The United Club Business earns its $695 annual fee mainly through United Club All Access membership for the primary cardmember, plus free first and second checked bags for you and a companion and Premier Access priority services. The welcome offer is 90,000 miles and 2,000 Premier qualifying points after $5,000 in spend in the first 3 months, recently trimmed from 100,000 miles. Earning is modest outside of travel: 2 miles per dollar on United purchases, 5 on prepaid Renowned Hotels stays, and 1.5 on everything else, though that 1.5x base rate is a real plus for unbonused business spend. A stack of credits, including $200 for Renowned Hotels, $200 for JSX, up to $240 in Instacart, and $150 in rideshare, can offset much of the fee, but only if you would use those specific merchants anyway. This card makes sense for frequent United flyers who want lounge access every trip; if you visit a United Club only a few times a year, the cheaper United Business is the better fit.
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 |