United Club℠ Business Card

Earns the most at United Airlines, about 2.4% back. Everything else earns 1.8%.

Annual fee
$695
Welcome bonus
90,000 bonus miles + 2,000 PQP after $5,000 in 3 months; +10,000 after adding an employee card
Rewards
United MileagePlusWorth 1.20¢ each
Type
Business card
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United Club℠ Business Card
2.4%back at United Airlines

Where it earns

  1. United Airlines
    2 points per dollar. Eligible United purchases.
    2.4%
  2. Everywhere else
    1.5 points per dollar.
    1.8%

Rates count each point at 1.20¢. How we value rewards

Statement credits

Up to $934 a year if you use every one, against a $695 annual fee. Track them in your wallet

  • Renowned Hotels credit
    Hotels prepaid directly through Renowned Hotels and Resorts for United Cardmembers
    $200
    each card year
  • Rideshare credit
    $18 in December (up to $150 per calendar year); yearly enrollment required
    $12
    a month
  • Avis / Budget credit
    $50 United TravelBank cash on each of your 1st and 2nd Avis or Budget rental booked at mileageplustravel.united.com
    $100
    each card year
  • Instacart credit
    Two $10 credits monthly on Instacart purchases; up to $240 per calendar year; benefit ends 12/31/2027
    $20
    a month
  • JSX credit
    Flights booked directly with JSX
    $200
    each card year
  • FareLock credit
    FareLock purchases on United or United Express flights
    $50
    each card year

Card details

Last verified
Oct 29, 2026
What's a point worth?

Points aren't dollars. A Chase, Amex, Citi or Capital One point is worth about 1¢ as cash back, and often 1.5–2¢ or more when you move it to an airline or hotel partner. Our rates use your setting — Smart (travel value only when you hold a card that unlocks transfers), Cash value or Travel value. See how we rank.

Pairs well with

The cards that add the most on top of this one for typical U.S. spending, after their annual fees. Use your own spending

Fees, credits and offers change often. Check Chase’s page for current terms before you apply.