Card dossier
United Club Business
Issuer
Chase
Annual fee
$695
Offer Strength
Great offer$70 above typical value
Show breakdown
Estimated bonus value: ~$1,470
Base score: 44
Airline boost: +15
Ongoing airline value (conservative, ~2 trips/yr): ~$186
• 2 free checked bags
Current $1,470 vs typical $1,400
Net value after annual fee: ~$961
Estimate based on our value hints; not financial advice.
Annual Fee
$695/yr
Credit Score
Very good credit recommended (700+)
United Club Business
Welcome Offer
Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP): 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open, plus 10,000 bonus miles after you add an employee card in the first 3 months.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
United family rules
Chase United cards appear to have a 48-month per-product bonus cooldown. Cross-product bonuses are allowed.
Chase 5/24 rule
Based on widely reported data, most Chase cards appear to decline applicants who have opened 5 or more personal credit cards (from any bank) in the last 24 months.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
United flights
7x miles
Includes member earnings + card bonus
Other eligible United purchases
2x miles
Renowned Hotels & Resorts (United Cardmembers)
5x miles
Prepaid direct bookings
All other purchases
1.5x miles
Key benefits
United Club membership
Access United Club locations worldwide for you and eligible companions.
Over $925 in partner credits
Annual statement credits across hotels, rideshare, Instacart, JSX, and more.
Free first and second checked bags
For you and one companion on the same reservation.
Premier Access
Priority check‑in, security, boarding and baggage handling.
Perks
United Club one‑time passes
4 passes annually when you have All Access Membership and an employee card (starting anniversary).
PQP earning
Earn 1 PQP per $15 spent, up to 28,000 PQP per year.
Ongoing Value
Annual benefits that offset the fee year after year.
Free Checked Bags
2 free checked bags per flight
Priority Boarding
Priority boarding on eligible flights
Annual Fee Breakeven
Good fit for
About this card
The Chase United Club Business is a premium business airline rewards card with a $695 annual fee. New cardholders can earn up to 110,000 miles plus 2,000 PQP after meeting spend and employee-card requirements.
Best for
frequent travelers, frequent flyers, airport lounge access seekers
Key considerations
The $695 annual fee is premium — evaluate ongoing benefits carefully. Subject to Chase 5/24 rule — plan application timing.
Recent updates
Recent offer or rule changes that affected this card.
Card analysis
Offer analysis
The current offer on the United Club Business awards 110,000 miles after spending $5,000 within 90 days of account opening.
Annual fee value
The $695 annual fee is partially offset by ongoing benefits including free checked bags (~$140/yr), with an estimated total value of ~$140 per year.
In the first year, the sign-up bonus alone delivers approximately $915 in net value after the annual fee and benefit credits.
Application strategy
This card is subject to Chase’s 5/24 rule. If you have opened five or more personal credit cards from any issuer in the past 24 months, your application will likely be denied regardless of your credit score. Consider whether using a 5/24 slot on this card is the best use of your limited Chase applications.
This card belongs to the united product family. Chase may restrict you from holding multiple cards in the same family or earning bonuses on related products. Review family-specific restrictions on our How It Works page before applying.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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Southwest Performance Business
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