Benefit Activation Checklist
Step-by-step guide to activate and maximize every benefit on this card.
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Non-Affiliate Offer
United Club℠ Business Card
Welcome Offer
Up to 110,000 Bonus Miles + 2,000 PQP
Earn 100,000 bonus miles + 2,000 Premier qualifying points (PQP) after spending $5,000 on purchases in the first 3 months from account opening, plus 10,000 bonus miles after adding an employee card to your account in the first 3 months — up to 110,000 miles + 2,000 PQP total.
How to Earn Rewards
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 the entire United purchase
5x
Miles on hotel stays when you prepay directly through Renowned Hotels and Resorts for United® Cardmembers
2x
Miles on all other eligible United purchases (excluding Cruises, MileagePlus X, DIRECTV®, Merchandise Awards)
1.5x
Miles on all other purchases
Key Benefits
Tap any benefit to see details.
United Club℠ Membership (At Least $750/Year Value)
Unlimited access to over 45 United Club locations worldwide for the cardholder + 1 adult guest + dependent children under 18. Buying United Club membership directly costs $750/year — alone covers more than the card's $695 AF. UNLOCK All Access membership (with Star Alliance lounge access + 2 adult guests) by reaching MileagePlus Premier Gold status OR spending $50,000 in a calendar year.
Free First AND Second Checked Bags ($360 Roundtrip Savings)
Free first AND second checked bag for cardholder + 1 companion on same reservation, when you charge the United ticket to your card. Saves up to $360 per roundtrip ($45 first bag + $35 second bag × 2 directions × 2 passengers).
Up to $200 Renowned Hotels Credit + $100 Property Credit + Suite of Perks
Up to $200 in statement credits annually for prepaid Renowned Hotels and Resorts for United® Cardmembers bookings. Each booking also includes: $100 property credit, daily breakfast for two, complimentary WiFi, room upgrade and early check-in/late check-out (when available).
Up to $200 JSX Flight Credit Annually
Up to $200 in statement credits each anniversary year for flights purchased directly through JSX (semi-private regional airline) with this card.
5,000 Better-Together Bonus Miles Annually (with Personal United Card)
Receive 5,000 bonus miles each card account anniversary year if you also hold a personal United credit card (Gateway, Explorer, Quest, or Club Card). Easy bonus that compounds with personal-card holdings.
Up to $150 Rideshare Credit Annually
Up to $150 in rideshare credits each calendar year ($12/month Jan-Nov, $18/month December = $150 total). Enrollment required annually.
Up to $240 Instacart Credits Annually
Up to $240 in Instacart credits each calendar year ($10 × 2 monthly + $10 monthly = $240). Plus 1-year Instacart+ membership complimentary.
Up to $100 Avis/Budget Credit (TravelBank Cash)
Up to $100 in United TravelBank cash for first and second Avis or Budget car rentals booked through cars.united.com (paid with this card). $50 TravelBank cash on each of first 2 rentals.
Up to $50 FareLock Credit Annually
Up to $50 statement credit each anniversary year when paying for United's FareLock service (locks an airfare for 3-14 days while you decide).
Complimentary Instacart+ Membership (~$99/year, Through 12/31/27)
Complimentary Instacart+ membership ($99/year value) — provides $0 delivery fees on $35+ orders, reduced service fees, and other perks. Through 12/31/27.
4 United Club All Access Guest Passes Annually (Over $200 Value)
4 one-time All Access Guest Passes annually for use at any United Club location for additional companions. Worth over $200 in single-visit equivalent value.
Premier Access® Travel Services (~$25-50 Per Trip)
Priority check-in, priority security screening, priority boarding, and priority baggage handling on United-operated flights for cardholder + companions on same reservation.
1-Year Complimentary DashPass + Caviar Membership
Complimentary 1-year DashPass membership for both DoorDash and Caviar — $0 delivery fees on eligible orders + reduced service fees.
Complimentary Avis President's Club® Status
Top-tier Avis status: guaranteed car availability + 2-class upgrades + expedited service + free additional driver + bonus rewards.
Complimentary IHG® One Rewards Platinum Elite Status
IHG Platinum Elite status: room upgrades when available, extended 4 PM checkout, bonus points on stays, complimentary breakfast at select brands.
2 Global Economy Plus® Seat Upgrades Annually (After $40K Spend)
Earn 2 Economy Plus seat upgrades each calendar year after spending $40,000+ on the card in that year. Upgrades valid on any United or United Express-operated flight (not just continental U.S. like the personal United Business card's $25K threshold).
Earn 1 PQP Per $15 Spent (Up to 28,000 PQP/Year toward Elite Status)
Earn 1 Premier Qualifying Point (PQP) for every $15 spent on the card, up to 28,000 PQP per calendar year. Helps qualify for MileagePlus Premier elite tiers (Silver: 5K PQP, Gold: 12K PQP, Platinum: 24K PQP, 1K: 36K PQP).
1,500 PQP Bonus Each February (Account Open by Dec 31)
Starting in 2026: receive a 1,500 PQP bonus after February 1 of each year, provided your card was opened by December 31 of the prior year. Direct boost toward Premier elite qualification.
10-15% Savings on Award Flights Booked with Miles
Save 10% on the miles needed to book an eligible United-operated award flight. Premier members earn higher discounts: Silver = 10%, Gold = 12%, Platinum = 15%, 1K = 15%. Effectively makes United awards cheaper for cardholders.
Pay Yourself Back® for Annual Fee (50K Miles = $695 Statement Credit)
Use 50,000 MileagePlus miles to cover the $695 annual fee via the Pay Yourself Back® feature. This effectively makes the annual fee a 'mile dump' option at about 1.39 cpp redemption value.
25% Back on United Inflight + Club Premium Drink Purchases
25% statement credit on inflight food, beverages, WiFi, and Club premium drink purchases on United-operated flights when paid with this card.
No Foreign Transaction Fees
No foreign transaction fees on international purchases.
Auto Rental CDW PRIMARY for Business Rentals
PRIMARY auto rental collision damage waiver coverage for business rentals (most cards offer secondary). Charge entire rental cost to card and decline rental company's CDW.
Trip Cancel/Interrupt + Trip Delay + Lost Luggage + Baggage Delay + Travel Accident
Comprehensive travel insurance package: Trip Cancellation/Interruption Insurance, Trip Delay Reimbursement, Lost Luggage Reimbursement, Baggage Delay Insurance, Travel Accident Insurance.
Purchase Protection + Return Protection ($500/Item, $1K/Year)
Purchase protection covers eligible new purchases against damage or theft. Return protection reimburses up to $500/item ($1,000/year) when retailer won't take an item back within 90 days.
Doesn't Report to Personal Credit (5/24 Friendly Post-Approval)
As a Chase business card, this does NOT report to your personal credit report — does NOT count toward Chase's 5/24 rule once approved (though it counts when you APPLY).
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
This is a very high annual fee card that really only makes sense for people who are extremely loyal to United and want to get specific United Club Access.
Lounge Access Details
Networks Included
United Club
Guest Access
1 adult guest + all dependent children under 18 at United Club locations
AU policy not specified in article.
Benefits Calculator
What's the United Club℠ Business Card worth to you? Get a personalized estimate.
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Benefits Calculator
What's the United Club℠ Business Card worth to you? Get a personalized estimate.
United Club℠ Business Card Benefits Calculator
Enter your personal estimated annual value for each benefit to see a customized calculation of the card's worth.
Unlimited access to over 45 United Club locations worldwide for the cardholder + 1 adult guest + dependent children under 18. Buying United Club membership directly costs $750/year — alone covers more than the card's $695 AF. UNLOCK All Access membership (with Star Alliance lounge access + 2 adult guests) by reaching MileagePlus Premier Gold status OR spending $50,000 in a calendar year.
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Free first AND second checked bag for cardholder + 1 companion on same reservation, when you charge the United ticket to your card. Saves up to $360 per roundtrip ($45 first bag + $35 second bag × 2 directions × 2 passengers). (per-use benefit — value depends on how often you'll use it)
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Up to $200 in statement credits annually for prepaid Renowned Hotels and Resorts for United® Cardmembers bookings. Each booking also includes: $100 property credit, daily breakfast for two, complimentary WiFi, room upgrade and early check-in/late check-out (when available).
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Up to $200 in statement credits each anniversary year for flights purchased directly through JSX (semi-private regional airline) with this card.
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Receive 5,000 bonus miles each card account anniversary year if you also hold a personal United credit card (Gateway, Explorer, Quest, or Club Card). Easy bonus that compounds with personal-card holdings.
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Up to $150 in rideshare credits each calendar year ($12/month Jan-Nov, $18/month December = $150 total). Enrollment required annually.
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Up to $240 in Instacart credits each calendar year ($10 × 2 monthly + $10 monthly = $240). Plus 1-year Instacart+ membership complimentary.
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Up to $100 in United TravelBank cash for first and second Avis or Budget car rentals booked through cars.united.com (paid with this card). $50 TravelBank cash on each of first 2 rentals.
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Up to $50 statement credit each anniversary year when paying for United's FareLock service (locks an airfare for 3-14 days while you decide).
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Complimentary Instacart+ membership ($99/year value) — provides $0 delivery fees on $35+ orders, reduced service fees, and other perks. Through 12/31/27.
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4 one-time All Access Guest Passes annually for use at any United Club location for additional companions. Worth over $200 in single-visit equivalent value.
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Priority check-in, priority security screening, priority boarding, and priority baggage handling on United-operated flights for cardholder + companions on same reservation. (per-use benefit — value depends on how often you'll use it)
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Your Total Annual Value
$0
Annual Fee: $695
Your Net Value / Cost
$0
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 100,000 Bonus Miles + 2,000 PQPCurrentElevated | $5,000 in 3 mo | Current public baseline (without employee card bonus) |
| Up to 110,000 Miles + 2,000 PQP (100K + 10K Employee Card Bonus)CurrentElevated | $5,000 in 3 mo + employee card | Current (as of Jan 30, 2026) |
| 50,000 - 75,000 Bonus Miles | Variable spend | Standard offer range historically |
| 80,000 Bonus Miles + 2,000 PQP (Old Page Display) | $5,000 in 3 mo | Long-term baseline (now superseded) |
| 125,000 Bonus MilesElevated | $5,000 in 3 mo | Limited-time launch offer when card refreshed March 2025 |
| 135,000 Bonus MilesElevated | Standard spend | Highest-ever |
