United Club Business Card
- Best for: Business owners who fly United often enough to buy a United Club membership anyway
- What Sets It Apart: United Club membership for you, an adult guest, and your children under 18; free first and second checked bags for you and a companion; Premier Access priority lanes for you and companions on your reservation
- Cost: $695 annual fee; 19.99% to 28.49% variable APR; no foreign transaction fees; employee cards at no added cost
- Welcome Offer: Up to 100,000 bonus miles: 90,000 and 2,000 Premier qualifying points after $5,000 in purchases, and 10,000 for adding an employee card, both in the first 3 months; not available if you’ve earned this card’s bonus in the past 24 months
- Rewards: 2 miles per $1 on United purchases; 5 on hotels prepaid through Renowned Hotels and Resorts; 1.5 on everything else; 1 Premier qualifying point per $15 spent, up to 28,000 a year
- Features: All Access, adding a second adult guest and Star Alliance partner lounges, after $50,000 in purchases in a calendar year or Premier Gold status; $925-plus in yearly partner credits; 10% or more off United award flights
- Pros: Fee is $55 less than United’s $750 individual membership, which admits no guests; free bags save up to $440 on one round trip, by Chase’s count; welcome offer worth about $1,200 at NerdWallet’s value of 1.2 cents a mile
- Cons: Employees get club access and free bags only when traveling with you; 2 miles per $1 on United purchases, versus 5 on the $695 personal United Club Card; you’re personally liable for the balance along with your business; no companion ticket
Get the United Club Business Card if you fly United often enough to buy a United Club lounge membership anyway. The card’s $695 annual fee is $55 less than the $750 United charges for an individual membership, which admits no guests, and the card’s membership admits one. If you fly United only occasionally, skip it.
Chase issues this business version of the United Club Card to companies and sole proprietors, side businesses included. Sole proprietors can apply with a Social Security number instead of a business tax ID.
Key Features
- $695 annual fee, 19.99% to 28.49% variable APR, and no foreign transaction fees
- 90,000 bonus miles after $5,000 in purchases and 10,000 for adding an employee card, both in the first 3 months, unless you’ve earned this card’s bonus in the past 24 months
- 2 miles per $1 on United purchases, 5 on hotels prepaid through Chase’s Renowned Hotels and Resorts program, and 1.5 on everything else
- United Club membership for you, an adult guest, and your children under 18
- Free first and second checked bags for you and a companion on United flights you buy with the card
Pros
- Free bags worth up to $440 on one round trip for two, by Chase’s count
- Premier Access priority check-in, security screening, and boarding
- Premier qualifying points toward United elite status, 2,000 with the welcome offer and 1 per $15 spent, employee purchases included, up to 28,000 a year
- 1.5 miles per $1 on everyday spending, worth about 1.8 cents per dollar at NerdWallet’s estimate of 1.2 cents a mile on award flights
Cons
- Partner-airline lounges and a second adult guest need All Access, earned by reaching Premier Gold status or $50,000 in purchases within a calendar year
- Employees get club access and free bags only when traveling with you, except four one-time club passes a year with All Access
- 2 miles per $1 on United purchases, versus 5 on the personal United Club Card at the same $695 fee
- $925-plus in yearly credits tied to six uses, from rideshares to JSX flights, useful only for spending you’d do anyway
If you already pay United $750 for an individual club membership, replace it with this card at renewal. If you fly United only a few times a year, the $150 United Business Card covers a first checked bag and two one-time club passes a year.
Editorial & Advertiser Disclosure: The editorial content on this page is not provided, commissioned, reviewed, approved, or otherwise endorsed by any advertiser. Opinions expressed here are ours alone, not those of any advertiser. The offers that appear on this site are from companies that compensate us. That compensation may influence which products we cover and where and how they appear on a page – including the order in which they appear – but it does not influence our evaluations, ratings, or opinions. We do not include every company or offer available in the marketplace.
Related:
