United Club Business: Premium Travel Perks with Lounge Access

Welcome Offer

• Earn 100,000 bonus miles + 2,000 Premier Qualifying Points (PQP) after spending $5,000 in the first three months.
• Earn 10,000 bonus miles after you add an employee card in the first three months.

Rewards

• 8X Miles on United Flights: 6X miles as a MileagePlus member + 2X miles with the United Club Business Card.
• 2X Miles on all other eligible United purchases.
• 5X Miles on hotel stays when you prepay directly through Renowned Hotels and Resorts.
• 1.5X Miles on all other purchases.

Redemption Options

• Redeem miles for flights, hotel stays, car rentals, shopping, and more.

Fees and APR

• Annual Fee: $695.
• Regular APR: 19.74% - 28.24% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Annual Credits & Statement Credits

• Up to $200 Renowned Hotels & Resorts Credit: Get up to $200 in annual statement credits when you book and pay for prepaid stays through Renowned Hotels and Resorts with your United Club℠ Business Card.
• Up to $150 Rideshare Credit: Earn up to $150 in statement credits each calendar year on rideshare purchases – up to $12 per month from January to November and up to $18 in December. Enrollment required.
• Up to $100 in Avis/Budget Travel Credits: Earn up to $100 in United^® TravelBank cash each anniversary year – get $50 after each of your first two Avis or Budget rentals booked through (cars.united.com)[https://cars.united.com/#/searchcars] and paid with your United Club℠ Business Card.
• Up to $240 Instacart Credit: Earn up to $240 in statement credits annually – get two $10 credits each month on Instacart purchases when you pay with your United Club℠ Business Card. Ends 12/31/27.
• Up to $200 JSX Credit: Get up to $200 in statement credits each anniversary year on flights booked directly with JSX using your United Club℠ Business Card.
• Up to $50 in FareLock Credits: Get up to $50 in statement credits each anniversary year on United FareLock purchases for United or United Express^® flights when you pay with your United Club℠ Business Card.

Lounge Access

• United Club Membership: Enjoy United Club access worldwide for you and eligible travel companions – a benefit valued at $750+ per year.
• United Club All Access Membership: Unlock All Access by reaching Premier Gold status or spending $50,000 annually. Includes entry for you and up to two adult guests (or one adult guest plus dependent children) at United Club and Star Alliance lounges.
• United Club One-Time Passes: Earn four United Club one-time passes each year starting on your first anniversary when you have United Club All Access membership and an authorized user.

Travel Benefits

• Free Checked Bags: the primary cardmember and one companion receive the first and second checked bags free, saving up to $360 per round trip.
• Premier Access^® Travel Services: Enjoy priority check-in, security screening, boarding, and baggage handling privileges where available.
• Global Economy Plus^® Seat Upgrades: Earn two global Economy Plus^® seat upgrades after spending $40,000 in a calendar year on your card.
• 25% Savings on Inflight and Club Purchases: Receive 25% back on United inflight and Club premium drink purchases.
• Avis President’s Club: Complimentary enrollment offering benefits such as two-car class upgrades, guaranteed availability, expedited rental service, and more.
• Renowned Hotels & Resorts Benefits: Enjoy premium perks when booking through Renowned Hotels and Resorts, including a $100 property credit, daily breakfast for two, complimentary Wi-Fi, and room upgrades with early check-in and late checkout (when available).

Airline Elite Status - United MileagePlus^® Premier^® Status

• Premier Qualifying Points (PQP): Earn 1 PQP for every $15 spent, up to 28,000 PQP per year. PQP count toward United MileagePlus^® Premier status (up to Premier 1K^®).
• Premier Upgrades on Award Tickets: If you have MileagePlus^® Premier^® status, you and one companion on the same reservation may be eligible for complimentary upgrades on select United and United Express flights (subject to availability).

Travel Protections

• Trip Cancellation & Interruption Insurance: Get reimbursed up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.
• Baggage Delay Insurance: Get reimbursed up to $100 per day for up to 3 days for essential purchases if your baggage is delayed more than 6 hours.
• Lost Luggage Reimbursement: Get up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
• Trip Delay Reimbursement: If your trip is delayed by more than 12 hours or requires an overnight stay, you can be reimbursed up to $500 per traveler for expenses like meals and lodging.
• Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is primary and provides reimbursement up to $60,000.
• Emergency Evacuation & Transportation: Get up to $1,000,000 in coverage for emergency evacuation and transportation if you become seriously ill or injured during a covered trip. Includes up to $1,000 for repatriation of remains. Coverage applies when you pay for all or part of your trip with your card or rewards.
• Travel Accident Insurance: Receive up to $500,000 in coverage for accidental death or dismemberment while traveling on a common carrier when you pay with your card.

Travel & Emergency Assistance

• Roadside Assistance: Dispatch service available; service fees apply.
• Travel & Emergency Assistance: Access to emergency referral and coordination services while traveling (service referrals only; costs not covered).

Purchase Protections

• Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
• Return Protection: Reimburses for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item and $1,000 per year.
• Extended Warranty: Extends warranty coverage by one additional year on original eligible warranties of three years or less, up to $10,000 per claim and $50,000 per year.

Bank Relationship Benefits

• Better-Together Bonus: Earn 5,000 miles each year when you hold both the United Club℠ Business card and a personal United credit card.

Lifestyle Perks

• Visa Signature Concierge: 24/7 concierge assistance for travel planning, dining reservations, event tickets, and other services (availability and outcomes not guaranteed).
• Instacart+ Membership: Get complimentary Instacart+ with $0 delivery fees on eligible orders. Ends 12/31/27.

Nice Extras

• Exclusive Cardmember Events: Purchase or use miles for unique experiences offered by United Card Events from Chase and United MileagePlus Exclusives.

Business Tools & Controls

• Free Employee Cards: Add employee cards at no extra cost, earn rewards on their purchases, and set individual spending limits.

Buy Now, Pay Later Options

• Chase Pay Over Time^®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.

Terms and Conditions

Click Apply Now to see the terms and conditions.