Chase
United Club Business
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
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 | $1,265 | 26% | Apr ’26 |
PUBLIC | 80,000$5k · 90d | $1,040 | $1,005 | 21% | Sep ’25 |
What you get
- United Club membership$650per year
Full United Club lounge membership for you and eligible guests.
- 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
default values| SUB value | +$1,300 |
| 100,000 United × | |
| Ongoing benefits (yr 1) | +$660 |
United Club membership($650 × ) United Club membership $650 × $423 Free checked bag($160 × ) Free checked bag $160 × $72 Rideshare credit($150 × ) Rideshare credit $150 × $53 | |
| Annual fee | −$695 |
| Year 1 | $1,265 |
| Return on $5k MSR | 26% |
Your score sharpens once you sign in — we add eligibility, spend-fit, and 5/24.
Related cards
United Club Business scores 41 here on default point values. See where it ranks against every card, scored for your points, spend, and eligibility.
Open the ranked table →