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United Club℠ Business Card
Chase

United Club℠ Business Card

A $695-a-year airline card from Chase.

Locked to United MileagePlus
Annual fee
$695/yr
Welcome bonus
110,000 miles
Min spend
$5,000 in 3 months
Recommended credit
Excellent (720+)
Network
Visa
Foreign transaction fee
None
Apply on Chase site5.8/10Our rating · review ›

Rates, fees, and full terms are set by Chase and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: Chase application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on travel and want travel rewards they can grow.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $695 annual fee.

Earning rates

2x miles on United purchases, 1.5x on everything else

Best ways to earn & redeem

Put your travel spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its travel rate is on the modest side for that category, so compare before you commit.

When you cash in, redeem the miles or points inside the single loyalty program this card is tied to. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

Full United Club membership
Free first checked bag for you and a companion
Premium annual travel credits
No foreign transaction fees

Lounge access

United Club membership: lounge access for you, one guest, and dependents under 18
Star Alliance partner lounges and 2 adult guests once you reach the All Access tier (Premier Gold status or $50,000 in annual spend)

Pairs well with

The United Club℠ Business Card earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the United Club℠ Business Card lands.

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