Chase
United Club Business Card
Annual Fee
$450
Bonus Value
$1,485
Min Spend
$5K/3mo
Current Welcome Offer
110,000
MileagePlus Miles — worth ~$1,485
Spend $5,000 in 3 months
Elevated offerLive verified
Checked May 14 · Confidence 55%
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Historical Intelligence
Offer history & timing
Current
110,000
Average
110,000
Tracked High
—
No offer change history on record yet.
Timing Intelligence
Typical offer
The current offer is in line with the typical range for this card (average: 110,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Based on limited history. Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Average
Typical offer and value
Timing
Typical offer
The current offer is in line with the typical range for this card (average: 110,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Verified from issuer · May 14
Value
First-year value estimate
Conservative
+$792
65% benefit utilization, minimal travel redemptions
Realistic
+$1,232
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$1,672
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
-$88/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits
Card perks & credits
Up to $790/yr in benefits
🛫airline credit
First 2 Checked Bags Free
$140/use
First 2 checked bags free for cardholder and one companion.
United-operated flights; cardholder + 1 companion
🏛️lounge
United Club Membership
$650/yr
Full United Club membership for cardholder and immediate family or up to 2 guests per visit.
United Club and partner lounges worldwide
Live Data
Verified issuer data
Last verified: May 14, 2026
low confidenceEstimated Net Annual Value
$350
after annual fee
Data sourced from issuer page via automated extraction. Verify current offers directly with creditcards.chase.com.
United Club Business Card
Current offer: 110,000 MileagePlus — worth ~$1,485
View Official OffersChase's secure site · No data stored · Commission may apply
Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. Not affiliated with or endorsed by any card issuer.
United Club Business
110,000 MileagePlus offer