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United Club Business Card
Verified May 2026

United Club Business Card

Chase
Chase|Business
4.2/5
Annual Fee
$695
Sign-Up Bonus
100,000 miles + 2,000 PQP
Bonus Value
$1,500
View Offer

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

Earn 100,000 bonus miles + 2,000 PQP after spending $5,000 on purchases in the first 3 months.

Our Take

Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.

Earning Rates

2x
united
2x
dining
2x
gas
2x
office supplies
2x
transit
1.5x
other

At a glance

  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags

Earning rates

4
  • 8x
    flights

    8x total miles per dollar on eligible United flight purchases (Basic Economy excluded), structured as 6x as a MileagePlus member plus 2x on the entire United purchase as a cardholder (per Chase issuer page and The Points Guy review)

  • 5x
    lodging

    5x miles per dollar on prepaid hotel stays booked through Renowned Hotels and Resorts for United Cardmembers (per Chase issuer page)

  • 2x
    lodging

    2x miles per dollar on all other United purchases beyond flights and Renowned Hotels (per Chase issuer page)

  • 1.5x
    everything else

    1.5x miles per dollar on all other purchases (per Chase issuer page; this replaced the legacy 1x base rate in the 2025 refresh)

Statement credits

9
  • $750
    United Club MembershipYearly

    Full United Club membership (cash equivalent ~$750/year for non-members)

  • 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on board United-operated flights when paid with the card, plus 25% back on premium drink purchases at United Club locations (per Chase Travel Benefits page and Pointsnav review)
  • $200
    Up to $200 in annual statement credits on prepaid hotel stays through Renowned Hotels and Resorts for United Cardmembers (per Chase issuer page and Upgraded Points review)
  • $200
    Up to $200 in annual statement credits on JSX semi-private jet flight purchases booked directly through JSX (per Chase issuer page and Pointsnav review)
  • $150
    Up to $150 in annual rideshare statement credits delivered as up to $12 per month January through November and up to $18 in December, with annual enrollment required (per Upgraded Points review and Pointsnav review)
  • $100
    Up to $100 in annual United TravelBank credits on Avis or Budget car rentals booked through cars.united.com, structured as up to $50 per rental for the first and second rental each anniversary year (per Chase issuer page and Upgraded Points review)
  • $240
    Up to $240 in annual Instacart statement credits delivered as two $10 credits each month, plus complimentary Instacart+ membership through 12/31/2027 (enrollment required, per Chase issuer page and Pointsnav review)
  • $50
    Up to $50 in annual statement credits on United FareLock purchases on United and United Express flights (per Chase issuer page and Pointsnav review)
  • $120
    Up to $120 statement credit for Global Entry, TSA PreCheck, or NEXUS application fees, available once every 4 years when the application fee is charged to the card (per Upgraded Points review and WalletHub Chase benefit reference)

Perks & memberships

13
  • MembershipComplimentary United Club membership for the primary cardmember, valued at a minimum of $750 per year per Chase; covers the cardmember plus one adult guest and dependent children under 18 at 45+ United Club locations worldwide (per Chase Travel Benefits page and Upgraded Points review)
  • Lounge accessUnited Club All Access membership unlocked when the primary cardmember either earns MileagePlus Premier Gold status or spends $50,000 on purchases in a calendar year; All Access grants 2 adult guests (or 1 adult plus dependent children under 18), access to participating Star Alliance member lounges, and 4 United Club one-time passes per year for authorized users (per Chase Travel Benefits page and AskSebby refresh coverage)
  • Airline perkFree first AND second checked bag on United-operated flights for the primary cardmember and one traveling companion on the same reservation, up to a $40 value for the first bag and up to a $50 value for the second bag each way per person (per Chase Travel Benefits page)
  • Status earning1,500 bonus Premier Qualifying Points (PQP) deposited each year starting after February 1 of the calendar year for the primary cardmember (per Pointsnav 2026 review of the refreshed card)
  • Status earningEarn 1 PQP per $15 spent on purchases, up to 28,000 PQP per calendar year applied toward MileagePlus Premier status (per Chase issuer page; the refreshed cap and rate are higher than the prior 1 PQP per $20 / 1,000 PQP cap on the legacy product)
  • MembershipComplimentary DoorDash DashPass membership covering DoorDash and Caviar for a minimum of 1 year when activated by 12/31/2027 with the United Club Business Card (per Upgraded Points review)
  • Elite statusComplimentary IHG One Rewards Platinum Elite status for the primary cardmember with enrollment; status includes complimentary room upgrades where available and extended checkout, and is maintained as long as the card account stays open and IHG One Rewards membership remains in good standing (per Chase cardmember IHG status enrollment page and The Points Guy refresh coverage)
  • Elite statusComplimentary Avis President's Club elite status for the primary cardmember with enrollment, including complimentary 2-car-class upgrades, guaranteed car availability, and expedited rental service (per Chase Travel Benefits page and Upgraded Points review)
  • ConciergeVisa Infinite Concierge: complimentary 24/7 concierge service for travel planning, restaurant reservations, sports tickets, and similar requests as part of the Visa Infinite network tier the card sits on (per Pointsnav review and Visa Infinite network reference)
  • No foreign feesNo foreign transaction fees on purchases made outside the United States (per Chase issuer page and Upgraded Points review)
  • Authorized usersEmployee cards at no additional annual fee; miles from employee purchases accrue to the primary account, individual employee spending limits can be set, and an employee-card purchase in the first 3 months unlocks the 10,000-mile authorized-user welcome bonus (per Chase issuer page and Upgraded Points review)
  • Payment flexibilityChase Pay Over Time: eligible cardmembers can break up qualifying purchases of $100 or more into fixed monthly payments with a fixed monthly fee (per Chase issuer page)
  • Status earningExpanded MileagePlus award availability: cardmembers have access to more saver-level award seats on United-operated flights than non-cardholders, and MileagePlus miles never expire while the card account remains open (per Chase issuer page)

Travel & purchase protections

11
  • Primary auto rental collision damage waiver: when the entire rental is charged to the card and the rental company's CDW is declined, reimburses up to $60,000 for theft and collision damage on most rental vehicles with an MSRP of $125,000 or less; coverage is primary in the United States and abroad and applies to eligible business rentals (per Chase Travel Protection page for the card)
  • Trip cancellation and trip interruption insurance: up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares when a trip is canceled or cut short by a covered reason (per Chase Travel Protection page)
  • Trip delay reimbursement: up to $500 per covered traveler for unreimbursed meals and lodging when common carrier travel is delayed more than 12 hours or requires an overnight stay (per Chase Travel Protection page)
  • Baggage delay insurance: up to $100 per day for up to 3 days for essential purchases when checked baggage is delayed more than 6 hours (per Chase Travel Protection page)
  • Lost luggage reimbursement: up to $3,000 per covered traveler for checked or carry-on baggage and personal property that is lost, damaged, or stolen by a common carrier (per Chase Travel Protection page)
  • Travel accident insurance: up to $500,000 in accidental death or dismemberment coverage when common carrier transportation is paid with the card (per Chase Travel Protection page)
  • Emergency evacuation and transportation: up to $1,000,000 in coverage for emergency medical services and evacuation when traveling 100 or more miles from home (per Chase Travel Protection page)
  • Purchase protection: covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $10,000 per claim (per Chase Purchase Protection page for the card)
  • Extended warranty protection: extends the time period of the manufacturer's U.S. warranty by an additional year on eligible warranties of 3 years or less, for total coverage up to 4 years from the date of purchase (per Chase Purchase Protection page)
  • Return protection: reimburses eligible items that the store will not accept within 90 days of purchase, up to $500 per item and up to $1,000 per 12-month period (per Chase Purchase Protection page)
  • Visa Infinite network benefits including Visa Infinite Hotel Collection, Visa Infinite Hotel Privileges, Visa Infinite Car Rental Privileges, and roadside dispatch / travel and emergency assistance (per Visa Infinite network reference cited in OMAAT and Pointsnav coverage of the refreshed United Club card line)
More benefits & fine print (2)Show
  • Premier Access travel services on United and United Express flights: priority check-in, security screening, boarding, and baggage handling where available, for the cardmember and companions on the same reservation (per Chase Travel Benefits page and The Points Guy review)
  • Complimentary Premier upgrades on award tickets for the cardmember and one companion on the same reservation (per Chase Travel Benefits page)
How we verified this card (10 sources)Show

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How to Earn the Bonus

Spend $5,000 in the first 3 months to earn the 100,000 miles + 2,000 PQP bonus.

See the Current Offer

Earn 100,000 miles + 2,000 PQP

View Offer

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

Affiliate disclosure:Some links on this page are affiliate links. We earn a commission if you click and complete a qualifying action (sign up, book, buy points), at no extra cost to you. We only feature offers we'd use ourselves. Full disclosure.