Chase United MileagePlus® Club Business Credit Card
The United MileagePlus Club Business card from Chase is a premium travel rewards card that comes packed with benefits and perks. If you’re a small business owner or an independent contractor who often flies on United and appreciates traveling in comfort, this could be the card for you.
While the $450 annual fee is steep, the benefits that come with this card can more than cover the cost. You’ll get a United Club membership, worth $550, which gives you complementary access to any United airport lounge. Either your family or two guests can join you for free, too.
The special treatment doesn’t stop there. The moment you arrive at the airport you’ll enjoy priority check-in, expedited security screening, priority boarding and baggage handling privileges. Once you get to your destination, you can take advantage of complimentary elite status at Hertz and Hyatt!
While the card’s sign-up bonus isn’t the most lucrative—you get a $100 statement credit after your first purchase — you’ll earn miles quickly with one of the best earning scheme’s available on a co-branded airline card. Every purchase earns bonus miles, no matter what category it falls into. You’ll get at least 1.5 miles for every dollar you spend.
Bonuses and Benefits
Knowing what benefits come with a credit card can help you decide if it’s a good fit for you. Here we cover the bonuses and perks that the Chase United MileagePlus® Club Business Card offers and the value of the Chase MileagePlus® miles you earn.
One of the biggest drawbacks to this card is its sign-up bonus. You’ll get just $100 after making your first purchase. Thankfully, the United Club Business card has a lot more to offer. In addition to free United Club lounge access, you’ll get priority boarding, check-in and security screening, plus two free checked bags, elite status with Hyatt and Hertz, complimentary cabin upgrades on award tickets (when available), a close-in award booking fee waiver and special perks through the Luxury Hotel & Resorts Collection.
While the card does not come with a big welcome offer, you’ll earn a bonus for every dollar you spend, with no limits. United purchases earn two miles per dollar, and all other purchases get 1.5 miles per dollar. That’s generous for a co-branded airline card.
What You Get
- $100 statement credit after your first purchase
- Complimentary United Club lounge access for you plus your family or two guests
- 2 free checked bags
- Priority boarding check-in and security screening
- World of Hyatt Discoverist elite status
- Hertz President’s Circle elite status
- Free cabin upgrades for award flights on United (when available)
- Close-in award booking fee waiver
- Room upgrades, free breakfast, early check-in, late checkout and more through the Luxury Hotel & Resort Collection
- 2 miles per dollar with United
- 1.5 miles per dollar for all other purchases
Your miles will never expire as long as your Business Club credit card account remains active. There’s also no limit on the number of miles you can earn with your card.
What is the value of the MileagePlus® Miles?
MileagePlus miles can be quite valuable, particularly for premium cabin seats and long-haul flights. United’s a member of the Star Alliance, which means you can book flights on any of the 27 member airlines with United miles. That gives you a lot of redemption options.
If you live on one of the coasts, booking a transcontinental award flight in a premium cabin is a great way to use MileagePlus miles. Just 50,000 miles can get you a round-trip flight between New York and Los Angeles in a luxurious lie-flat seat, which typically costs in excess of $1,200. That’s a value of at least 2.4 cents per mile!
Another solid redemption is roundtrip economy to Hawaii for just 45,000 miles. While it might not be a part of your business travels, no one said you couldn’t use the rewards from you business card to splurge a little.
What is CPM and How Is It Calculated?
Cents Per Mile (CPM) is a way to measure the value of miles. It tells you how many cents you get for each mile you redeem by dividing the cash price of the airline ticket (minus taxes and fees charged for an award ticket) by the number of miles the award flight costs. This is a somewhat subjective calculation because the price of the flight in both cash and miles fluctuates by season and availability.
How we calculate CPM:
The Best Ways to Redeem MileagePlus Miles
There’s no doubt that the best way to use MileagePlus miles is to book award flights on United and its partners. One great perk of booking United flights is that you’re allowed a free stopover. That means you can visit several destinations for the price of one round-trip award ticket.
For example, you could fly from the U.S. to Paris with a stopover in London for the cost of one round-trip award flight. That means your first leg would be from the U.S. to London, where you could spend a couple of days seeing the city. Then you could fly to Paris and spend a few more days there before returning to the U.S. That would save you travel costs between London and Paris and make your redemption even more valuable.
There are a couple of rules to keep in mind when booking. First, the stopover must take place in the same region as your destination, which cannot be the same region as your origin. You also have to return to the same region you left from.
Detroit–Las VegasEconomy classMiles price25,000miles+$80.6 feeDollars price$548
Pittsburgh–MinneapolisEconomy classMiles price25,000miles+$80.6 feeDollars price$410
Seattle–AustinEconomy classMiles price25,000miles+$80.6 feeDollars price$503
Fort Lauderdale–NassauEconomy classMiles price35,000miles+$182.12 feeDollars price$2,045
New York–BermudaEconomy classMiles price35,000miles+$199.9 feeDollars price$568
Austin–HavanaEconomy classMiles price75,000miles+$11.2 feeDollars price$929
Chicago–DetroitBusiness classMiles price50,000miles+$80.6 feeDollars price$389
New Orleans–BostonBusiness classMiles price50,000miles+$80.6 feeDollars price$1,260
Atlanta–WashingtonBusiness classMiles price50,000miles+$80.6 feeDollars price$634
San Francisco–Hong KongBusiness classMiles price140,000miles+$122.06 feeDollars price$1,717
Boston–TorontoBusiness classMiles price50,000miles+$56.6 feeDollars price$5,148
Los Angeles–MexicoBusiness classMiles price60,000miles+$93 feeDollars price$1,034
Other ways you can redeem miles
Hotel Stays84+ partners84+ part.
United partners with many hotels, allowing you to earn and redeem with Hilton, Marriott, Hyatt and more.
Car Rental8 partners8 part.
Many car rental companies also partner with the MileagePlus program, giving you the opportunity to earn and redeem anywhere you may be traveling.
Gift Cards270+ partners270+ part.
Though it doesn’t offer the best value, you can redeem MileagePlus miles for gift cards with a variety of merchants, including Amazon, Starbucks and more.
You can even use your miles to pay for all or part of a cruise with most of the major cruise lines, including Norwegian, Carnival, Royal Caribbean and more.
Everyday Earnings with Chase United MileagePlus® Club Business Card
Unlike most co-branded airline cards, the United Club Business card offers great everyday earning. That’s because every purchase you make earns a bonus. In addition to earning two miles per dollar for United purchases, you’ll get 1.5 miles for all other purchases.
- Brand earn
- All Other Purchases
Most rewards cards only offer a bonus for specific categories of purchases, and very few airline cards offer any bonuses besides purchases made directly from the carrier. The solid earning potential of this United card is a great perk.
United Club Membership
Get free lounge access for you and your family or two guests.
Free Checked Bags
First and second checked bags are free for cardholders and anyone else on the same reservation. That can save you a ton of cash.
Priority Boarding and Check-In
Skip the check-in line and get aboard first.
Get complimentary cabin upgrades on your award flights, when available.
Having elite status with Hyatt and Hertz can make your trip a lot easier and more enjoyable.
Book a stay through the Luxury Hotel & Resort Collection and get complimentary room upgrades, breakfast for two, early check-in, late checkout and more.
No Close-In Booking Fees
Book your award flight as late as you want without being charged extra fees.
No Foreign Transaction Fees
Use your card anywhere in the world and never get hit with additional fees.
Earn Elite Status Fast
Flying a certain number of miles is no longer enough to earn elite status with the major U.S. legacy carriers. You now have to spend a certain amount of money with the airlines, too. And while you can’t earn miles toward elite status with the United Club Business card, you can get a waiver for the spending requirement.
If you make at least $25,000 in purchases on your card in a year, you’ll get a Premier Qualifying Dollar (PQD) requirement waiver. That waiver counts toward any elite status tier except the top Premier 1K level. While that may seem like a lot to spend in a year, it’s worth noting that you can apply all of the spending you do on all of your United credit cards toward the total. Any employee card spending counts, too.
You’ll still have to earn 25,000 Premier Qualifying Miles (PQMs) or fly 30 qualifying segments to earn Silver status, 50,000 PQMs or 60 segments for Gold, and 75,000 PQMs or 90 segments for Platinum. Premier 1K status requires 100,000 PQMs or 120 segments, plus $12,000 in spending with United.
- Earn a Premier Qualifying Dollar (PQD) requirement waiver after spending $25,000 in a year
Fees: the cost of Having Chase United MileagePlus® Club Business Card
While the United Club Business card has a hefty annual fee of $450 dollars, it isn’t too hard to earn it back in rewards thanks to the card’s generous earning scheme and the high value of MileagePlus miles. You’ll get at least 1.5 miles for every dollar you spend, and we estimate that United miles are worth about 1.87 cents each. That means you’ll have to make $16,043 in purchases to earn 24,064 miles that are worth about $450 toward United flights. If you spend $2,000 a month, you’ll cover the annual fee in about eight months.
The first year you have the card you’ll get a $100 statement credit, which brings the net cost for the card down to $350. Add to that the value you’ll get from just free checked bags (which can cost up to $240 per roundtrip) and the United Club membership (which costs $550 a year) and it’s easy to make money with this card.
- Annual Fee
- Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater
- Late Payment Fee
$15 if the balance is less than $100; $29 if the balance is $100 or more, but less than $250; and $39 if the balance is $250 or more
- Foreign Transaction Fee
See What It Takes to Cover an Annual Fee:
We strongly recommend to spend not less than $6,173 per months to cover the annual fee in three months.
We’ve broken out our estimates for the first- and second-year net earnings you’ll get with the United MileagePlus Club Business card. Is the card worth getting, and should you keep it after you get the sign-up bonus? Let’s find out.
These estimates are based on an annual monthly spend of $2,000
Top 5 Benefits of the United MileagePlus Club Business Card
The MileagePlus Club Business card is a premium rewards card designed to make traveling on United more comfortable and rewarding. The airline perks that come with this card can more than cover the cost of the annual fee.
- Free Lounge Access: You’ll get complimentary access for you and your family or two guests at any United Club lounge. You’ll also get free entry into any participating Star Alliance affiliated lounge when traveling internationally. That’s a $550 value!
- Great Everyday Earning: One unique feature of this card is that you’ll earn bonus miles on every purchase. Every dollar you spend will earn at least 1.5 miles. That’s something you won’t get with most co-branded airline cards.
- Two Free Checked Bags: Cardholders get not one, but two free checked bags for themselves and one traveling companion. If you fly a lot, that can save you a lot of cash.
- Premier Access: Get preferential treatment from the moment you arrive at the airport with priority check-in, security screening, boarding and baggage handling.
- Elite Status: Enjoy the benefits of elite status with both Hyatt and Hertz. You’ll earn extra United miles and be able to take advantage of a variety of perks, like free upgrades and discounts.
Should You Get the United MileagePlus Club Business Card?
While the United Club Business card has a sizable annual fee, its benefits and perks can make it worth the cost. The only catch is that you have to take advantage of everything the card has to offer. In other words, if you often fly on United and you enjoy preferential treatment, this could be the card for you.
At the airport cardholders enjoy United Club lounge access, priority check-in, expedited security, special baggage handling and more. You’ll also save a bundle thanks to two free checked bags for yourself and a traveling companion. The special treatment doesn’t end once you arrive at your destination either. You’ll enjoy all the benefits of elite status when you rent a car from Hertz and stay at a Hyatt property.
You’ll also earn United miles quickly thanks to a generous earning scheme of 1.5 miles for every dollar you spend. Few airline cards offer bonus miles for every purchase.
If you often fly with United and you think it’s worth paying a little extra to be treated right while you’re traveling, consider getting the Club card. The value of this card increases for those who frequently travel for business or spend a lot on business expenses. The right person will find that this card can easily pay for itself while making traveling much more comfortable.
Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.
While this card is designed for small business owners and independent contractors, it doesn’t take much to qualify to get it. Any activity, no matter how small, can count as a small business. That can include something as easy as selling on eBay or making crafts for Etsy. You just have to prove to the card issuer that you make some income off of your activities.
This card is also good for those who are fully self-employed or even have a small business with a few employees. Having a separate business card is the easiest way to keep business and personal expenses separate, which can make tax season much easier. Employee cards are free, and Chase, the card issuer, makes it easy to track employee spending.
The United Club membership includes free lounge access for you and your family or two guests. That means you can bring your spouse and dependent children (under the age of 21) with you for free into the lounge.
Alternatively, you can bring two guests, which is a great alternatively if you happen to be traveling with co-workers or you want to arrange a quick business meeting with someone between flights at the airport. Note that employee cards do not qualify for free lounge access and that the primary cardholder has to accompany guests and family members into the lounge.
The Club card earns miles in United’s frequent flyer program, MileagePlus. Those miles can be redeemed online or by phone for award flights purchased through the MileagePlus program. That means you can book flights on United or with any Star Alliance member airline. United also has several non-alliance partners, including Hawaiian Airlines, Aer Lingus and Jet Airways, which are also bookable with MileagePlus miles.
While you have a lot of options in terms of airlines, you don’t have any choice in which frequent flyer program you book through. The miles you earn with the Club card are only good for awards booked through MileagePlus. If you want more flexibility in programs, look for a card that has points that are transferrable to a variety of frequent flyer programs. Alternatively, you could get a simple cashback card and use the money you earn for travel.
The Club card is a premium travel rewards card designed for those with good credit. Most applicants who have been approved report having a score in the 720+ range. Keep in mind that Chase will consider your entire application, which means that being above or below the recommended score does not guarantee approval or denial.
Don’t be afraid to call Chase before applying if you’re not sure if you’ll qualify for the card. The phone agent may be able to provide more information or guide you to a different card if necessary. And if you are denied, don’t forget to call the reconsideration number. You may be able to convince them that you’re worthy of being a cardholder. It can’t hurt to try!
Compare MileagePlus Cards
Other MileagePlus cards
United currently offers two different business credit cards: The premium Club Business card and the more affordable Explorer Business card. United used to also offer the Presidential Plus Business card, but it was phased out for the Club card.
|Chase United MileagePlus® Explorer Business Card|
|Sign-up bonus||0 miles||0 miles||50,000 miles|
$0 first year $95, after that
|APR On Purchases||17.24% to 24.24% Variable±||17.24% to 24.24% Variable±|
|Second Year Value||$0||$583||$551|
If you don’t think you’ll use all the perks that come with the Club Business card, such as free lounge access, elite status with Hyatt and Hertz and Premier Access at the airport, then you should probably get the more affordable United MileagePlus Explorer Business card. The annual fee, which is waived for the first year, is only $95, and the card still comes with some nice benefits.
With the Explorer Business card you’ll get one free checked bag for you and a companion traveling on the same reservation, priority boarding, two free lounge passes every year and more. You’ll also earn double miles at restaurants, gas stations and office supply stores. If you spend a lot in those categories, this card could be even more rewarding than the Club card. On top of that, you’ll get a generous 50,000 miles sign-up bonus after spending $3,000 in the first three months.
In fact, the Explorer card is at least equal to, if not better than the Club card in all respects except lounge access, priority service at the airport and elite status with Hyatt and Hertz.
The United MileagePlus Presidential Plus Business card is no longer available, though you can keep the card if you already have it. The Presidential Plus is very similar to the Club card, but there are a few important differences you should consider if you’re thinking of switching to the Club.
Perhaps most importantly, you can earn elite qualifying miles with the Presidential card, which you can’t do with the Club card. The Presidential card also comes with an automatic waiver for the Premier Qualifying Dollar requirement, something you have to earn with the Club card by spending $25,000.
You may be asking why anyone would switch from the Presidential to the Club card. The only benefit seems to be that the Club card earns 1.5 miles for every dollar spent, whereas the Presidential earns just one mile per dollar.
Compare United MileagePlus® Club Business Card to Other Cards
Most airlines offer a co-branded business credit card. Let’s take a closer look at some of United’s competition.
- Asiana Visa® Business Card
10,000 bonus offer
- CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®
60,000 miles offerRead Review
- Gold Delta SkyMiles® Business Credit Card
50,000 miles offerRead Review
First and foremost, if you’re looking for a co-branded airline card, you should get one with the carrier that you fly the most. It doesn’t matter how good a card is if you don’t use its benefits and rewards.
The Gold Delta SkyMiles Business card comes with a 30,000 miles sign-up bonus and a $50 statement credit after making a Delta purchase within three months of account opening. That sign-up bonus is worth at least $300, which means that this card’s offer blows the Club Business card out of the water. You’ll also get a free checked bag, priority boarding and in-flight discounts. Its $95 annual fee is waived for the first year.
The CitiBusiness / AAdvantage Platinum Select World MasterCard also has a 30,000 miles sign-up bonus, a free checked bag and priority boarding on American flights. While it doesn’t come with a statement credit, you can earn two miles per dollar spent on gas, telecommunications and car rentals, something you don’t get with the Delta card. Its $95 annual fee is also waived for the first year.
Asiana Airlines is one of South Korea’s two major carriers. The Asiana Visa Business card comes with a 10,000-mile sign-up bonus and only earns bonus miles for Asiana purchases. The best perk of this card is two annual $100 statement credits toward Asiana tickets departing from the U.S. It has an $80 annual fee.
If you somehow have equal access to United, Delta, American and Asiana flights and you’re trying to decide between these four cards, it all comes down to the benefits. If you want lounge access and elite travel perks, go with the United Club card. Otherwise, the AAdvantage and Delta cards are fairly comparable, though you’ll have more earning potential with American’s card. The Asiana card comes in last, with its poor earning potential and mediocre sign-up bonus.
Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.
Card Terms and Conditions
While it's easy to focus on the rewards offered by the United MileagePlus Club Business credit card, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with this Visa Signature card.
- Intro APR:
- See Terms and Conditions
- Intro APR for balance transfers:
- See Terms and Conditions
- Ongoing APR:
- 17.24% to 24.24% Variable±
- Minimum Grace Period:
- 20 days
- Extended Warranty Protection:
- Extends coverage by one year for warranties of three years or less.
- Purchase Protection:
- Covers purchases for 120 days against damage or theft. Good for up to $10,000 per claim and $50,000 per account.
- Price Protection:
- If a card purchase you made in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed the difference of up to $500 per item and $2,500 per year.
- Return Protection:
- You can be reimbursed for eligible items that the store won't take back within 90 days of purchase. Up to $500 per item and $1,000 per year.
Cash Advance Features
- Ongoing APR:
- 26.24% Variable±
- Cash Advance Fee:
- Either $15 or 5% of the amount of each transaction, whichever is greater
Security and Protections
The United MileagePlus Club Business card comes with all of the security features included with every Chase card.
- 24-Hour Fraud Alerts:
- Receive notification when large transactions occur, if there’s an unauthorized withdrawal or when there’s any other suspicious account activity.
- Emergency Card Replacement and Cash Services:
- Get a lost or stolen card replaced in one to three days or receive cash within hours.
- EMV Chip Technology:
- Get global acceptance and enhanced security at merchants that use chip enabled terminals.
It’s easy to keep an eye on your account and to make safe and convenient purchases while you’re on the go.
- Chase Mobile App:
- Pay your bill and monitor account activity wherever you are.
- Digital Wallets:
- The Club card is compatible with Apple Pay, Android Pay and Samsung Pay.
Additional Cardholder Benefits
The MileagePlus Club card from Chase is a Visa Signature card. It includes all of the enhanced cardholder benefits you’d expect.
Visa Signature Travel Benefits
- Auto Rental Collision Damage Waiver:
- Receive primary coverage against damage or theft when you rent a card for business purposes.
- Trip Cancellation and Interruption insurance:
- Get up to $10,000 for pre-paid, non-refundable travel expenses if your trip is canceled or cut short by sickness, severe weather or other covered situations.
- Lost Luggage Reimbursement:
- You and your immediate family are covered for up to $3,000 each if your checked or carry-on bags are lost or damaged.
- Baggage Delay Insurance:
- Receive reimbursement of up to $100 a day for essentials, like toiletries and clothing, if your bags are delayed over six hours.