United Club Business Card
Chase · VISA
The United Club Business Card is a credit card from Chase on the VISA network. It has an annual fee of $695. It earns 5x on travel, 2x on everything else. The welcome offer is Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP) after qualifying activities.
Key facts
- Annual fee
- $695
- Purchase APR
- 19.74% - 28.24% variable APR
- Network
- VISA
- Welcome offer
- Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP) after qualifying activities.
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Travel | 5x | 5x on hotel stays when you prepay directly through |
| Everything else | 2x | 2x on all other eligible |
Benefits and perks
- United Club access, Premier Access travel services, and over $925 in annual partner credits.
- Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP) after qualifying activities.
- Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP) Earn 100,000 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. *
- Earn on all purchases NEW! 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. * 1.5x miles on all other purchases * Also, you'll receive a 5,000-mile better-together bonus each year when you have t
- Unlimited United Club access for you and a guest — $750+ value per year Your card includes United Club card membership— a $750+ value . Plus, unlock All Access membership when you reach Premier Gold status or spend $50,000 annually on your United Club Card. * Starting with your first anniversary and every anniversary thereafter, earn 4 United Club one-time passes when you have United Club All Access Membership and an employee card. *
- Free first and second checked bags The primary Cardmember and one companion can each check a first and second standard bags for free – save up to $440 per roundtrip. *
- Travel with United NEW! Save 10% or more when booking flights with miles. Premier members save even more. * Premier Access travel services - receive preferential treatment to ease your way through the airport with priority check-in, security screening, boarding, and baggage handling privileges (where available). * Earn 2 global Economy Plus seat upgrades after spending $40,000 each calendar year. * Earn up to 28,000 Premier qualifying points (PQP) - Earn 1 Premier Qualifying Point (PQP) for every $15 spent on purchases with your United Club Business card, up to 28,000 PQP per year. *
- Employee cards at no additional cost * Miles earned from their purchases accrue in your account so you can earn rewards faster. Plus, you can set up individual spending limits for each card.
Rates and fees
Annual membership fee: $695. Purchase APR: 19.74% - 28.24% variable APR, based on creditworthiness and the Prime Rate.
Rates and fees as published by the issuer and recorded on 7 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the United Club Business Card
What is the annual fee on the United Club Business Card?
The United Club Business Card has an annual fee of $695.
What rewards does the United Club Business Card earn?
The United Club Business Card earns 5x on travel, 2x on everything else.
Is the United Club Business Card worth it?
The United Club Business Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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