United Club℠ Business Card
The business twin of the United Club card. The $695 fee buys United Club membership for you and a guest, first and second checked bags free, Premier Access handling and 1.5x miles on all non-bonus spending. Chase counts over $925 in yearly partner credits against the fee. It only makes sense for owners who fly United often and use lounges routinely.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- United Club membership for you and a guest while you hold the card
- Up to 110,000 bonus miles plus 2,000 PQP in the welcome offer
- Free first and second checked bags, up to $440 back per roundtrip by Chase's math
- 1.5x miles on every non-bonus purchase, unusual for an airline card
- Premier Access priority handling end to end
- Up to 28,000 PQP a year from spending at 1 per $15
- 2 global Economy Plus upgrades after $40,000 in annual spend
- Annual fee: $695
- Purchase APR: 19.99% - 28.49% Variable
- Intro APR: N/A
- Balance transfer APR: 19.74% - 28.24% Variable; fee: Either $5 or 5% of each transfer, whichever is greater
- Cash advance APR: 28.49% Variable; fee: Either $15 or 5% of each transaction, whichever is greater
- Late payment fee: $40
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on October 26, 2026 and may change.
- You fly United weekly or near it and already live in the Club between flights
- Your business runs high card volume; 1.5x everywhere plus 1 PQP per $15 converts spend into status
- You and a colleague check bags on most trips, stacking the two-bag benefit
- Your business actually uses Instacart, JSX, hotels and rentals, so the $925+ credit stack lands
- You should skip it if lounge time is occasional; the $150 United Business card keeps most of the flying perks
Score guess
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Your guess: 700
Approved at 670 to 739
United Club℠ Business Card Review
The United Club℠ Business Card is the lounge card for business owners on United. This review checks the credit stack, the 1.5x everyday earning and the spending thresholds that decide whether $695 is a bargain or a donation.
How You Earn
The card trades bonus categories for a flat 1.5x floor, which suits businesses with spread-out spending.
- Up to 110,000 miles plus 2,000 PQP in the welcome offer
- 1 PQP per $15 spent, capped at 28,000 a year
| Category | Earn rate |
|---|---|
| Eligible United flights (total incl. member miles) | 8x miles |
| Renowned Hotels stays | 5x miles |
| Other eligible United purchases | 2x miles |
| All other purchases | 1.5x miles |
How You Redeem
Miles pool in MileagePlus for United and Star Alliance awards, with employee card spend feeding the same balance.
- United and Star Alliance award flights
- Upgrades and extras through MileagePlus
Benefits and Protections
Lounge membership headlines a benefit set built for constant travel.
- United Club membership for you and a guest
- Free first and second checked bags for you and a companion
- Premier Access travel services
- 25% back on United inflight food, drinks and Wi-Fi
- Partner credits: up to $240 Instacart, $200 Renowned Hotels, $200 JSX, $150 rideshare, $100 Avis and Budget, $50 FareLock
- 2 global Economy Plus seat upgrades after $40,000 in yearly spend
Who This Card Is For
Owners and executives whose weeks include a United gate. The fee only clears with real lounge usage plus the credit stack; otherwise the standard United Business card wins.
- Founders and consultants flying United weekly
- Businesses with high everyday card volume
- Teams that want lounge comfort without buying memberships
Comparison
| Feature | United Club℠ Business Card | Delta SkyMiles® Reserve American Express Card | Citi® / AAdvantage® Executive World Legend Mastercard® |
|---|---|---|---|
| Annual Fee | $695 | $650 | $695 |
| Welcome Offer | Up to 110,000 miles + 2,000 PQP | 50,000 miles + 2 Comfort certificates | 125,000 miles ($15,000 in 5 mo) |
| Rewards Rate | 8x total United flights, 1.5x everything else | 3x Delta, 1x other | Miles on AA and everyday spend |
| Intro APR | N/A | N/A | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | United lounge access for owners | Delta Sky Club visits (15 per year) | Admirals Club membership |
Issuer Comparison
| Feature | United Club℠ Business Card | United℠ Business Card | United Club℠ Card |
|---|---|---|---|
| Annual Fee | $695 | $150 | $695 |
| Welcome Offer | Up to 110,000 miles + 2,000 PQP | Up to 110,000 miles + 2,000 PQP | Up to 90,000 miles |
| Rewards Rate | 8x total United flights, 1.5x everything else | 8x total United flights, 2x business categories | 11x total United flights, 2x travel, dining |
| Key Credits | Club membership, $925+ partner credits | $125 United credit, 2 Club passes | Club membership, $925+ partner credits |
| Best For | Business United Club regulars | United business flyers | Personal United Club regulars |
Approval results for this card
7 results: 7 approved, 0 denied. An approval rate appears from 5 decided results.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 670 to 739 | Experian | $50k to $75k | NY | Apr 2024 |
| Approved | 740 to 799 | Experian | $100k to $150k | NJ | Nov 2022 |
| Approved | 740 to 799 | Not sure | - | - | Oct 2022 |
See all 7 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.
