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MileagePlus

United Club℠ Business Card

Earn up to 5x on hotels and 2x on travel. $934+ in statement credits per year. $695 annual fee.

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Welcome Offer

Up to 110,000 bonus miles plus 2,000 PQP: 100,000 miles + 2,000 PQP after you spend $5,000 in the first 3 months, plus 10,000 bonus miles for adding an employee card in the first 3 months.

Annual Fee

$695

Total Credits Value

$934

Potential Net Value

+$239

Earning Rates

United flights

Hotels

Travel Portal Only

1.5x

All Other Purchases

Base earn rate

Credits

Rideshare Credit

Up to $150 per year in rideshare credits. Yearly opt-in required.

Enrollment requiredResets: $12 Jan–Nov, $18 DecValid at: Rideshare – yearly opt-in

$144/yr

$12 Monthly

Renowned Hotels Credit

Up to $200 in annual statement credits for Renowned Hotels & Resorts bookings.

Resets: Card anniversary yearValid at: Renowned Hotels & Resorts

$200/yr

$200 Annual

Avis/Budget Credit

Up to $100 per year in United Travel Bank credits for Avis and Budget.

Resets: Card anniversary yearValid at: Avis and Budget – United Travel Bank

$100/yr

$50 Semi-annual

JSX Flight Credit

Up to $200 in statement credits annually for eligible JSX flight purchases.

Resets: Card anniversary yearValid at: JSX flights

$200/yr

$200 Annual

Instacart Credit

Up to $240 per year in Instacart credits (two $10 credits each month).

Enrollment requiredResets: Two $10 credits per monthValid at: Instacart

$240/yr

$20 Monthly

FareLock Credit

Up to $50 statement credit after purchasing FareLock on a United flight.

Resets: Card anniversary yearValid at: United FareLock purchase

$50/yr

$50 Annual

Featured Benefits

United Club Membership

Complimentary United Club card membership for the primary business cardmember with access to 45+ United Club locations; includes one adult guest and dependent children under 18. All Access (Star Alliance lounges, two adult guests, four annual one-time passes with an authorized user) unlocks at Premier Gold or $50,000 calendar-year spend.

Airport lounge membership

Other Benefits

Benefit

Ritz-Carlton Club Upgrades

Up to three club-level upgrades on eligible paid stays per year; booking rules apply.

Transportation

Global Entry/TSA PreCheck/NEXUS fee credit (every 4 years)

Statement credit toward application fee when charged to the card; reimbursement rules and timing per issuer.

Transportation

Car Rental Loss and Damage Insurance (primary)

When you decline the rental company’s collision damage waiver and pay with the card, coverage may be primary for theft or damage (coverage order varies by product and rental type); terms and exclusions apply.

Insurance

Trip Delay and Cancellation Insurance

May cover certain losses for covered delays or cancellations; limits and exclusions apply.

Global

No Foreign Transaction Fees

No foreign transaction fee on purchases processed outside the U.S.; issuer and network rules still apply.

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