United Club Business Card
By Alex Compton · Last verified
A full United Club membership on the business side, with a fee that tripled to match.
Welcome Bonus
100,000
≈$1,200 value
Spend Requirement
$5,000
in 3 months
Annual Fee
$695
No FTF
Credit Score
740+
(Excellent)
Current offer note: + 2,000 PQP, and 10k more miles for adding an employee card
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 3 tracked offers going back to 2022, nothing has beaten 100k.
Current offer
100k
All-time high
100k
Typical offer
95k
In place since
April 2026
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
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Earning Rates
- 8xEligible United flights
- 5xRenowned Hotels and Resorts prepaid stays
- 2xOther United purchases
- 1.5xAll other purchases
Credits ($890/yr stated)
- Renowned Hotels and Resorts credit$200
- Rideshare credit$150
Enrollment required
- Instacart credit$240
$20 monthly
- JSX flight credit$200
- Avis and Budget rental credit$100
United TravelBank cash
Benefits
- ✦Unlimited United Club access, worth $750+ if bought outright
- ✦Free first and second checked bags for you and a companion
- ✦Up to 28,000 PQP per year from card spend
- ✦Premier Access check-in, security and boarding
- ✦25% back on inflight purchases
Why it earns its spot
- +Club membership alone outvalues the fee for frequent flyers
- +1.5x base earn is unusually good for an airline card
- +Big PQP earning ceiling for status chasers
Where it costs you
- −$695 is steep if the lounge isn't part of your routine
- −Credits require enrollment and niche merchants
- −$450 era pricing is gone for good
The Compound Verdict
Same verdict as the personal Club card: buy it for the lounge. If your business puts you in United terminals weekly, this pays for itself before the credits. Otherwise the regular United Business Card covers you at a fifth of the fee.
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