Chase
United Club Business Card
Annual Fee
$695
Bonus Value
$1,485
Min Spend
$5K/3mo
Current Welcome Offer
110,000
MileagePlus Miles — worth ~$1,485
Spend $5,000 in 3 months
Near tracked highOffer history since tracking began
39 data points
Offer details may have changed
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Key facts
| Annual fee | $695 |
|---|---|
| Welcome bonus | 110,000 MileagePlus Miles after $5,000 spend in 3 months |
| Bonus value estimate | ~$1,485 |
| Points program | United MileagePlus |
| Card network | Visa |
What you get
All 2 perks ↓Perks/yr up to
$790
Annual Fee
$695
Covers fee (realistic use)
0.6×
Historical Intelligence
Offer history & timing
As of today, the United Club Business Card welcome offer is 110,000 points. CreditPoints has tracked 3 offer changes for this card; the tracked average is 99,744 points and the highest offer in our dataset is 110,000 points (August 2026).
Current
110,000
Average
99,744
Tracked High
110,000
Recent changes
2026-10
chase
2026-08
chase
2026-08
chase
Highest observed since tracking started: 110,000 (2026-08)
Timing Intelligence
Strong time to apply
This offer is at or near the best in our offer-history dataset. The current offer of 90,000 is at or near the highest we have on record (110,000). Elevated offers on this card typically don't last more than 30–60 days.
Current offer
110,000
MileagePlus Miles
Based on 3 tracked changes.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Below Average
Annual fee not fully offset after bonus (~$210 net cost/yr)
Timing
Strong time to apply
This offer is at or near the best in our offer-history dataset. The current offer of 90,000 is at or near the highest we have on record (110,000). Elevated offers on this card typically don't last more than 30–60 days.
Verified from issuer · May 12
Value
First-year value estimate
Conservative
+$1,174
65% benefit utilization, minimal travel redemptions
Realistic
+$1,275
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$1,397
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
-$210/yr
Assumes ~$24,120/yr of typical US household card spend consolidated on this card · statement credits counted at 30–85% of face value by tier (never 100% — credits are enrollment-gated and merchant-restricted) · Year 1 includes signup bonus when verified offer data exists · rewards valued at what a holder of THIS card can redeem — no companion premium card is assumed. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits & Transfer Partners
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
Issuer data snapshot
Card details captured: 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.
Approval & Best For
Fit assessment
Best For / Not Best For
Best For
- Business owners looking to separate expenses and earn on business purchases
- Frequent flyers with a preferred airline wanting companion benefits
Not Best For
- Occasional credit card users who won't recoup the $695 annual fee through benefits
- Those who prefer straightforward cash back over points/miles redemptions
Current Offer Status
Offer status
110,000 MileagePlus Miles
Last verified
May 12, 2026
Annual fee
$695/year
Compare & Alternatives
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Alternatives
Consider these cards instead
Chase
United Explorer
Lower-fee option if you don't need all the premium perks.
$150/yr
50,000 pts
View review
Chase
United Quest
Lower-fee option if you don't need all the premium perks.
$350/yr
60,000 pts
View review
Chase
SW Priority
Lower-fee option if you don't need all the premium perks.
$229/yr
60,000 pts
View review
FAQ
Frequently asked questions
What's the current United Club Business welcome bonus?
110,000 MileagePlus Miles after spending $5,000 in the first 3 months. Welcome bonus offers change frequently — the value shown on this page is updated against the issuer's published offer. For the live offer, click through to the apply page; the bonus is confirmed at approval time, not click time.
Is the United Club Business worth the $695 annual fee?
For first-year cardholders the answer is usually yes — the welcome bonus (~$1,485 estimated cash value) plus up to ~$790/yr in tracked benefits and credits typically covers the $695 fee several times over. After year one, the math depends on whether you actually use the recurring credits and category multipliers. Run your real spending through our Annual Fee Calculator before deciding to renew.
What are the main benefits of the United Club Business?
The highest-value benefits we track on the United Club Business: United Club Membership (~$650), First 2 Checked Bags Free (~$140). Combined tracked benefit value is up to ~$790 per year against the $695 annual fee. Dollar values are our estimates of realistic usage — credits that require enrollment or expire monthly are worth less if you don't actively use them.
What credit score do I need for United Club Business?
Realistic target: 740+ FICO. Issuers don't publish hard cutoffs, but data points from approval/denial reports suggest 740+ is the floor for reliable approval on cards in United Club Business's tier. Income, debt-to-income ratio, and existing relationship with Chase also matter — use our Approval Predictor for a more personalized estimate.
What credit limit does the United Club Business come with?
Chase doesn't publish credit limits for the United Club Business — your starting line is assigned individually at approval based on income, existing debt obligations, and credit history, so reported limits vary widely between applicants. If your initial limit is lower than you'd like, most issuers let you request a credit-line increase after several months of on-time payments.
Editorial guides
More on United Club Business and Chase
How to Transfer Chase Ultimate Rewards to United MileagePlus: 1:1 Instant Transfers, Sweet Spots, and No Close-In Fees
The 1:1 instant transfer that unlocks Star Alliance partner business class, cheap domestic short-hauls from 10,000 miles, and zero close-in booking fees — and exactly when to pull the trigger.
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Tools & next steps
Run the math for your situation
Why trust this review
- Independent research. CreditPoints is not paid by issuers to rank cards. All scores are algorithmic, based on public offer data, benefit valuations, and issuer rules.
- Regular verification. Offer amounts, spend requirements, and benefit values are checked against issuer pages via automated monitoring and manual audit.
- Transparent methodology. Every value estimate uses disclosed assumptions. Read our full scoring methodology.
Editorial note: CreditPoints may earn a commission when you apply through some of the links on this page. The first-year value math, transfer-partner analysis and approval signals on this card review are algorithmic and identical for all readers. We never accept payment to change ordering.
United Club Business Card
Current offer: 110,000 MileagePlus — worth ~$1,485
View Official OfferChase'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. CreditPoints is independent and not owned by, affiliated with, or endorsed by any card issuer; some Apply links are referral links that earn us compensation, which never affects a card's score or verdict.
United Club Business
110,000 MileagePlus offer