United ClubSM Business Card: 5 Perks You’ll Love!
The United ClubSM Business Card offers premium travel perks for United Airlines frequent flyers. Enjoy luxurious benefits tailored to business owners who travel often.
- United Club Access: Relax in over 45 airport lounges worldwide.
- 75,000 Bonus Miles: Earn after spending $5,000 in the first 3 months.
- 2x Miles on United Purchases: Earn on flights, upgrades, and more.
With no foreign transaction fees and added travel protections, this card makes business travel effortless.
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United ClubSM Business Card: Exclusive Travel Perks & Rewards
For business owners who frequently travel, especially with United Airlines, the United ClubSM Business Card offers a comprehensive suite of travel rewards and benefits that can significantly enhance your travel experience. This business credit card combines luxury travel perks, exclusive United Club benefits, and the opportunity to earn valuable MileagePlus miles. Whether you are looking for a travel credit card that helps you earn rewards for your daily purchases, gain lounge access, or enjoy premium travel experiences, the United Club Card provides all this and more.
Overview of United ClubSM Business Card
Issued by Chase Bank, this card offers features that are particularly appealing to frequent flyers. Let’s examine the specific benefits, fees, rewards program, and other details that will help you determine whether the United ClubSM Business Card aligns with your travel and business needs.
Card Highlights of United ClubSM Business Card
- Receive a United Club Membership for access to over 45 airport lounges.
- Earn 75,000 bonus miles after spending $5,000 in the first 3 months.
- Earn 2x miles on United purchases like flights, upgrades, and in-flight services.
- Get 1.5x miles on all other purchases made with the card.
- Free checked bags for you and a companion on United flights.
- Priority boarding and priority check-in on United-operated flights.
- There are no foreign transaction fees when making international purchases.
- Add employee cards at no extra cost and earn miles on their purchases.
- Access Avis President’s Club benefits for premium car rental services.
- Travel protections include trip cancellation insurance, lost luggage reimbursement, and more.
- Earn Premier Qualifying Points (PQP) to help achieve MileagePlus Premier Status.
- Get complimentary upgrades and enjoy Star Alliance lounge access globally.
- Visa Signature Concierge service is available for personal and business needs.
- Enjoy “Trip Delay Reimbursement” and “Baggage Delay Insurance” for peace of mind.
- Contactless payments for added convenience on eligible purchases.
- MileagePlus miles can be redeemed for flights, upgrades, and exclusive travel experiences.
Rates and Fees of United ClubSM Business Card
- Annual Fee: $525 for the primary cardholder.
- APR: Variable APR ranges from 21.49% to 28.24% based on creditworthiness.
- Foreign Transaction Fees: $0. Enjoy making purchases abroad with no added fees.
- Late Payment Fee: Up to $40 if your payment is late.
- Returned Payment Fee: Up to $40 for any returned payments.
- Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater.
- Balance Transfer Fee: $5 or 5% of the transferred amount, whichever is greater.
- Minimum Interest Charge: $0.50 if applicable.
- Employee Card Fee: $0 for additional employee cards, making earning miles on business purchases easier.
See Full Rates and Fee or the Section Rewards, Rates & Fee
Is the United ClubSM Business Card Right for You?
The United ClubSM Business Card is perfect for business owners who frequently travel with United Airlines. It’s especially suited for those who value premium travel perks such as United Club lounge access, free checked bags, and the ability to earn MileagePlus miles at a competitive rate. If you are a frequent flyer with United, the card’s benefits can quickly offset the annual fee, especially when considering bonus miles, travel protections, and exclusive access to lounges.
For casual travelers or those who don’t fly with United often, the United ClubSM Business Card might not be the best fit, as it comes with a relatively high annual fee and is designed for those who regularly travel with the airline.
United ClubSM vs. UnitedSM vs. IHG One Rewards vs. World of Hyatt Business Card Comparison
Several options provide excellent benefits if you’re a business owner looking for a travel rewards credit card. Here’s a quick comparison of four popular business credit cards to help you make an informed choice. Below, you’ll find a comparison of the United ClubSM Business Card, UnitedSM Business Card, IHG One Rewards Premier Business Credit Card, and World of Hyatt Business Credit Card.
Comparison of United ClubSM Business vs. UnitedSM Business vs. IHG One Rewards Premier Business vs. World of Hyatt Business
| Feature | United ClubSM Business Card | UnitedSM Business Card | IHG One Rewards Premier Business | World of Hyatt Business |
|---|---|---|---|---|
| Sign-up Bonus | 75,000 bonus miles | 100,000 bonus miles | 140,000 bonus points | 60,000 bonus points + 1 free night |
| Annual Fee | $525 | $99 | $99 | $199 |
| Earning Rate | 2x miles on United purchases | 2x miles on United purchases | Up to 26x points at IHG Hotels | 2x points on top 3 categories |
| Bonus Categories | Dining, gas, office supplies | Dining, gas, office supplies | IHG Hotels & Resorts | Top 3 spending categories |
| Free Checked Bags | Yes | Yes | No | No |
| Priority Boarding | Yes | Yes | No | No |
| Additional Benefits | United Club membership | Free first checked bag | Up to 26x points on IHG stays | Free night, Hyatt points bonus |
| APR | 21.49% - 28.24% | 20.99% - 27.99% | 19.99% - 28.49% | 19.99% - 28.49% |
| Foreign Transaction Fees | $0 | $0 | $0 | $0 |
Comparison Analysis
- Sign-up Bonuses: The IHG One Rewards Premier Business Credit Card offers the highest bonus (140,000 points), followed by the UnitedSM Business Card (100,000 miles) and the United ClubSM Business Card (75,000 miles).
- Annual Fee: The UnitedSM Business Card has the lowest fee, $99, whereas the United ClubSM Business Card has the highest fee, $525, reflecting its premium perks.
- Earning Rate: For earning rewards, the IHG One Rewards Premier leads with up to 26x points at IHG properties, but if you frequently travel with United Airlines, the United ClubSM Business Card and UnitedSM Business Card offer 2x miles on United purchases.
- Perks: The United ClubSM Business Card includes a United Club membership and free checked bags, offering the best value for United travelers. The World of Hyatt Business Credit Card offers a free night after spending but lacks other extensive travel perks.
Which Card is Worth Buying?
The United ClubSM Business Card offers frequent United Airlines travelers exceptional perks, such as premium membership and travel benefits. However, the IHG One Rewards Premier Business Credit Card and World of Hyatt Business Credit Card offer more significant hotel benefits if you prefer hotel rewards. Consider your travel habits to determine the best card for you.
Why You Might Think About a Different Credit Card than United ClubSM Business Card
While the United ClubSM Business Card offers exceptional benefits for frequent United Airlines travelers, it’s not the right fit for everyone. Before committing to this premium card, it’s essential to consider your travel habits, spending patterns, and whether its features align with your needs.
- High Annual Fee: One of the main drawbacks of the United ClubSM Business Card is its high annual fee of $525. This may be a significant cost for small business owners who don’t travel enough to take full advantage of the United Club membership and other premium perks.
- Limited Airline Perks: Although the card offers United Club membership and free checked bags, if your business requires you to travel with different airlines or stay in hotels other than those associated with United, you might be better off choosing a card that offers more flexible travel rewards.
- Not for Everyone: You might find more value in different travel cards if you’re not loyal to United Airlines and prefer flexibility across airlines, hotel chains, and other reward categories. Other cards offer better bonuses, lower fees, and broader travel rewards that can work for a wider range of travelers.
Best Credit Cards to Consider As an Alternative to United ClubSM Business Card
If you’re not sure about the United ClubSM Business Card, here are some top alternatives to consider:
| Card | Annual Fee | Sign-up Bonus | Why it's Great |
|---|---|---|---|
| Chase Sapphire Preferred® Card | $95 | 60,000 points after $4,000 spend in 3 months | Flexible travel rewards for frequent travelers not tied to one airline. |
| American Express® Business Gold Card | $295 | 70,000 points after $10,000 spend in 3 months | Ideal for businesses spending on rotating categories like airfare & ads. |
| Ink Business Preferred® Credit Card | $95 | 100,000 points after $15,000 spend in 3 months | 3x points on select categories, great for high travel or advertising spend. |
Each card offers excellent value, whether you prioritize flexible travel rewards, low annual fees, or significant sign-up bonuses. Before deciding, consider your business’s spending habits and travel preferences.
Frequently Asked Questions (FAQs)
What are the main benefits of the United ClubSM Business Card?
The main benefits include United Club Membership, free checked bags, 75,000 bonus miles, priority boarding, travel protections, and the ability to earn MileagePlus miles on all purchases.
How can I earn Premier Qualifying Points (PQP) with this card?
You earn 1,000 PQP after spending $5,000 on your United Club Card in the first three months. PQPs are essential for reaching MileagePlus Premier Status, which unlocks additional benefits like complimentary upgrades.
Does the United ClubSM Business Card charge foreign transaction fees?
The United ClubSM Business Card does not charge foreign transaction fees, making it an excellent option for international travelers.
Final Thoughts
Specification: United ClubSM Business Card: 5 Perks You’ll Love!
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