United Club Business Card
$695 annual fee · $940/yr in printed statement credits · 1.5x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Travel | 2x | uncapped |
| Everything else | 1.5x | uncapped |
| Flights at United only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
8x | uncapped |
| Hotels at Renowned Hotels and Resorts via Chase Travel only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
5x | uncapped |
See how it ranks: best travel cards.
Signup bonus: 100,000 points after $5,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Bonus figure confirmed on the issuer's page 2026-09-14.
Statement credits — $940/yr on paper · how we got this
| Credit | Value | How it pays |
|---|---|---|
| Renowned Hotels and Resorts credit | $200/year | annual · resets on your card anniversary |
| Rideshare credit | $150/year | annual · enrollment required |
| Avis/Budget TravelBank cash | $100/year | annual · resets on your card anniversary |
| Instacart credit | $240/year | monthly · enrollment required · through 2027-12-31 |
| JSX statement credit | $200/year | annual · resets on your card anniversary |
| FareLock statement credit | $50/year | annual · resets on your card anniversary |
| Inflight and United Club premium drink rebate | $0/year | annual |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- United Club membership included (cardholder + 1 adult guest, or guest + kids under 18, per visit; unlimited visits; excludes Star Alliance lounges)
- 'All Access' upgrade adds Star Alliance lounge access (2 guests/visit) by reaching Premier Gold status or spending $50,000/calendar year
- 4 United Club one-time passes each anniversary if All Access is unlocked and an employee/authorized-user card is on the account
- Premier Access: priority check-in, security lanes, boarding, and baggage handling for cardholder + companions on same reservation
- First AND second checked bags free for cardholder + 1 companion
- 1 PQP per $15 spent, capped at 28,000 PQP/calendar year toward Premier elite status
- 2 global Economy Plus upgrades after $40,000 calendar-year spend
- 5,000-mile 'better-together' anniversary bonus if also holding a personal United credit card
Does the fee earn out? · how we got this
The printed statement credits ($940/yr) cover the $695 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.
Is this $695 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone who doesn't spend at United. Its largest printed rate, 8x on flights, pays only at United. Anywhere else it earns its base 1.5x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
- Anyone who won't work the statement credits. The $695 fee is argued for by $940 of printed credits, spread across 7 separate credits, 1 of them monthly or quarterly — an unused month is gone, not banked, and 2 that must be enrolled in before they pay. Each one only pays if you were going to spend that way anyway; ignore them and the whole $695 has to come back through earn rates instead.
Don't want the fee any more?
United Club Business Card can normally be product-changed to one lower-fee card in the Chase United MileagePlus (business) family instead of being closed — which keeps the account, its age and its credit line.
Comparing cards in the same currency? See the best cards that earn United miles →
More from Chase
- United Club Infinite Card $695/yr
- United Explorer Card $150/yr
- United Gateway Card
- United Quest Card $350/yr
- World of Hyatt Business Card $199/yr
- World of Hyatt Credit Card $95/yr
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: creditcards.chase.com. Spot an error? Tell us.