Credit and Habit

ChaseBusiness card

United Club Business Card

United Club access, Premier Access travel services, and over $925 in annual partner credits.

AT A GLANCE

Credit card overview

Welcome offer

up to 100,000 bonus miles2,000 Premier qualifying points (PQP) Earn 90,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. * The 2,000 PQP are in addition to the PQP you can earn from card purchases. PQP help you reach Premier status, which gives you extra benefits like complimentary access to Economy Plus, seat upgrades, and more. * Plus, earn 10,000 bonus miles after you add an employee card to your account in the first 3 months your account is open. *

Card categories

  • Travel
  • Business

What you get

Rewards and benefits

How it earns

8x total miles on eligible United flights - 6x miles on the Primary Cardmember's fare from United as a MileagePlus member, plus 2x miles on entire United purchase with United Club Business Card. Mileage earning differs for Basic Economy or base option tickets. Premier members earn even more. * 2x miles on all other eligible United purchases * 5x miles on hotel stays when you prepay directly through Renowned Hotels and Resorts for United Cardmembers. *

  • United Club access, Premier Access travel services, and over $925 in annual partner credits.
  • Receive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with your United Club Business Card. * Enroll to receive up to $150 back as statement…

Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.

What it costs

Fees, rates and terms

Annual fee$695
Purchase APR19.99 %– 28.49 % variable APR.
Advertised credit profileIssuer determines eligibility; no minimum score published in the reviewed source.

The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Chase makes every lending decision.

Annual fee and first-year pricing
ANNUAL FEE $695
Foreign transaction fee
Purchases made with your United Club Business Card outside the U.S. will not be subject to foreign transaction fees. For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.
Bonus eligibility and restrictions
10,000 Bonus Miles After You Add An Authorized User In The First 3 Months From Account Opening: This product is not available to either (i) current Cardmembers of this credit card, or (ii) previous Cardmembers of this credit card who received a new Cardmember bonus for this credit card within the last 24 months. With this bonus offer, you will qualify and receive 10,000 bonus miles after your addition of an authorized user to your account during the first 3 months from account opening. 10,000 bonus miles will only be awarded once, for the first authorized user added to your account regardless of how many total authorized users you add to your account. After qualifying, please allow 6 to 8 weeks for bonus miles to post to your account. To be eligible for this bonus offer, account must be open and not in default, and authorized user must be on your account at the time of fulfillment. These miles do not count toward Premier status. If your account is not open for at least 6 months, United and Chase reserve the right to deduct the bonus miles from your MileagePlus Program account. Chase is not responsible for the provision of, or failure to provide, the 10,000 bonus miles, which will post directly to your MileagePlus account and not appear on your credit card statement.
Statement credits and enrollment
Receive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with your United Club Business Card. * Enroll to receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with your United Club Business Card: up to $12 back as a statement credit each month from January through November, and up to $18 back for the month of December. Yearly opt-in is required. * Enroll to receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with your United Club℠ Business Card: up to $12 back as a statement credit each month from January through November, and up to $18 back for the month of December. Yearly opt-in is required. * Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using your United Club Business Card. JSX is a crowd-free hop-on jet service that offers you the perks of private jet travel without the private jet price tag. To learn more, visit united.com/JSX . *
Purchase protection and extended warranty
Specific limitations apply to New York residents: Lost Luggage Reimbursement – additionally limited to $2,000 per bag and $10,000 for all covered travelers per trip. Purchase Protection – coverage period is 90 days from the date of purchase.

Recorded from Chase’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.

Your call

Before you apply for the United Club Business Card

  1. This card records an annual fee. Compare the value of benefits you will genuinely use against that recurring cost and a no-fee alternative.
  2. For travel rewards, test the redemption you would actually book. Portal restrictions, transfer availability and taxes can change the value of points.
  3. Treat an eligible welcome offer as first-year value only, separately from ongoing rewards. Review spend requirements and account eligibility.
  4. Confirm business eligibility, employee-card fees and any personal-guarantee requirements.
  5. Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.

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