United offers two business credit cards Similar in name but very different in terms of fees and annual benefits.
the middle level United Business Card℠ offers great value for a low annual fee. In contrast, the top-tier United Club Business Card has a substantially higher annual fee and some valuable benefits for frequent United business travelers.
If you’re a business owner and want a United co-branded card, which of these cards best suits your needs? Let’s look at the benefits of both cards and delve into each one.
United Club Business information has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Comparison between United Business and United Club Business
| United business card | United Club business card | |
|---|---|---|
| Registration Bonus | Earn 75,000 bonus miles after you spend $5,000 on eligible purchases within the first three months of account opening. | Earn 50,000 bonus miles and 1,000 Premier qualifying points after you spend $5,000 on eligible purchases within the first three months of account opening. |
| Annual fee | $0 introductory annual fee for the first year, then $99 | $450 |
| Winner | 2 miles per dollar on United
3 miles per dollar at United Hotels 2 miles per dollar at restaurants, gas stations, office supply stores, local public transportation, and commuting 1 mile per dollar on all other purchases |
2 miles per dollar on United
3.5 miles per dollar at United Hotels 1.5 miles per dollar on all other purchases |
| Access to the lounge | Two unique United Club passes per year | United Club Membership |
| United benefits | One free checked bag
Priority boarding $100 annual travel credit after making seven or more $100 United purchases each anniversary year 25% back on United Inflight and Club premium beverage purchases Up to 1000 PQP by spending Expanded prize availability Premier upgrades on award tickets 5,000 miles on each card anniversary if you also have a personal United card |
Two free checked bags
Premier Access Services: Designated check-in lanes, priority security lanes, priority boarding and priority baggage handling (when available) 25% back on United Inflight and Club premium beverage purchases Up to 1,000 PQP by spending Expanded prize availability Premier upgrades on award tickets |
| Other benefits | Travel and purchase protections
No foreign transaction fees |
Travel and purchase protections
Avis President’s Club elite status No foreign transaction fees |
United Business Welcome Offer vs. United Club Business
Currently, the United Business offers 75,000 bonus miles after you spend $5,000 on eligible purchases in the first three months of account opening. The United Club Business card offers 50,000 bonus miles and 1,000 PQP after you spend $5,000 in the first three months of account opening.
75,000 and 50,000 United miles are worth $1,013 and $675, respectively, according to TPG as of January 2025. ratings. That number of miles could be enough for award tickets in domestic economy or one-way tickets in a premium cabin from United or its partners.
Winner: Tie. The United Business card offers 25,000 more miles than the Club Business card, but the Club Business card gives you 1,000 PQP, which can be helpful if you’re trying to achieve United MileagePlus Premier state.
Related reading: How to Unlock Additional Reward Availability with United Credit Cards
United Business Benefits vs. United Club Business Benefits
He United business card includes a free first checked bag for cardholders and up to one companion on United flights: value up to $160 round-trip. Cardholders also receive priority boarding, a 25% discount on inflight purchases, and two unique United Club passes each. account anniversary. Additionally, cardholders who also own a personal United card receive 5,000th anniversary bonus miles each account year, and if you use the card to make seven or more eligible United purchases of at least $100 each in one year of accountyou will receive $100 statement credit.
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Those with the United Club Business card get a free first and second checked bag for themselves and one companion on the same reservation purchased with the card (up to $360 in value).
Cardholders can use the airline’s Premier Access services, including designated security and check-in lanes, priority boarding and baggage handling. They also receive 25% cash back on inflight purchases of food, beverages, Wi-Fi and expanded award availability, which can save them tens of thousands of miles annually.
These are useful benefits, but the most valuable benefit of United Club Business is free United Club membership. Includes access to United Club airport lounges, select Star Alliance lounges, and up to two guests (or one adult and any child) when flying with United and its partners. This benefit alone is worth between $550 and $650 per year and is probably the most important reason to get this card.
Finally, both cards can help you with a modest boost towards Premier elite status with United. For every $500 you spend on purchases per calendar year, you earn 25 PQP, up to 1,000 PQP per year. Earning status through credit card spending is easier from United reduced the spending requirement for PQP.
Additional benefits on both cards do not include foreign transaction feesprimary rental car insurance, travel accident insurance, trip cancellation and interruptionand purchase protection for new items. The United Club Business Card also provides Avis President’s Club elite statuswhich provides benefits such as updates and increased availability.
Winner: Business of the United Club. Two checked bags and a United Club membership are hard to beat.
Related reading: The definitive guide to accessing United Club
Earning miles with United Business versus United Club Business
He United business card Earn bonus points in several different categories. Earn 2 miles per dollar on United purchases, gas stations, restaurants and office supply stores, and local transit and commuting, including public transportation systems, tolls, taxis, and ride sharing services. Cardholders also earn 3 miles per dollar on United Hotel purchases.
In contrast, the United Club Business card earns 2 miles per dollar on United purchases and 3.5 miles per dollar on United hotel purchases. Plus, the card earns 1.5 flat miles per dollar on all other purchases.
If you tend to make a lot of purchases at specific types of merchants where the United Business Card earns 2 miles per dollar spent, then that card’s earning rates could help you rack up award flight miles quickly.
However, if your shopping activity covers a more diverse range of categories, Club Business’ simpler earnings formula might be better for you.
Winner: United Business. Offers bonus points in several more categories than the Business Club.
Redeeming miles with United Business versus United Club Business
Both United business credit cards earn United miles, which are deposited into the cardholder’s MileagePlus account. You can redeem United miles for United and United-Express flights and flights on any Star Alliance airline or partner airline.
TPG Credit Card Writer cris nelson He is a former United supporter. He has taken advantage of many member redemptions and redeemed his miles for many savings award tickets, including last-minute ones. Pole Star business class flights to Europe.
Winner: Tie. Both cards earn United miles, which can be redeemed through the MileagePlus program.
Related: How to redeem miles with the United MileagePlus program
Should you purchase United Business or United Club Business?
If your business purchases tend to be in the bonus categories, United business card offers, their high earning rates can help you rack up miles. On the other hand, if you regularly travel with United, you’ll probably prefer United Club Business for its lounge access, additional free checked bags, Premier Access services at the airport, and more comprehensive travel protections.
How to upgrade from United Business to United Club Business
Both cards are issued by Chase and belong to the same family of credit cards. This is useful because if you have the United business cardYou can upgrade to the United Club Business card by calling Chase customer service. Please note that upgrading to United Club Business will not make you eligible for the card’s sign-up bonus and may make you ineligible to earn a sign-up bonus on the same card if you try to apply for the same card within 24 months.
Related: The Ultimate Guide to Credit Card Upgrades
In a nutshell
Both cards are designed for United loyalists and offer competitive welcome bonuses for new applicants. Although the annual fee is dramatically different, the benefits of United Club Business more than make up for the high fee for those who can maximize them. Before applying for either card, plan your business spending, determine how often you fly United, and select the right card to complement your business spending and redemption aspirations.
For more information, read our Complete United Business Card Review.
Apply here: United business card
