United Club Business
The welcome offer, the United Club membership, two free bags, every partner credit and its catch, the insurance, and whether the $695 fee pays for itself.
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Business airline cards · Chase
Welcome offer
Up to 100,000 miles
Annual fee
$695
90,000 bonus miles and 2,000 Premier qualifying points after $5,000 in purchases in the first 3 months, plus 10,000 more miles after adding an employee card in the same period. Not available to current cardholders or anyone who received this card’s bonus in the past 24 months.
Employee cards: No feeForeign transaction fees: NoneRewards: United MileagePlus miles
The Atelier Take
Worth it where a United Club membership would be bought anyway; the partner credits alone do not carry the fee.
Who it suits
Frequent United flyers who would otherwise pay for United Club access. The 1.5x base rate and 1 PQP per $15 also suit businesses that put large, varied spending on one card.
Who should skip it
Anyone who passes through a United hub only a few times a year: the $150 United Business covers the first bag and adds two Club passes.
Every credit, and the catch
Chase puts the partner credits above $925 a year, but each is tied to one brand or booking channel.
Instacart credit
Up to $240 a year
Each credit covers one order of $10 or more; Instacart+ is included through 2027; ends December 31, 2027.
Renowned Hotels credit
Up to $200 a year
Prepaid stays booked directly through Renowned Hotels and Resorts for United Cardmembers.
JSX credit
Up to $200 a year
Flights bought directly from JSX, a semi-private carrier with a limited network.
Rideshare credit
Up to $150 a year
Up to $12 a month, and $18 in December.
Avis or Budget credit
Up to $100 a year
Paid as United TravelBank cash: $50 on each of two rentals of 2 days or more booked through mileageplustravel.united.com.
FareLock credit
Up to $50 a year
Only on FareLock fees, which hold a United fare and are not refundable.
What it earns
Rewards: United MileagePlus miles, which don’t expire and book flights on United and its partner airlines.
8x
Eligible United flights
6x as a MileagePlus member plus 2x from the card; less on Basic Economy
5x
Hotels prepaid through Renowned Hotels and Resorts
Booked through Chase Travel; bookings through FROSCH don’t qualify
2x
Other United purchases
Seat upgrades, Economy Plus, inflight purchases and bag fees
1.5x
Everything else
TPG values United miles at 1.2¢ each, so the 1.5x base rate returns about 1.8¢ per dollar on all other spending. United prices most awards dynamically, so value varies by route and date. Holding a personal United card as well adds 5,000 miles each anniversary.
Lounges, status and United benefits
United Club membership
For the cardholder, with one adult guest and dependent children under 18; Chase puts the value at $750+ a year. Star Alliance lounges are not included.
United Club All Access
After $50,000 of spending in a calendar year or Premier Gold status: two adult guests, Star Alliance lounge access, and four one-time passes each anniversary when an employee card is on the account.
Free first and second checked bags
For the cardholder and one companion on the same reservation, when the ticket is bought with the card; Chase puts the saving at up to $440 per round trip.
Premier Access
Priority check-in, security, boarding and baggage handling where available, for the cardholder and companions on the same reservation.
25% back in flight
On food, drinks and Wi-Fi on United flights and premium drinks in United Clubs.
Premier qualifying points
1 PQP per $15 spent, up to 28,000 PQP a calendar year.
Economy Plus upgrades
Two global Economy Plus upgrades after $40,000 of spending in a calendar year.
Award discounts
10% or more off United award flights booked with miles; 15% or more with Premier status.
Premier upgrades on award tickets
Cardholders with Premier status, and one companion on the same reservation, can receive complimentary Premier upgrades on award tickets, subject to availability.
Renowned Hotels benefits
A $100 property credit, daily breakfast for two, and an upgrade and early check-in or late check-out when available.
Avis President’s Club
Enrollment for the cardholder, with two-car-class upgrades and faster rental service.
Better-together bonus
5,000 miles each anniversary when the business owner also holds a personal United card.
Will the $695 fee pay off?
Enter what would go on this card. The result values points at TPG’s valuation, adds the credits that would actually be used and, in year one, the welcome offer, then sets the total against a no-fee card that pays 2% back on everything.
1 · Spending on this card
Example figures are filled in; replace them with real ones.
Advertising
1.5x
Shipping
1.5x
Internet, cable and phone
1.5x
Office supplies
1.5x
Software and cloud services
1.5x
United flights and other United purchasesCard miles only; the 6x as a MileagePlus member comes with any card and is left out
2x
Other flights
1.5x
Hotels prepaid through Renowned Hotels and ResortsBooked through Chase Travel
5x
Other hotels
1.5x
Dining
1.5x
Gas
1.5x
Everything else
1.5x
2 · Credits that would be used
Tick only what would be used anyway, at full value.
3 · Assumptions
The result
Not counted: Premier Access, the 2,000 bonus PQP and PQP from spending, All Access after $50,000 a year, Economy Plus upgrades, award discounts and the insurance.
Insurance and protections
Chase lists these on the card’s page; the car rental cover is primary for business rentals. Pay for the trip or purchase with the card to be covered.
Trip cancellation and interruption
Up to $10,000 per traveler and $20,000 per trip for prepaid, non-refundable travel, including fares, tours and hotels.
Trip delay
Up to $500 per traveler when a trip is delayed more than 12 hours or needs an overnight stay.
Auto rental coverage
Primary when renting for business purposes: up to $60,000 for theft and collision damage on most rentals with an MSRP up to $125,000, when the rental company’s cover is declined.
Lost luggage
Up to $3,000 per traveler for lost, damaged or stolen bags.
Baggage delay
Up to $100 a day for 3 days for essentials when bags are delayed more than 6 hours.
Purchase protection
Damage or theft within 120 days of purchase, up to $10,000 per item.
Return protection
Items a store won’t take back within 90 days of purchase, up to $500 per item and $1,000 per 12 months.
Extended warranty
Adds one year to U.S. manufacturer warranties of three years or less.
Pros and cons
Pros
- United Club membership for the cardholder and a guest
- First and second bags free for two
- 1.5x on everything outside United
- Up to 28,000 Premier qualifying points a year from spending
Cons
- $695 fee with no first-year waiver
- No bonus categories for advertising, shipping or software
- Partner credits are tied to single brands
- Star Alliance lounges need All Access: $50,000 of spending or Premier Gold
Card terms change often and some offers are personalized; the issuer’s page is the final word.