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Current welcome offer
Earn 80,000 bonus miles + 2,000 Premier qualifying points (PQP)
Earn 80,000 bonus miles + 2,000 Premier qualifying points (PQP) after you spend $5,000 on purchases in the first 3 months your account is open.
Annual Fee
$695
How to Earn Rewards
7x
5x miles on fare from United as a MileagePlus member, plus 2x miles on entire United purchase with the United Club Business Card.
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.
Benefits
Receive a 5,000-mile better-together bonus each year when you have the United Club Business card and a personal United credit card.
United Club℠ membership – up to $650 value per year
Free first and second checked bags – a savings of up to $360 per roundtrip (terms apply).
Up to $200 in credits annually. Receive on prepaid hotel stays purchased directly through Renowned Hotels and Resorts for United® Cardmembers with your United Club℠ Business Card.
Up to $150 in credits each calendar year. Enroll to receive on rideshare purchases when you pay with your United Club℠ Business Card.
Up to $100 in United travel credits annually. Receive when you book Avis or Budget car rentals directly through cars.united.com and pay with your United Club℠ Business Card.
Up to $240 in Instacart credits each calendar year. Receive for purchases made directly through Instacart with your United Club℠ Business Card.
Up to $200 in credits annually. Receive on flights purchased directly through JSX with your United Club℠ Business Card.
Up to $50 in credits on FareLock purchases annually. Earn when you buy FareLock on a United – or United Express® – operated flight.
My Take
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.
Offer History
Highest ever offer on this card was 135,000 miles. Standard offers have bounced between 50,000 and 75,000 miles.
CARD BENEFIT CALCULATOR
United Club℠ Business Card: What's It Worth to You?
Enter your personal estimated annual value for each benefit to see a customized calculation of the card's worth.
Your Total Annual Value:
Annual Fee: $695
Your Net Value / Cost:
CARD BENEFIT CHECKLIST
United Club℠ Business Card Benefit Checklist
A handy guide for Katie's Travel Tricks readers to maximize your card benefits.
Reminder: Access for you and eligible guests (at least $750 value).
Reminder: 4 one-time passes annually (over $200 value).
Reminder: For you and a companion (up to $360 per roundtrip).
Reminder: Priority check-in, security, boarding & baggage (~$25-50 value per trip).
Reminder: $200 back on prepaid stays annually.
Reminder: $200 back on JSX flights annually.
Reminder: Up to $12/mo Jan-Nov, $18 Dec.
Reminder: $50 TravelBank cash on first two rentals.
Reminder: $50 back on FareLock purchases annually.
Reminder: Guaranteed car, two-class upgrades.
Reminder: Room upgrades, extended checkout, bonus points.
Reminder: Two $10 credits monthly (up to $240 total).
Reminder: Complimentary membership (~$99/year value, ends 12/31/27).
Reminder: Trip/Baggage Insurance, Auto Rental CDW, Purchase/Return/Warranty Protection & more.
Learn More About United Club℠ Business Card
See how you can use these points for a trip to Southeast Asia.
Use these points to fly on the Hello Kitty Plane.
See how to use these points for a Hawaii trip.
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