United Club Business Card Review: Are the Premium Perks Worth The $450 Annual Fee?

Business owners looking for a credit card with premium travel benefits can find that and more with the United Club Business Card.
Last updated Sep 19, 2020 | By Kevin Payne

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Frequent travelers understand the value of comfort, especially when you have to spend several hours waiting for flights. The United Club Business Card offers a quick solution by providing access to airport lounges worldwide. Airport lounges give travelers a comfortable space to enjoy a break from noisy, crowded airport terminals, as well as complimentary snacks, beverages, and other amenities.

Between lounge access and other premium travel perks, there’s a lot to like about the United Club Business Card. Let’s take a closer look at this business card to see if it’s worth the high annual fee that comes with it.

Free Bags and Free Employee Cards

United Club Business Card

United Club Business Card

United Club Business Card


  • 100,000 bonus mile sign-up offer (for a limited time)
  • 2X miles on United purchases, 1.5X miles on all other purchases
  • United Club membership
  • Free employee cards


  • Has annual fee

Jump To

Who should get the United Club Business card?

If airport lounge access is a must when you’re flying, the United Club Business card gives you unlimited access to lounges around the world. You’ll enjoy entry to United Club locations everywhere, as well as participating Star Alliance lounges worldwide, a value of up to $650 annually.

Frequent United travelers will also enjoy other valuable travel perks. You’ll get two your first and second checked bags free for reservations booked with this United card. Other premier travel perks, like priority boarding, add to the value of this co-branded airline card. Plus, if you have status with another airline, you can take advantage of United Status Match.

The United Club Business card is a premium business travel card, especially with its lofty $450 annual fee. You’ll more than make up for the fee if you can take advantage of this card’s travel and business perks. Business owners who don’t spend significant time traveling or aren’t loyal to United may find more value in a more versatile business credit card.

Card basics

Card type Travel
Card issuer Chase
Annual fee $450
Intro bonus Earn 100,000 bonus miles after spending $10,000 on purchases in the first three months (limited-time offer)
Rewards 2X miles on United purchases, plus 1.5X miles on all other purchases
Recommended credit score Excellent, Good
Foreign transaction fee None

United Club Business card benefits and perks

  • Generous welcome offer: Cardholders can earn 100,000 bonus miles after spending $10,000 on purchases in the first three months (limited-time offer).
  • United Club membership: Cardholders get a free United Club membership, valued at up to $650 per year. This perk includes access to United Club lounges and affiliated lounges around the globe.
  • Free employee cards: Cardholders can maximize their earning potential by providing their employees with company credit cards.
  • Free checked bags: Baggage fees can be costly, but this United business card minimizes that problem. With this card, the cardholder and a traveling companion receive their first two checked bags free when they’re booked on the same reservation. Authorized users also get this perk if on the same reservation.
  • No foreign transaction fees: Feel free to use this credit card when traveling internationally. As a Visa card, it is accepted worldwide, and it has no foreign transaction fees.

Drawbacks of the United Club Business Card

  • Annual fee: This card comes with a hefty annual fee of $450. If you don’t travel frequently for business, it might be difficult to recoup this cost and this probably isn't the best airline credit card option.
  • Reward rate: If you are interested in earning the most possible points on your business travel, it might be worth considering another business credit card. However, if luxury travel perks are a priority for you, the United Club Business card delivers.

Earning & redeeming United miles

Best ways to earn

Not only does the United Club Business card give business owners the opportunity to earn 100,000 bonus miles after spending $10,000 on purchases in the first three months (limited-time offer), it also offers a decent reward rate for all business spending. If you use your card on United purchases, you’ll earn 2X miles for every dollar you spend. This is the best way to build up miles with this card.

The United Club Business card also earns 1.5X miles for all other purchases. There’s no need to keep track of which card to use for specific categories. Capitalize on extra earning by providing staff with free employee cards they can use for travel and other business expenses.

Categories Rewards rate
United purchases 2X
All other purchases 1.5X

Maximizing your redemptions

Beyond premium travel perks, the benefit to a business card like this is to redeem miles for award flights with United. While redemption values vary on award flights, this redemption is typically a decent value. Not only can miles be redeemed for United airfare, but also airfare on 35 partner airlines within theStar Alliance and MileagePlus program.

Economy Class one-way domestic flights vary in cost, but you can assume it will cost around 12,500 miles for a typical one-way redemption. Flights to other countries or in Business or First Class will require more miles. You can also redeem miles for upgrades to a higher class.

Other redemption options with the United Club Business Card include:

  • Hotels
  • Car rentals
  • Cruises
  • Merchandise
  • Apple purchases
  • Gift cards
  • Exclusive experiences
  • TSA Precheck fees

With so many options, it’s easy to see why the United MileagePlus program is so popular among travelers.

United Club Business transfer partners

Chase Ultimate Rewards points can be transferred to the United MileagePlus program at a 1:1 ratio, and transfers are instant. This is a good option if you need to boost your United miles balance quickly.

You can also redeem your United MileagePlus miles for flights with over 35 partner airlines within the Star Alliance and MileagePlus programs, including:

  • Aegean
  • Air Canada
  • Air China
  • Air India
  • Air New Zealand
  • ANA
  • Asiana
  • Austrian
  • Avianca
  • Brussels Airways
  • Copa Airlines
  • Croatia Airlines
  • Ethiopian Airlines
  • EVA Air
  • LOT Polish Airlines
  • Lufthansa
  • Scandinavian Airlines
  • Shenzhen Airlines
  • Singapore Airlines
  • South African Airways
  • Swiss Airlines
  • Air Portugal
  • Thai Airways
  • Turkish Airways
  • Aer Lingus
  • Aeromar
  • Air Dolomiti
  • Azul
  • Boutique Air
  • Cape Air
  • Edelweiss
  • Eurowings
  • Hawaiian Airlines
  • Olympic Air
  • Silver Airways
  • Vistara

United has also partnered with several hotel rewards programs. You can earn MileagePlus miles for qualifying stays at properties in the following programs:

  • Marriott Bonvoy
  • Accor Live Limitless
  • Hilton Honors
  • IHG Rewards Club
  • Radisson Rewards
  • World of Hyatt
  • Wyndham Rewards
  • Golden Circle

United Club Business card FAQs

How much are United miles worth?

The value of United miles varies depending on how they are redeemed. That said, you can generally expect to get an average of 1.35 cents per mile on United flights. Actual redemption rates for award flights may vary based on your destination, fare class, and travel dates.

Do United miles expire?

United recently changed its policy on miles expiration. United MileagePlus miles no longer expire, giving members unlimited time to use them.

Can I buy miles on United?

United MileagePlus miles are available for purchase. If you’re short on miles for a particular award flight, you can opt to make up the difference by purchasing miles. United miles typically cost $35 per 1000 miles, plus tax and fees. A minimum purchase of 2,000 miles is required. Occasionally, United offers limited-time sales on miles.

What is the best United business card?

This depends on your needs. If you want lounge access, the United Club Business Card is your top choice. The United Business Card is better if you want extra earning power in categories like United purchases, restaurants (including delivery services), gas stations, office supply stores, and local transit and commuting.

How much does it cost to transfer miles on United?

MileagePlus miles can be transferred to another member’s account for $7.50 per 500 miles transferred. A $30 processing fee will be charged for every transfer.

Other cards to consider

If you like flying United but aren’t interested in paying a $450 annual fee, the United Business Card is also available. With this card, you can earn 75,000 bonus miles after spending $5,000 in the first three months, but its annual fee is only $99 (waived first year). Plus, you’ll earn 2X miles on United purchases, at restaurants (including delivery services), gas stations, office supply stores, and on local transit and commuting; and 1X miles on everything else.

If you aren’t a loyal United customer, but you appreciate the luxury travel perks that come with the United Club Business card, a more versatile premium travel card like the Business Platinum from American Express might be a good option for you. While this card does come with an annual fee of $595, new cardmembers can earn up to 75,000 Membership Rewards points when they spend $15,000 in the first 3 months. Plus, this card offers a higher reward rate on travel purchases: you get 5X points on flights and prepaid hotels on Amextravel.com, 1.5X points on eligible purchases of $5,000 or more, and 1X points per $1 spent on other purchases.

Free Bags and Free Employee Cards

United Club Business Card

United Club Business Card

United Club Business Card

Special Offer

Earn 100,000 bonus miles after spending $10,000 on purchases in the first three months (limited-time offer)

See how these cards compare:

United Business Card
United Business Card
  • Limited time offer: 75,000 mile sign-up bonus
  • 2X miles on United purchases, at restaurants, gas stations, office supply stores, and on local transit and commuting
  • $100 annual United credit (terms apply)
  • 5,000 bonus miles annually if you also have a personal United card
  • Free checked bag, priority boarding, and 2 United Club passes annually
The Business Platinum Card from American Express
The Business Platinum Card from American Express
  • 75,000 point welcome offer
  • 5X points on qualifying flight and hotel purchases
  • 1.5X points on eligible purchases of $5,000 or more
  • Up to $200 statement credit per year for airline incidental fees
  • Terms apply