room upgrades and extended checkout where available. Enrollment is required.
- Premier Access travel services$0/Annual
The primary cardmember and companions on the same reservation receive priority check-in, security screening, boarding, and baggage handling where available on eligible United flights.
- No Foreign Transaction Fees$0/As needed
Purchases made outside the U.S. are not subject to foreign transaction fees.
- United Club Membership$0/Annual
Includes unlimited access to 45+ United Club locations for the primary cardmember, one adult guest, and dependent children under 18. Lounge benefits are assigned $0 catalog value under the required lounge-valuation rule.
- Return Protection$0/As needed
Reimburses eligible items a merchant will not accept within 90 days of purchase, up to $500 per item and $1,000 per 12-month period.
Other Chase cards
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