The United Club Business card is built around United Club All Access membership for the primary cardmember, along with free first and second checked bags for you and a companion and full Premier Access at the airport. The signup bonus was recently cut from 100,000 to 90,000 miles plus 2,000 Premier qualifying points after spending $5,000 in the first 3 months, and the card earns 1.5 miles per dollar on general spend, 2 on United purchases, and 5 on hotels prepaid through Renowned Hotels. Status chasers also get 1,500 PQP each year plus 1 PQP per $15 spent, up to 28,000 PQP per calendar year. The catch is the $695 annual fee: the listed credits for Instacart, JSX, Renowned Hotels, rideshare, Avis or Budget, and FareLock add up on paper, but each is tied to a specific merchant or booking channel. This card earns its keep only if you fly United often enough to use the lounge and checked bags regularly.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels (via Portal) Hotels prepaid through Renowned Hotels and Resorts for United Cardmembers | 5x |
Airlines United purchases | 2x |
Everything Else | 1.5x |
| Benefit | Value |
|---|---|
Renowned Hotels Credit Up to $200 per anniversary year on prepaid United Hotels (Renowned Hotels) stays | $200 /yr |
Rideshare Credit $12 in monthly rideshare credits January through November and $18 in December each calendar year | $150 /yr |
Instacart Credit and Membership Up to $20 in monthly Instacart credits plus a complimentary Instacart+ membership, through December 31, 2027 | $240 /yr |
Avis / Budget Credit $50 per rental booked through cars.united.com, up to twice per anniversary year | $100 /yr |
JSX Credit Up to $200 per anniversary year on JSX flight purchases | $200 /yr |
FareLock Credit Up to $50 per anniversary year toward FareLock fare holds | $50 /yr |
25% Back on Inflight Purchases 25% back as a statement credit on United inflight food, beverage, and Wi-Fi purchases and United Club premium drinks | 25% |
Award Booking Discount Save 10% or more on the miles needed when booking United award flights with miles; Premier members save even more | 10% |
| Total annual credits | $940 |
Card details
Regular APR | 19.74%–28.24% variable |
Foreign transaction fee | None |