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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
Unlimited access to United Club locations worldwide for the cardholder + 1 adult guest + dependent children under 18.
Free First and Second Checked Bags
Free first AND second checked bag for cardholder + 1 companion on same reservation, when you charge the United ticket to your card.
Up to $200 Renowned Hotels Credit + $100 Property Credit
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).
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.
Two $10 Instacart Credits Each Month
Up to $240 in Instacart credits each calendar year ($10 × 2 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 (Through 12/31/27)
Complimentary Instacart+ membership — 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
4 one-time All Access Guest Passes annually for use at any United Club location for additional companions.
Complimentary Avis President's Club® Status
Avis President's Club status, enrollment required
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.
10% Savings on United Award Flights
Save 10% on the miles needed to book an eligible United-operated award flight.
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.
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 United Club locations worldwide for the cardholder + 1 adult guest + dependent children under 18.
$
Free first AND second checked bag for cardholder + 1 companion on same reservation, when you charge the United ticket to your card. (per-use benefit — value depends on how often you'll use it)
$
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 in statement credits each anniversary year for flights purchased directly through JSX (semi-private regional airline) with this 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).
$
Up to $150 in rideshare credits each calendar year ($12/month Jan-Nov, $18/month December = $150 total). Enrollment required annually.
$
Up to $240 in Instacart credits each calendar year ($10 × 2 monthly = $240). Plus 1-year Instacart+ membership complimentary.
$
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 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 — provides $0 delivery fees on $35+ orders, reduced service fees, and other perks. Through 12/31/27.
$
4 one-time All Access Guest Passes annually for use at any United Club location for additional companions.
$
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 |
|---|---|---|
| Up to 110,000 Miles + 2,000 PQP (100K + 10K Employee Card Bonus)Elevated | $5,000 in 3 mo + employee card | Current |
| 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 |
