Miles · Visa · $695 annual fee
Last verified 2026-09-09. Review issuer source
Chase United Club Business Card is a $695-a-year miles card from Chase. It earns 1.5x on every purchase with no categories to track, plus 2x on United Airlines. Rewards are United MileagePlus miles that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $73,200 a year its rewards come to $366, $329 short of the annual fee. That is normal at this price; the card only works if the perks replace spending you already do, or your bonus-category spending is far above a typical household's. The welcome bonus, 110,000 miles after $5,000 in 3 months, is the strongest reason to open it in a given year.
Keep business spending on it for the separate statement alone; the rewards are the extra. Check the issuer's other business card before deciding, since the categories differ more than the fees do.
2 miles per $1 spent on purchases from United® including tickets, Economy Plus®, Inflight food, beverages, Wi-Fi and other United charges
Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP) - earn 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open.
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your United Club℠ Business Card.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.
The primary Cardmember of the United Club℠ Business Card is invited to enroll in Avis President's Club and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental service and more. To enroll, please visit .
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and Terms apply. Benefits end 12/31/27.
If you are a current United Club member, you can apply for the United Club Business Card and be reimbursed for the unused portion of your United Club membership once approved for the card.
Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
You’ll earn 1 PQP for every $15 you spend on purchases with your United Club Business Card, up to 28,000 PQP in a calendar year. This can be applied toward your Premier® status qualification, up to and including the Premier 1K® level.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
The primary Cardmember and one companion traveling on the same reservation will each receive their first and second standard checked bags free (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person) on United-operated flights when the primary Cardmember includes their United MileagePlus® number in their reservation and purchases their tickets from United with their card. For complete details, please visit .
If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Receive preferential treatment to ease your way through the airport with priority check-in, security screening, boarding, and baggage handling privileges (where available).
The primary Cardmember who has MileagePlus® Premier® status and is traveling on an award ticket and one companion that is traveling on the same reservation are eligible for Complimentary Premier Upgrades on select United- and United Express-operated flights, subject to availability.
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
You can be reimbursed for eligible items that the store won't take back within 90 days of purchase, up to $500 per item, $1,000 per year.
This exceptional group of over 1,000 properties includes many of the world's most exquisite hotels, resorts, lodges and spas, each of which extend you complimentary Cardmember benefits with every stay. Make a reservation through the program using your Chase card to receive the following benefits including daily breakfast for two, a special benefit unique to each property, such as a dining or spa credit, complimentary Wi-Fi, a room upgrade, if available, and early check-in and late checkout, if available. Please visit for more information.
If your trip is cancelled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotel.
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
Primary Cardmembers receive a value of at least $750, including additional guest privileges with their United Club Membership. Primary Cardmembers and their eligible travel companions, including 1 adult guest and dependent children, will enjoy access to 45+ United Club locations worldwide.
Receive $50 in United® TravelBank cash, up to $100, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with your United Club Business Card.
Enroll to receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with your United Club Business 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.
Receive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with your United Club Business Card.
Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using your United Club Business Card. JSX is a hop-on jet service that offers a semi-private flying experience at commercial fares. To learn more, visit united.com/JSX.
Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart with your United ClubSM Business Card. Terms apply. Benefits end 12/31/27.
Earn up to $50 back as a statement credit each anniversary year after you buy FareLock with your United Club Business Card on a United - or United Express® - operated flight. Use FareLock to hold a seat on your flight for a set price for 3, 7, or 14 days and your ticket price won't go up during the hold period. To learn more about FareLock, visit united.com/FareLock.
Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
These come from Visa, not from Chase. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Purchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Travel Accident Insurance provides accidental death and dismemberment coverage. Coverage is in effect on the common carrier (e.g., flight, rail, bus, ferry, cruise ship), as well as while on courtesy ground transportation to and from the airport (or train depot, bus, terminal, etc.) and between terminals, as well as when you are at the airport immediately before departure, or immediately after arrival, on any covered trip.
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Enjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
United Club Membership – up to a $650 value per year - United Club locations offer a place to work, relax, and enjoy complimentary beverages and snacks. Before you fly, you, as the primary Cardmember, and your eligible travel companions will enjoy access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.*Same page link to Offer Details For an updated list of United Club locations and any temporary closures, please visit united.com.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| United Club℠ Business CardThis card · 1.5x on everything | $695 | $366 | −$329 | 751st of 752 |
| Ink Business Unlimited® Credit CardChase's most-held other card · 1.5% on everything | None | $1,098 | +$1,098 | 161st of 752 |
| Edward Jones® Everyday Solutions Business World Elite Mastercard®The strongest no-fee card on this budget · 2x on everything | None | $1,704 | +$1,704 | 1st of 752 |
| Huntington Voice BusinessHighest net return on this budget · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 752 |
Reference budget: office supplies $6,000, internet, phone, and cable $3,600, shipping $6,000, advertising $12,000, software and tech $6,000, gas and ev charging $4,800, dining and restaurants $4,800, travel and transit $6,000, everything else $24,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
