Chase
United Club Business Card
United Club Business Card costs $695 annual fee and earns up to 2× on travel booked direct. It also carries $590 of statement credits a year, which is where a lot of its real value sits. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the United Club Business Card returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- $695 annual fee
- Best earn rate
- 2× travel booked direct
- Points value
- 1.3¢ a point
- Cash back value.
- Welcome bonus
- 90,000 points
- About $1,300 if you redeem at 1.3¢ a point, and only if you clear the spending requirement.
- Credits a year
- $590
- What the calculator counts, after discounts for perks most people do not use in full.
- Foreign transaction fee
- none
What the United Club Business Card earns
Hotels and rental cars through the issuer's travel site
5×
Only through the issuer's portal
Flights through the issuer's travel site
2×
Only through the issuer's portal
Flights and hotels booked direct
2×
Other travel
2×
| Category | Rate | Conditions |
|---|---|---|
| Hotels and rental cars through the issuer's travel site | 5× | Only through the issuer's portal |
| Flights through the issuer's travel site | 2× | Only through the issuer's portal |
| Flights and hotels booked direct | 2× | |
| Other travel | 2× |
Rates checked with the issuer in October 2026. Spending outside these categories earns 1.5×. Confirm current terms with the issuer before you apply.
Is the United Club Business Card right for you?
Enter a typical month. You will see what the United Club Business Card returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
United Business Card Top for your numbers
2× dining, 2× gas; 1× everything else. $150 annual fee.
Rewards $446 · Fee −$150
+$296
Chase Sapphire Reserve for Business
4× travel booked direct; 1× everything else. $795 annual fee.
Rewards $625 · Fee −$795
−$170
2× travel booked direct, 2× travel; 1× everything else. $695 annual fee.
Rewards $501 · Fee −$695
−$194
Delta SkyMiles Reserve Business
3× travel booked direct, 1.5× transit; 1× everything else. $650 annual fee.
Rewards $381 · Fee −$650
−$269
How we estimate
- Every rate on this page comes from the card catalog. United Club Business Card pays 1.5× on spending outside the bonus categories listed above, and up to 2× on travel booked direct.
- We value this card's points at 1.3¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
Find your best wallet for all your spending →{"focus":"","inputs":[{"key":"dining","prefill":"dining","noun":"dining"},{"key":"groceries","prefill":"groceries","noun":"groceries"},{"key":"gas","prefill":"gas","noun":"gas"},{"key":"transit","prefill":"transit","noun":"transit"},{"key":"streaming","prefill":"streaming","noun":"streaming"},{"key":"drugstores","prefill":"drugstores","noun":"drugstores"},{"key":"travel","prefill":"airfare","noun":"travel"},{"key":"other","prefill":"other","noun":"everyday spending"}],"path":"/credit-card-rewards-calculator","picks":[{"key":"united-club-business","name":"United Club Business Card","fee":695,"cpp":0.013000000000000001,"base":1.5,"earn":[{"inputs":["travel"],"rate":2}],"credits":590},{"key":"united-business","name":"United Business Card","fee":150,"cpp":0.013000000000000001,"base":1,"earn":[{"inputs":["dining"],"rate":2},{"inputs":["gas"],"rate":2},{"inputs":["transit"],"rate":2},{"inputs":["travel"],"rate":2}],"credits":320},{"key":"delta-skymiles-reserve-business","name":"Delta SkyMiles Reserve Business","fee":650,"cpp":0.013000000000000001,"base":1,"earn":[{"inputs":["transit"],"rate":1.5},{"inputs":["travel"],"rate":3}]},{"key":"chase-sapphire-reserve-for-business","name":"Chase Sapphire Reserve for Business","fee":795,"cpp":0.020499999999999997,"base":1,"earn":[{"inputs":["travel"],"rate":4}],"credits":1470}]}What comes with it
Welcome bonus
90,000 points to 100,000 points
About $1,300 if you redeem at 1.3¢ a point, and only if you clear the spending requirement.
Points and partners
United MileagePlus Miles
No
Credits and perks
| Credit | Sticker value | Counted |
|---|---|---|
| Instacart credit Up to $20 a month. | $240 | $240 |
| JSX credit | $200 | $200 |
| Avis or Budget credit | $100 | $100 |
| FareLock credit | $50 | $50 |
Sticker value is the full face amount. Counted is what the calculator credits, which is lower where most people do not use the perk in full.
Where this data came from
Checked creditcards.chase.com 2026-10-05. $695 annual fee. 90,000 miles plus 2,000 PQP after $5,000 in 3 months, plus 10,000 more for adding an employee card. 5x on Renowned Hotels and Resorts booked through Chase Travel, 2x on United purchases and travel, 1.5x other. United Club membership with All Access at $50,000 a year of spend or Premier Gold status, free first and second checked bags, four one-time United Club passes a year. The row previously credited only one free checked bag.
FAQ
The United Club Business Card charges $695 a year. Earning back $695 means about $8,910 a month on travel booked direct, where it earns 0.65¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest.
2× on travel booked direct, and 1.5× on spending outside its bonus categories.
It depends on your mix, not the card. Earning back $695 means about $8,910 a month on travel booked direct, where it earns 0.65¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest. It also carries $590 of credits we can count, but only count them if you would spend that money anyway. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is 90,000 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 1.3¢ a point that is about $1,300, before you count the annual fee and whether you would clear the spending requirement for it.
No. The United Club Business Card earns United MileagePlus Miles that you redeem for statement credit or shopping rather than transferring to a partner, so its realistic value is about 1.3¢ a point.
No. The United Club Business Card charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.