Chase · Visa Signature · Business
United Club Business
A $695-a-year business card earning United MileagePlus: 5× on Hotels (Portal), 1.5× on everything else.
- Annual fee
- $695Charged every year
- Signup bonus
- 80,000 ≈ $987 in travel (our estimate)*
- Top rate
- 5×Hotels (Portal)
- Point value
- 1.23¢ In travel · 1.23¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 80,000 points | $987 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$695 | −$695 |
| NetYear one includes the bonus · at your inputs · our estimates* | $292 | −$695 |
Bonus terms: Earn 80,000 bonus miles + 2,000 Premier qualifying points (PQP) after you spend $5,000 on purchases in the first 3 months your account is open. The 2,000 PQP are in addition to the PQP you can earn from card purchases. PQP help you reach Premier® status, which gives you extra benefits like complimentary access to Economy Plus®, seat upgrades, and more. Plus, earn 10,000 bonus miles after you add an employee card to your account in the first 3 months your account is open.
Earning structure
3 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Hotels (Portal) Notes5x miles on hotel stays when you prepay directly through Renowned Hotels and Resorts for United Cardmembers. | 5× | $6.17 | |
| Airfare (Portal) | 2× | $2.47 | |
| All Other | 1.5× | $1.85 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $695
- Card type
- Business
- Network
- Visa Signature
- Bank
- Chase
- Point system
- United MileagePlus
- Travel value (our estimate)*
- 1.23¢ per point
- Cash value (our estimate)*
- 1.23¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- Yes
- Cash to travel
- No
Application rules3
- Chase 2/30
You'll be declined if you apply for a third Chase card of any kind within 30 days.
- Chase 4/6
Chase will decline your application if you apply for a 5th Chase card (personal or business) in 6 months.
- No CR
This business card will not show on your personal credit report, so it won't count against your 5/24 status.
Benefits19 · 4 high value
- Car Rental Insurance High valuePRIMARY Auto Rental Collision Damage Waiver
- Instant Perks & Status High valueFree first and second checked bags + 3 more instant perks & status benefits
- Lounge Access High valueUnited Club Membership
- Credits & Discounts $100 in United Travel Credits on Avis or Budget + 5 more credits & discounts benefits
- Earn Perks & Status Earn $50 in Credits on United FareLock + 2 more earn perks & status benefits
- Travel Protections Baggage Delay Insurance + 3 more travel protections benefits
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 United Club Business |  United Business |  Chase Sapphire Reserve Business |  American Express Business Platinum | |
|---|---|---|---|---|
| Annual fee | $695 | $150−$545 | $795+$100 | $895+$200 |
| Signup bonus | 80,000 pts | 75,000 pts | 150,000 pts | 300,000 pts |
| Top rate | 5×Hotels (Portal) | 2×6 categories | 8×5 categories | 5×Hotels (Portal), Airfare (Portal) |
| Travel value * | 1.23¢United MileagePlus | 1.23¢United MileagePlus | 1.85¢Ultimate Rewards | 1.9¢Membership Rewards |
| Why it’s here | This card | Same issuer and the same United MileagePlus points; business card | An annual fee within $100, with transferable points; business card | A $895 annual fee, with transferable points; business card |
United Business
$150 fee (−$545) · 2× top75,000 pts bonusSame issuer and the same United MileagePlus points; business card
Chase Sapphire Reserve Business
$795 fee (+$100) · 8× top150,000 pts bonusAn annual fee within $100, with transferable points; business card
American Express Business Platinum
$895 fee (+$200) · 5× top300,000 pts bonusA $895 annual fee, with transferable points; business card
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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