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: Public offer: 90,000 miles plus 2,000 PQP after $5,000 in 3 months, plus 10,000 miles for adding an employee card in 3 months (up to 100,000)
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 4 tracked offers going back to 2022, nothing has beaten 100k.
Current offer
100k
All-time high
100k
Typical offer
97,500
In place since
April 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 100,000 | $5,000 in 3 mo | Terms reconfirmedPublic offer: 90,000 miles plus 2,000 PQP after $5,000 in 3 months, plus 10,000 miles for adding an employee card in 3 months (up to 100,000) | Chase United Club Business Card product page → |
| 2026-04 | 100,000 | $5,000 in 3 mo | Bonus increased: 95,000 → 100,000+ 2,000 PQP | Archive record · no attached snapshot |
| 2025-03 | 95,000 | $5,000 in 3 mo | Bonus increased: 75,000 → 95,000Refresh: AF jumped to $695 | Archive record · no attached snapshot |
| 2022-08 | 75,000 | $5,000 in 3 mo | Earliest record$450 AF era | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
Up to 100k offer (90k + 2,000 PQP after $5k/3mo, +10k employee card), $695 fee and earn rates confirmed; FareLock credit added
Fields: credits, benefits
Chase United Club Business Card product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
Embed this chart on your site (free, with attribution)
Bloggers and journalists: paste this snippet to embed the live, auto-updating bonus history chart. Attribution to Credit Compound is included in the widget.
Earning Rates
- 8xEligible United flightsIncludes base MileagePlus member earn
- 5xRenowned Hotels and Resorts prepaid stays
- 2xOther United purchases
- 1.5xAll other purchases
Credits ($940/yr stated)
- Renowned Hotels and Resorts credit$200
- Rideshare credit$150
Yearly opt-in required
- Instacart credit$240
$20 monthly; ends 12/31/2027
- JSX flight credit$200
- Avis and Budget rental credit$100
United TravelBank cash
- FareLock credit$50
Benefits
- ✦United Club membership for you and a guest, worth $750+ if bought outright
- ✦All Access membership at Premier Gold or after $50,000 of annual spend
- ✦Free first and second checked bags for you and a companion
- ✦1 PQP per $15 spent, up to 28,000 PQP per year
- ✦Premier Access check-in, security and boarding
- ✦2 global Economy Plus upgrades after $40,000 of spend each calendar year
- ✦5,000-mile bonus each year when you also hold a personal United card
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.
Rate this card
Be the first to rate it
Commentson Club Biz
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.