Chase United Club Business Card: 80,000 + 10,000 Miles + 2,000 PQP

[2025.11 Update] The welcome bonus has increased to 80,000 + 10,000 + 2,000 PQP. The extra 10,000 requires adding an authorized user and making one purchase.

• Application link

This card has recently undergone some changes, as follows. Spending rewards:

• Earn 1 PQP for every $15 spent: up to 28,000 per year (previously capped at 15,000)
• Spend $40,000 per year and get two Global Economy Plus seat upgrades: can be used for upgrades
• 4 United Club passes and United Club All Access membership each year: available after spending $50,000 per year or when you earn UA Premier Gold status, and you must have added an authorized user. This All Access lets another person enter the UA Lounge for free.

New credits

• Instacart+ Membership: two $10 credits per month, $240 total per year
• $200 Renowned Hotels and Resorts hotel credit: similar to AMEX FHR, mostly upscale hotels. If you book through this program, you can enjoy perks such as free breakfast for two and hotel credits. See the official introduction for details.
• $150 rideshare credit: $12 per month from January through November, and $18 in December.
• Avis or Budget rental car spending credit: up to $100 in United travel credits per year. You must book through windowcars.united.com. For the first and second bookings each year, if you pay with this card, you can receive $50 back each time.
• JSX ticket reimbursement of $200: pay with this card and receive up to $200 reimbursed each year

United Club Business Credit Card Introduction

Highlights

• UA and Star Alliance lounges: Cardholders receive United Club Membership directly ( official price: $650 ), which allows unlimited access to UA lounges and some Star Alliance member lounges
• Two free checked bags: On UA-operated flights, you can check two bags for free, and one companion can also get two free checked bags (must be on the same reservation). To receive this benefit, you must use this credit card to buy the ticket or pay award ticket taxes and fees. See “UA baggage fee explanation” for details
• 1.5x on any purchase: This is the only credit card that can earn 1.5x miles unconditionally. If you spend a lot and need UA miles, 1.5x is 50% more than 1x.
• Award ticket perks:
  • You can see XN award inventory, greatly increasing your chances of finding award space
  • Waives the $75 close-in booking fee for award tickets booked within 21 days
• Premier Access when flying: priority check-in, priority security screening, priority baggage handling, and more. See the official explanation for details
• Metal card: heavy and premium-feeling
• Includes all the benefits of the UA Explorer Card (except the two club passes): rental car insurance, MPX 25% mileage bonus, extra rewards from MileagePlus shopping, bonus offers from various promotions, and more. See “UA Explorer Card” + “Hidden perks of the UA card” for details

Cons

• The annual fee is as high as $450, and there is no way to offset it through other means. The similarly priced AMEX Platinum can recoup its annual fee through airline credits and AMEX offers, and it also comes with similar lounge benefits.

Using United Miles

One of United’s biggest strengths is its extensive international route network, which makes it more convenient to use. United is one of the founding members of Star Alliance, the largest airline alliance, with 25 airline members. United also has many non-alliance partners, which makes MileagePlus one of the most versatile currencies for redeeming award tickets. To emphasize: United miles can be redeemed not only for United-operated award tickets, but also for Star Alliance partner-operated award tickets and partner award tickets, so they are extremely versatile. They can be used for domestic U.S. flights, flights from the U.S. to China, Europe, and Latin America, and even flights from China to Japan and Europe.

• United Airlines (UA) membership and miles guide

My Thoughts

This card is basically no different from the personal United Club card, except that it is the business version.

The main benefit of this card is unlimited access to United Clubs at airports and participating Star Alliance lounges worldwide while you hold the card. In addition, tickets and award tickets purchased with this card both come with two free checked bags. It’s a must-have for frequent United business travelers. Of course, all purchases earn at least 1.5 miles per dollar, which also makes it a favorite for high spenders. And if you’re not a business traveler, applying for this card just to show it off for a year is fine too.

Application

• Moderate difficulty to get approved: with a good relationship with Chase, about a year of credit history, and some income, you should be able to get approved
• If this is your first business credit card application, please read “Business Credit Card Introduction” first
• Because this is an airline co-branded card, it is recommended that you register for a UA frequent flyer account in advance and enter the number on the application. Otherwise, a new one will be generated, which is more cumbersome

Chase Credit Card Application Guide

• Chase application status check link (login required). Or call: 888-338-2586
• The 5/24 rule: if you have opened more than 5 new cards in the past 2 years (including cards from other banks), you will not be approved for a new Chase card
• You can be approved for at most two Chase credit cards within every 30 days
• If you have received the welcome bonus on this card within the past 24 months (48 months for the Sapphire family), your application will be automatically denied
• You can call the reconsideration line (800-453-9719) to expedite card approval or request a review of a denied application.
• Having a Chase Checking account can help with getting approved for a credit card
• More on applying for Chase credit cards

Application Link