United℠ Club Business Card Card Review (2025.3 Update: 125k Offer; Annual Fee Increased; Varies Coupons Added)

Non-affiliate disclosure: all information about the this card have been collected independently by US Credit Card Guide and has not been reviewed by the issuer.

2025.3 Update: This card has the following changes today:

• The welcome offer is changed to 125k. Offer ends on May 7.
• The annual fee is increased from $450 to $695. First year annual fee NOT waived.
• $200 Renowned Hotels and Resorts credit: Receive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with this card.
• $100 Avis/Budget credit: Receive $50 in United TravelBank cash, up to $100 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with this card.
• $150 rideshare credit: Enroll to receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with this card: $12 back as a statement credit each month from January through November and up to $18 back for the month of December. Yearly opt-in is required.
• $240 Instacart credit: Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart with this card. Terms apply. Benefits end 12/31/27.
• $200 JSX credit: Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using this card. JSX is a hop-on jet service that offers a semi-private flying experience at commercial fares.
• Up to $50 back on United FareLock.

Holding this card is like paying its annual fee for United Club membership. Now this membership has increased price, it is normal that this card also increases its annual fee. Now it also comes with coupons. If you hate spending time on this kind of thing, you can consider only have this card for one year.

2024.6 Update: The higher offer is expired. The current offer is only 50k. Card art is changed.

2024.1 Update: The new offer is 75k.

Application Link

Benefits

1. 50k offer: earn 50,000 UA Miles after spending $5,000 in the first 3 months. The recent best offer is 100k.
2. We value UA mile at 1.5 cents (Airline Miles Value). So the 100k highest sign-up bonus is worth about $1,500. See A Beginner’s Guide to UA Miles to check for details about UA Miles.
3. Earn 2x miles on United. Earn 1.5 miles per dollar spent on all other purchases.
4. You receive full United Club Membership from this card which allows you to enter United Clubs with up to 2 guests.
5. [New] There are varies coupons on this card now, see next section below.
6. You and one companion on the same ticket of United flights can each have 2 free checked baggage.
7. Enjoy Premier Access on United flights.
8. You get waived for close-in booking fee on award ticket.
9. If you spend $25k or more in a calendar, you will receive PQD waiver up to Platinum status.
10. Complimentary Hertz President’s Circle membership.
11. Get 25% bonus miles on MileagePlus X purchases.
12. More award availability (XN cabin) with this card.
13. With this card, you can redeem your UA miles towards annual fee at a fixed ratio 1.75 cents/point.
14. No foreign transaction fee.
15. It’s free to add an authorized user, though there’s not much benefit.

Varies Coupons

• $200 Renowned Hotels and Resorts credit: Receive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with this card.
• $100 Avis/Budget credit: Receive $50 in United TravelBank cash, up to $100 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with this card.
• $150 rideshare credit: Enroll to receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with this card: $12 back as a statement credit each month from January through November and up to $18 back for the month of December. Yearly opt-in is required.
• $240 Instacart credit: Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart with this card. Terms apply. Benefits end 12/31/27.
• $200 JSX credit: Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using this card. JSX is a hop-on jet service that offers a semi-private flying experience at commercial fares.
• Up to $50 back on United FareLock.

Disadvantage

1. [New] Annual fee $695. Chase branches may have offer that waives it for the first year. Note that annual fee does not count towards the minimum spending requirement (and this is true for all credit cards)!

Recommended Application Time

1. [5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application on this card, no matter how high your credit score is. The number of new accounts includes all credit card accounts, not only Chase accounts. See this post for details about how to possibly bypass this rule.
2. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. Note that what matters here is the time you got the sign-up bonus, not the time you open the account or close the account.
3. Don’t apply for more than 2 Chase credit cards within 30 days, or it’s highly likely that you will get rejected.
4. We recommend you to apply for this card after you have a credit history for more than a year.

Summary

This card is basically the same as its personal version Chase UA Club card. The sign-up bonus is nice, but it is not very worth keeping.

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After Applying

• Call 800-453-9719 to check Chase business cards application status. This is an automated telephone line, and the information has the following meanings: Receive decision in 2 weeks means your application is probably approved; Receive decision in 7-10 days means your application is probably rejected; Receive decision in 30 days simply means your application requires further review and there’s nothing to tell you for now.
• Chase reconsideration backdoor number: 888-270-2127 or 888-609-7805. It’s pretty hard to recon Chase business cards. Be prepared to be asked about a lot of details of how your business operates.

Historical Offers Chart

Application Link

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