The United Club Business Card is the premium business credit card in the United MileagePlus lineup. Its core benefits include United Club Membership, two free checked bags, Premier Access, and strong PQP earning through business spending.
For business owners who frequently fly United, regularly use United Club lounges, or have substantial business expenses that can be used to accelerate United Premier Status, this is the most powerful United business card.
👉 Apply for the United Club Business Card
Benefits Overview
| Benefit | United Club Business Card |
|---|---|
| Annual Fee | US$695 |
| United Purchases | 2X MileagePlus Miles |
| Renowned Hotels and Resorts | 5X on eligible prepaid hotel bookings |
| Other Purchases | 1.5X |
| United Club Membership | United Club Membership |
| United Club All Access | Available after reaching Premier Gold or US$50,000 in calendar-year card spending |
| Free Checked Bags | First and second standard checked bags free for the primary cardmember + 1 companion on the same reservation |
| Premier Access | Priority Check-in, eligible Security Screening, Boarding and Baggage Handling |
| PQP | US$15 = 1 PQP, up to 28,000 PQP per calendar year |
| Economy Plus Upgrades | 2 Global Economy Plus Seat Upgrades after US$40,000 in calendar-year spending |
| Cardmember Award Pricing | Access to eligible Cardmember Pricing on United award flights |
| Complimentary Premier Upgrades | Available to eligible Premier members traveling on MileagePlus award tickets |
| Renowned Hotels Credit | Up to US$200 each cardmember year |
| Rideshare Credit | Up to US$150 per calendar year |
| Avis / Budget United Travel Credit | Up to US$100 each cardmember year |
| JSX Credit | Up to US$200 each cardmember year |
| FareLock Credit | Up to US$50 each cardmember year |
| Instacart Credit | Up to US$240 per calendar year, currently through Dec 31, 2027 |
| IHG One Rewards Status | Platinum Elite Status |
| Avis Status | Avis President’s Club |
| United Inflight Purchases / United Club Premium Drinks | 25% back on eligible purchases |
| Foreign Transaction Fee | 0% |
United Club Membership
The defining benefit of the United Club Business Card is United Club Membership.
The primary cardmember receives access to eligible United Club locations and can bring one adult guest plus dependent children, subject to United Club membership rules.
Cardmembers who reach Premier Gold or spend US$50,000 in a calendar year on the card can unlock United Club All Access Membership.
All Access expands lounge privileges and provides access to eligible Star Alliance member lounges when traveling on qualifying itineraries.
US$15 = 1 PQP
For high-spending business owners, one of the most important features of the United Club Business Card is its ability to generate Premier Qualifying Points (PQP) from business expenses.
Eligible card spending earns:
US$15 = 1 PQP
Cardmembers can earn up to:
28,000 PQP per calendar year
through eligible card spending.
These PQP can count toward United Premier Status, including qualification for Premier 1K.
Compared with the United Business Card, which earns 1 PQP per US$20 with a much lower annual PQP cap, the United Club Business Card is considerably more powerful for business owners who want to convert substantial credit card spending into United elite-status progress.
Conclusion
The United Club Business Card is best suited to business owners who frequently use United Club lounges and high-spending cardholders who want to accelerate United Premier Status through business expenses.
Its core combination is United Club Membership + two free checked bags + Premier Access + US$15 = 1 PQP.
If you only need basic United travel benefits, the United Business Card is likely sufficient. If both lounge access and Premier Status are priorities, the United Club Business Card is the stronger option.
Historical Welcome Offers
| Date | Welcome Offer | Spending Requirement |
|---|---|---|
| May 2026 | 100,000 Miles + 2,000 PQP | US$5,000 / 3 months |
| Jan–May 2026 | 100,000 Miles | US$5,000 / 3 months |
| Jun–Nov 2025 | 100,000 Miles | US$5,000 / 3 months |
| Mar–Jun 2025 | 125,000 Miles | US$5,000 / 3 months |
| Sep 2024–Mar 2025 | 80,000 Miles | US$5,000 / 3 months |
| Jun–Sep 2024 | 100,000 Miles | US$5,000 / 3 months |
👉 Apply for the United Club Business Card
United MileagePlus Personal Cards
| Credit Card | Annual Fee | Key Benefits | Foreign Transaction Fee |
| United Gateway Card | US$0 | 2X United, 2X Gas / Transit, Cardmember Award Pricing | 0% |
| United Explorer Card | US$0 first year, then US$150 | First Checked Bag Free, 2 United Club One-Time Passes, Priority Boarding | 0% |
| United Quest Card | US$350 | US$200 United Travel Credit, 2 Free Checked Bags, Award Discount | 0% |
| United Club Card | US$695 | United Club Membership, 2 Free Checked Bags, Premier Access | 0% |
United MileagePlus Business Cards
| Credit Card | Annual Fee | Key Benefits | Foreign Transaction Fee |
| United Business Card | US$150 | First Checked Bag Free, 2 United Club One-Time Passes, 5K Better-Together Bonus | 0% |
| United Club Business Card | US$695 | United Club Membership, 2 Free Checked Bags, Premier Access | 0% |
Application Rules & Restrictions
When applying for Chase credit cards, keep these key rules in mind:
– 5/24 Rule: If you have opened 5 or more credit card accounts that appear on your personal credit report within the past 24 months, it will generally affect your ability to get approved for a new Chase Card. Most Business Cards that do not report to personal credit reports generally do not add to your 5/24 count.
– Welcome Offer Eligibility: Different Chase Cards have their own Welcome Offer restrictions, and some products also have Card Family Restrictions. Being under 5/24 does not necessarily mean you are eligible for a Welcome Offer.
– Application Timing: Chase does not publish a simple fixed application interval, but submitting multiple Chase applications within a short period may affect approval.
A simple Chase application strategy is:
Check 5/24 → Check Welcome Offer / Family Eligibility → Submit Application
Actual application and Welcome Offer Eligibility requirements are subject to the current terms of each Chase Card.
How Can Foreigners Apply for Chase Credit Cards?
Foreign applicants generally need to establish some U.S. Credit History before applying for Chase credit cards.
If you are new to the U.S. credit card market, one strategy is to first obtain a U.S. Amex through Amex Global Transfer, build your U.S. credit history, and then consider applying for Chase.
Amex Global Transfer → U.S. Amex → Build U.S. Credit History → Chase
Applicants must still meet Chase’s current requirements regarding identification, address, credit history, and other application criteria.
