United ClubSM Business Card Review for 2023
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Nancy Fernandez is a Credit Card and Insurance Expert at Fit Small Business, specializing in business credit cards and business insurance.
This article is part of a larger series on Best Small Business Credit Cards.
United ClubSM Business Card is designed for business owners who fly primarily with United Airlines, regularly have their bags checked, and want access to airport lounges. This small business credit card offers travel rewards that can be redeemed for free flights with United and its partner airlines. The $450 annual fee includes a United Club membership, valued at $650 per year.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
United Club℠ Business Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
United Airlines enthusiasts who use airport lounge access regularly
Intro APR
N/A
Regular APR
20.24% to 27.24% Variable
Annual Fee
$450
Credit Needed
Good - Excellent
- 75,000 bonus miles after spending $5,000 on purchases within the first three months after account opening
- United ClubSM membership
- Two Premier Access® travel services
- First and second checked bag free
- Earn double miles on tickets purchased from United
- Earn 1.5 miles per $1 spent on all other purchases
- No foreign transaction fees
Pros
- Offers free first and second checked bags
- With sign-up bonus
- With lounge membership
Cons
- Charges high annual fee
- Has no 0% introductory APR
- Rewards have limited flexibility
- United Club membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.
- Avis President’s Club®: Primary cardholders are invited to enroll in Avis President’s Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental services, and more.
- Free two checked bags: The primary cardholder and their companion traveling with the same reservation will each receive free checked bags (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person).
- Lost luggage reimbursement: You and your immediate family member are covered up to $3,000 if you check or carry luggage damaged or lost by the carrier.
- Baggage delay insurance: If there’s a baggage delay of more than six hours, you can be reimbursed for essential purchases, such as toiletries and clothing, up to $100 a day for three days.
Intro APR
N/A
Regular APR
20.24% to 27.24% Variable
Annual Fee
$450
Credit Needed
Good - Excellent
- 75,000 bonus miles after spending $5,000 on purchases within the first three months after account opening
- United ClubSM membership
- Two Premier Access® travel services
- First and second checked bag free
- Earn double miles on tickets purchased from United
- Earn 1.5 miles per $1 spent on all other purchases
- No foreign transaction fees
Pros
- Offers free first and second checked bags
- With sign-up bonus
- With lounge membership
Cons
- Charges high annual fee
- Has no 0% introductory APR
- Rewards have limited flexibility
- United Club membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.
- Avis President’s Club®: Primary cardholders are invited to enroll in Avis President’s Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental services, and more.
- Free two checked bags: The primary cardholder and their companion traveling with the same reservation will each receive free checked bags (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person).
- Lost luggage reimbursement: You and your immediate family member are covered up to $3,000 if you check or carry luggage damaged or lost by the carrier.
- Baggage delay insurance: If there’s a baggage delay of more than six hours, you can be reimbursed for essential purchases, such as toiletries and clothing, up to $100 a day for three days.
How We Evaluate Travel Rewards Business Credit Cards
When grading travel rewards business credit cards like the United ClubSM Business Card, we give the most weight to ongoing rewards, introductory rewards, and additional features. We also consider the card’s annual fee and introductory and ongoing annual percentage rates (APRs).
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 18 | 25 |
Introductory Rewards | 15 | 25 |
Additional Features | 25 | 25 |
Annual Fee | 7 | 15 |
Introductory APR | 0 | 5 |
Ongoing APR | 2 | 5 |
Total Score | 67 | 100 |
Who the United ClubSM Business Card Is Best For
- Those who fly with United Airlines frequently: The card features a United Club membership and travel rewards that can be redeemed for free flights with United Airlines and its affiliates.
- Those who check bags regularly: It’s ideal for owners who check bags on United flights because it allows them and one traveling companion to check two bags each for free each way.
- Those who want airport lounge access: It can give you free access to all United Club locations and participating Star AllianceTM affiliated lounges worldwide.
See our recommended alternatives below if this card doesn’t fit your business needs.
United ClubSM Business Card Fees
APRs
- Introductory: None
- Ongoing, balance transfer, and My Chase LoanSM: 20.24% to 27.24% variable, which will adjust based on the prime rate
- Cash advance: 29.24% variable, which will adjust based on the prime rate
- Penalty: Up to 29.99% variable, which will adjust based on the prime rate; will be applied indefinitely to your account if you
- Fail to make a minimum payment by the date and time it’s due
- Made an unpaid returned payment
Fees
- Annual: $450
- My Chase PlanSM Fee (fixed finance charge): Monthly fee of 1.72% of either the amount of each eligible purchase or the amount selected to create a My Chase Plan
- Balance transfer: $5 or 5% of the amount of each transfer, whichever is greater
- Cash advance: $15 or 5% of the amount of each transaction, whichever is greater
- Foreign transaction: None
- Late and return payment: $40
- Return check: None
Your due date is at least 20 days after the close of each billing cycle.
United ClubSM Business Card Rewards
- 75,000 bonus miles after spending $5,000 on purchases within the first three months after account opening
- 2x miles on United purchases, including tickets, Economy Plus®, inflight food, beverages, Wi-Fi, and other United charges
- 1.5x miles on all other purchases
Earn 500 Premier qualifying points (PQP) after spending $12,000 on purchases, up to 1,000 PQPs per calendar year—which can be used for your Premier status qualification. Getting Premier Access® travel services would mean getting preferential treatment to ease your way through the airport, i.e., priority check-in, security screening, boarding, and baggage handling privileges (when available).
You can also get employee cards at no additional cost. Miles earned from these cards accrue in your account, allowing you to earn rewards faster.
How To Make Payments on the United ClubSM Business Card
- Online or Chase Mobile® App: Go to chase.com/paycard to pay online. You can also enroll in automatic payments through the website or iOS and Android mobile app. When you enroll, specify the deposit account from which your payment will be deducted and how much you’d like to pay, such as your statement balance, minimum payment due, or any fixed amount.
- Phone: Call the automated phone service at (800) 436-7958.
- Mail or money order: Include your name and full account number on your check or money order; don’t send cash. Mail your payment to the following address:
Cardmember Services
PO Box 6294
Carol Stream, IL 60197-6294
- Western Union: Use the Code City WALNUT when you pay via Western Union. Note that it may take up to seven days for the payment to be reflected in your account.
- Nearest Chase ATM or branch: Find the nearest Chase ATM or branch to pay your bill.
United ClubSM Business Card Features
Travel rewards and benefits
- United ClubSM membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star AllianceTM affiliated lounges worldwide. Visit www.united.com for your updated status on United Club locations and any temporary closures.
- Free two checked bags: The primary cardholder and their companion traveling in the same reservation will each receive free checked bags (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person). Visit United’s website for more information.
- Discount on United inflight and Club premium drink purchases: Get 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on United-operated flights and Club premium drinks when paying with this card.
- Avis President’s Club®: Primary cardholders are invited to enroll in Avis President’s Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental services, and more. Visit the provider’s website for more information.
Travel & purchase coverage
- Trip cancellation/interruption insurance: If your trip is canceled or cut short by sickness, severe weather, or other covered situations, you can be reimbursed. This is up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses made with this card, including passenger fares, tours, and hotels.
- Baggage delay insurance: If there’s a baggage delay of more than six hours, you can be reimbursed for essential purchases, such as toiletries and clothing, up to $100 a day for three days.
- Lost luggage reimbursement: You and your immediate family member are covered up to $3,000 if you check or carry luggage damaged or lost by the carrier.
- Trip delay reimbursement: If your flight is delayed for more than 12 hours and you may require an overnight stay, you and your family members are covered for unreimbursed expenses made with this card, which is worth up to $500 per ticket.
- Auto rental collision damage waiver: You can decline the rental company’s collision insurance and charge the entire rental cost to this card. Coverage is considered primary when renting for business purposes. It provides reimbursement up to the vehicle’s actual cash value for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Your card covers your new purchases for 120 days against damage or theft—up to $10,000 per claim and $50,000 per account.
- Price protection: If a purchase made in the US is advertised for less in either print or digital form within 90 days of purchase, you can reimburse the difference—up to $500 per item and $2,500 per year.
- Return protection: You can reimburse eligible items the store won’t take back within 90 days of purchase—up to $500 per item, $1,000 per year.
- Extended warranty protection: Extends the US manufacturer’s warranty period by an additional year on eligible warranties of three years or less.
United ClubSM Business Card Alternatives
Capital One® Spark® Miles for Business
Capital One® Spark® Miles for Business
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Unlimited 2x miles with every swipe
Intro APR
N/A
Regular APR
25.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good
- Introductory reward worth $500 in travel after you spend $4,500 within the first three months
- 2x miles per $1 spent
- Issue employee cards for free
Pros
- No foreign transaction fees
- TSA PreCheck® or Global Entry application fee credit
Cons
- You’ll pay an annual fee after the first year
- Doesn’t offer interest-free financing
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
Intro APR
N/A
Regular APR
25.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good
- Introductory reward worth $500 in travel after you spend $4,500 within the first three months
- 2x miles per $1 spent
- Issue employee cards for free
Pros
- No foreign transaction fees
- TSA PreCheck® or Global Entry application fee credit
Cons
- You’ll pay an annual fee after the first year
- Doesn’t offer interest-free financing
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
- Capital One® Spark® Miles for Business is great for those who travel frequently and book hotels and rental cars through Capital One Travel
- Offers 5x unlimited reward miles, unlimited 2x miles on any business purchase, and up to $100 credit for Global Entry or TSA PreCheck®
- Allows you to get two free visits to a Capital One airport lounge each year
- Charges an annual fee of $95, waived for the first year
- Is our best business credit card for miles and one of our top business credit cards for travel
UnitedSM Business Card
United℠ Business Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Frequent United Airlines flyers who want to earn travel rewards
Intro APR
N/A
Regular APR
20.74% - 27.74% Variable
Annual Fee
$99
Credit Needed
Good - Excellent
- Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the UnitedSM Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United ClubSM one-time passes per year, and priority boarding privileges.
- Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
Pros
- Annual fee waived for the first year
- No foreign transaction fees
- Earn Premier Qualifying Points
Cons
- No 0% introductory APR
- Low ongoing travel rewards
- 25% back on United inflight purchases: Receive 25% back as a statement credit on purchases of food, beverages, and Wi-Fi onboard United- and United Express-operated flights.
- $100 United annual travel credit: Receive a $100 statement credit per year when you make a total of seven United flight travel-related purchases, including seat upgrades, Economy Plus®, inflight food, beverages, Wi-Fi, baggage service charges, or other United fees.
- Priority boarding: You and your companions traveling on the same reservation are eligible for priority boarding prior to general boarding.
- Earn Premier Qualifying Points (PQPs): You will earn 500 PQPs for every $12,000 in net purchases up to a maximum of 1,000 PQPs in a calendar year.
Intro APR
N/A
Regular APR
20.74% - 27.74% Variable
Annual Fee
$99
Credit Needed
Good - Excellent
- Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the UnitedSM Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United ClubSM one-time passes per year, and priority boarding privileges.
- Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
Pros
- Annual fee waived for the first year
- No foreign transaction fees
- Earn Premier Qualifying Points
Cons
- No 0% introductory APR
- Low ongoing travel rewards
- 25% back on United inflight purchases: Receive 25% back as a statement credit on purchases of food, beverages, and Wi-Fi onboard United- and United Express-operated flights.
- $100 United annual travel credit: Receive a $100 statement credit per year when you make a total of seven United flight travel-related purchases, including seat upgrades, Economy Plus®, inflight food, beverages, Wi-Fi, baggage service charges, or other United fees.
- Priority boarding: You and your companions traveling on the same reservation are eligible for priority boarding prior to general boarding.
- Earn Premier Qualifying Points (PQPs): You will earn 500 PQPs for every $12,000 in net purchases up to a maximum of 1,000 PQPs in a calendar year.
- UnitedSM Business Card is ideal for those who want a lower annual fee and better rewards under the United card brand
- Charges an annual fee of $99, waived for the first year
- Offers 2x miles per dollar spent on purchases from United® (tickets, Economy Plus®, inflight food, beverages, Wi-Fi, and others), dining, including eligible delivery services, gas stations, office supply stores, and local transit and commuting
- Doesn’t charge foreign transaction fees
- Is one of our recommended business credit cards with no foreign transaction fees and business credit cards for miles
American Express Business Platinum Card®
The Business Platinum Card® from American Express
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
Intro APR
N/A
Regular APR
18.74% - 26.74% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.
- $189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Intro APR
N/A
Regular APR
18.74% - 26.74% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.
- $189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
- American Express Business Platinum Card® is a good alternative if you want access to several airport lounges for you and up to two guests
- Lets you and up to two guests enjoy complimentary access to The Centurion Lounge—1,300 airport lounges in 140 countries around the world
- Offers 5x points on flights and prepaid hotels on amextravel.com, 1.5x points on eligible purchases in key business categories and on every purchase of $5,000 or more everywhere else, and 1x points on all other purchases
- Charges $695 in annual fees
- Is our leading business credit card with airport lounges and one of our top-recommended business credit cards for travel
For more options, see our guides on the best Chase business and leading small business credit cards. You can also head over to our Credit Card Marketplace.
Bottom Line
United ClubSM Business Card is an ideal travel card for business owners who often fly with United Airlines, want to use the United Club lounges, and have their bags checked. It offers several travel perks, including free checked bags, comprehensive travel and purchase coverages, and Premier Access® travel services. Note that other small business cards give you and your companions access to more than a thousand airport lounges, charge a lower annual fee, and offer better travel rewards.
