United ClubSM Business Card
A $695-annual-fee miles business card from JPMorgan Chase Bank, National Association, with airport lounge access and a $1,100 signup bonus.
JPMorgan Chase Bank, National Association · VISA
- Annual fee
- $695
- Purchase APR
- 19.74–28.24%variable
- Signup bonus
- $1,100
- Foreign transaction
- None
Earn Rules
| All Other | 150.00% |
Rates with strings attached
These apply only at a specific brand, or need something beyond how you spend, like a balance held with the issuer or a status tier. They are real, but we do not count them in the value above, which uses the rates any cardholder earns on ordinary spending.
| on United flights | 800.00% |
| when you prepay directly through Renowned Hotels and Resorts | 500.00% |
| on United purchases | 200.00% |
Statement Credits
Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.
| 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.yearSource ↗ | $240/yr |
| 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 ClubSM Business Card.yearSource ↗ | $200/yr |
| Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using your United ClubSM Business Card.yearSource ↗ | $200/yr |
| Up to $150 back as statement credits each calendar year on rideshare purchases when paying with your United Club℠ Business Card: up to $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.yearSource ↗ | $150/yr |
+ Show 2 more credits
| Receive $50 in United® TravelBank cash, up to $100 each anniversary year, for your 1st and 2nd Avis or Budget car rentals booked directly through cars.united.com and paid for with your United ClubSM Business Card.yearSource ↗ | $100/yr |
| Earn up to $50 back as a statement credit each anniversary year after you buy FareLock with your United ClubSM Business Card on a United - or United Express® - operated flight.yearSource ↗ | $50/yr |
| Total credits / year we count | $940 |
Why this differs from the issuer's headline number. Card marketing sums every credit at full value and assumes you use all of them. We count each credit at face value too, but only the ones shown above. A credit you won't use is worth $0 to you, so the honest number for most people is lower than the brochure. Decide which ones fit your life; the calculator counts what you tell it to.
Signup Bonus
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 employee card to your account in the first 3 months your account is open.
Value: $1,100 · Spend $5,000 in 3 months
This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.
Who This Card Makes Sense For
- People who reliably pay their balance in full each month. The 28.24% APR would wipe out the card's other benefits within a single billing cycle of revolving.
- People who will spend $1,667 a month for the next 3 months anyway — that clears the $5,000 required for the $1,100 bonus, which covers the $695 fee and then some in year one.
- Travelers who will actually use the lounge access. Set what a visit is worth to you in the calculator above — it is counted as $0 until you do, so the $695 fee currently has to be covered by everything else.
Wondering if this card pays off for your situation? Is the United ClubSM Business Card worth it? →
Cards in the Same Fee Tier That Score Higher
A similar annual fee, ranked higher at the default profile.
- Sapphire Reserve For BusinessSM Card$1,850 (+$1,155)