Chase

United Club Business

AF $695BUSINESS

What it is

The United Club Business is a Chase business card earning United MileagePlus miles. For most, its value is mostly up front in the welcome bonus rather than ongoing perks. United's flagship business card — the business twin of the personal Club Infinite, built around full United Club lounge membership. A keeper only if you'll use the lounge; otherwise a big welcome bonus on a business line that doesn't count toward Chase 5/24.

Offer history

Current offer

100,000

$1,300 bonus · $1,070 year 1

Spend to earn

$5k

~$1,667/mo · 90d

All-time high

100,000

now

Timing

—

not enough history

Value over time

Plot

Year 1 (incl. perks)Bonus $Spend / mo (right)All-time highProduct refresh

Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.

Offer	Bonus	Value	Year 1	Return	Date
PUBLIC ATH	100,000$5k · 90d	$1,300	$1,070	21%	Apr ’26
PUBLIC	80,000$5k · 90d	$1,040	$810	16%	Sep ’25

What you get

Airport lounge accessNo foreign transaction feesPrimary rental car insuranceTrip cancellation insurance

United Club membership$275per year
Full United Club membership — 1 guest + dependent kids (cut from 2 in 2026); large network + Star Alliance lounges abroad; ~$650/yr retail. Mainly valuable if you fly United.
United Hotels credit$200per year
Up to $200 a year in credits on hotel stays booked through United Hotels.
JSX credit$200per year
Up to $200 a year in statement credits for JSX semi-private flights.
Free checked bag$160per year
Free first and second checked bags for you and a companion on United flights.
Rideshare credit$150per year
Up to $150 a year in rideshare statement credits after enrollment.
Avis/Budget credit$100per year
Up to $100 a year in statement credits on Avis and Budget car rentals.

Dollar figures are the benefit’s face value. What it’s worth to you — after realistic usage and your own point values — is in the receipt below.

The receipt

standard values

SUB value	+$1,040
80,000 United ×
Benefits (Year 1)	+$465
↳ $1,155 at sticker value — before custom valuations United Club membership($275 × ) United Club membership $275 × $110 United Hotels credit($200 × ) United Hotels credit $200 × $90 Rideshare credit($150 × ) Rideshare credit $150 × $83
Annual fee	−$695
Year 1	$810
Return for spending $5k	16%