United Club℠ Business Card
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How we calculate effective rate →
The United Club℠ Business Card from Chase earns up to 1.8% effective value on dining in Madeen's catalog snapshot. Its annual fee is $695. New applicants may see: Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP) - earn 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open..
- Top category
- Dining
- Effective value
- 1.8%
- Annual fee
- $695
Worth a look for dining spend if you need a business card and can use United MileagePlus the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 1.5x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the United Club℠ Business Card earn in each category?
Dining is the strongest category at 1.8% effective value (1.5x miles at about 1.2 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how United Club℠ Business Card compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.8% effective value (1.5x miles at about 1.2 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how United Club℠ Business Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5x miles | 1.8% Top category |
| Grocery Supermarkets and grocery stores | 1.5x miles | 1.8% |
| Gas Gas stations and fuel | 1.5x miles | 1.8% |
| Travel Flights, hotels, transit | 1.5x miles | 1.8% |
| Other General everyday spend | 1.5x miles | 1.8% |
Madeen values United MileagePlus at about 1.2 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the United Club℠ Business Card?
The United Club℠ Business Card fits spenders who put meaningful volume in dining and can earn 1.5x miles. Best for spenders who put meaningful volume in dining and can earn 1.5x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
United Club℠ Business Card fits spenders who put meaningful volume in dining and can earn 1.5x miles. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1.5x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Less compelling if the $695 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use United MileagePlus the way you redeem today.
Pros
- Strongest Madeen category is dining at about 1.8% effective (1.5x miles).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $695 annual fee requires enough spend in bonus categories to offset.
- United MileagePlus value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the United Club℠ Business Card welcome bonus?
In Madeen's catalog snapshot, the United Club℠ Business Card welcome offer is Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP) - earn 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your.
- Offer
- 110k United MileagePlus (~$1320 estimated)
- Terms (catalog snapshot)
- Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP) - earn 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open.
- Minimum spend
- $5,000
- Window
- 3Months
Does the United Club℠ Business Card have an annual fee?
The United Club℠ Business Card has an annual fee of $695 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $695
- Foreign transaction fee
- None
What travel perks does the United Club℠ Business Card include?
The United Club℠ Business Card includes Lounge access, Free checked bag, 25% back on United inflight and Club premium drink purchases, Auto Rental Collision Damage Waiver and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Lounge access
$99/yrUnited Club Membership – up to a $650 value per year - United Club locations offer a place to work, relax, and enjoy complimentary beverages and snacks. Before you fly, you, as the primary Cardmember, and your eligible travel companions will enjoy access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.*Same page link to Offer Details For an updated list of United Club locations and any temporary closures, please visit united.com.
How we value this
Editorial: Priority Pass Standard individual membership lists at $99/year (2026); used as conservative lounge-access proxy when issuer does not specify visit caps.
Free checked bag
Free first and second checked bags – savings of up to $320 per roundtrip - The primary Cardmember and one companion traveling on the same reservation will each receive their first and second standard checked bags free (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person) on United-operated flights when the primary Cardmember includes their United MileagePlus® number in their reservation and purchases their tickets from United with their card.
What benefits come with the United Club℠ Business Card?
Up to $240 in Instacart Credits
$240/yrReceive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart with your United ClubSM Business Card. Terms apply. Benefits end 12/31/27.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Up to $200 in credits for Renowned Hotels and Resorts for United® Cardmembers
$200/yrReceive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with your United Club Business Card.
Up to $200 in credits on JSX purchases
$200/yrGet up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using your United Club Business Card. JSX is a hop-on jet service that offers a semi-private flying experience at commercial fares. To learn more, visit united.com/JSXOpens overlay.
Up to $150 in credits on rideshare purchases
$150/yrEnroll to receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with your United Club Business Card: $12 back as a statement credit each month from January through November, and up to $18 back for the month of December. Yearly opt-in is required.
Visa Concierge
$150/yrGet complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Up to $100 in United travel credits on Avis or Budget car purchases
$100/yrReceive $50 in United® TravelBank cash, up to $100, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with your United Club Business Card.
Up to $50 in credits on United FareLock purchases
$50/yrEarn up to $50 back as a statement credit each anniversary year after you buy FareLock with your United Club Business Card on a United - or United Express® - operated flight. Use FareLock to hold a seat on your flight for a set price for 3, 7, or 14 days and your ticket price won't go up during the hold period. To learn more about FareLock, visit united.com/FareLock
25% back on United inflight and Club premium drink purchases
$25/yr25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your United Club℠ Business Card.
Complimentary Instacart+ Membership
$25/yrGet complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and Terms apply. Benefits end 12/31/27.
Related encyclopedia topics
Common questions about the United Club℠ Business Card
Does the United Club℠ Business Card have an annual fee?
The United Club℠ Business Card carries an annual fee of $695 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the United Club℠ Business Card?
Dining is the strongest Madeen category for the United Club℠ Business Card at about 1.8% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the United Club℠ Business Card charge foreign transaction fees?
The United Club℠ Business Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the United Club℠ Business Card welcome bonus?
The United Club℠ Business Card welcome offer in our snapshot: Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP) - earn 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account in.
Is the United Club℠ Business Card annual fee worth it?
Whether the $695 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the United Club℠ Business Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the United Club℠ Business Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the United Club℠ Business Card compare to similar cards?
Compare the United Club℠ Business Card against Aeroplan Card (4.5% on Dining, $95 fee); Chase Sapphire Preferred Credit Card (3% on Dining, $95 fee); AARP (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
United Club℠ Business Card This card | Dining | 1.8% | $695 |
| Dining | 4.5% | $95 | |
| Dining | 3% | $95 | |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 |
Side-by-side comparisons
Store-specific guides
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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