United Club Business Card - Full Review (2024)

Great Card If

• You are a United Airlines loyalist and are looking for a card that will help you reach higher levels of elite status
• You want United Club access

Don’t Get If

• You seldom fly with United Airlines
• You want a card that earns transferable rewards

United Club Business Card — Is It Worth It?

For business owners who fly frequently with United and are looking for United Club access, the United Club Business card is absolutely worth it.

Usually, United Club access costs $650 each year, but holding the United Club Business card gets you and 2 guests complimentary access each time you travel.

Add in that the card can help save you money on checked bags and inflight purchases and allows you to help spend your way towards United elite status.

When you consider all of the benefits the card offers, it’s easy to see why it is a compelling option for United flyers.

United Club Business Card Top Benefits

United Travel Benefits

When judging an airline rewards card, one of the most important aspects to consider is what perks the card offers when flying with the airline. Here is what the United Club Business card gives you:

• Complimentary United Club Access— You and up to 2 guests traveling with you can visit any United Club worldwide.
• Free Checked Bags— Receive your first and second checked bag free for you and 1 traveling companion on United flights.
• Premier Access Travel Services— Receive priority check-in, security screening (where available), boarding, and baggage handling privileges.
• Premier Upgrades on Award Tickets— You and a traveling companion on a United award ticket can receive a complimentary upgrade to the next class of service (if available).
• 25% Back on United Inflight Purchases— Applies to food, beverage, and Wi-Fi purchases when you pay with your card.
• Complimentary Avis President’s Club Status— Enjoy free 2-car class upgrades, guaranteed car availability, expedited rental service, and more.
• Earn Premier Qualifying Points (PQP)— Earn 25 PQPs for every $500 you spend on purchases, up to 1,000 PQPs each year, towards your United status.

Card Protections

Here is how your United Club Business card keeps you covered when things go wrong:

• Trip Delay Insurance— If your flight is delayed by 12 hours or more, you and any traveling companions are covered for up to $500 in unreimbursed expenses such as meals and lodging.
• Lost Luggage Insurance— If an airline loses your luggage, or items inside are damaged, you are covered for up to $3,000 per passenger.
• Baggage Delay Insurance— Receive up to $100 a day in coverage towards items such as clothes and toiletries for every day your baggage is delayed, up to 3 days total.
• Rental Car Insurance— Primary coverages that include theft and collision damage for most rental cars in the U.S. and abroad.
• Trip Cancellation/Trip Interruption Insurance — If your trip is canceled or cut short by a covered situation, you can be reimbursed up to $10,000 per person and $20,000 per trip for non-refundable expenses.
• Purchase Protection— Items purchased with the card are covered for 120 days from purchase against damage or theft up to $10,000 per claim and $50,000 per account.
• Price Protection— If an item purchased in the U.S. is advertised for less than you bought it within 90 days, you can be reimbursed the difference up to $500 per item and $2,500 per year.
• Return Protection— Reimbursem*nt for items that the store won’t take back within 90 days of purchase, up to $500 per item, $1,000 per year.
• Extended Warranty Coverage — Adds 1 year of additional warranty coverage to eligible warranties of 3 years or less.

How To Earn and Redeem Your United Miles

While the United Club Business card earns 2x points per $1 on United purchases and 1.5x points per $1 on all other purchases, it isn’t the only way to rack up United miles. You’ve actually got quite a lot of options when it comes to ways to earn more miles, so we’ve put together a guide that shows you the best ways to earn more United miles.

Once you’ve built up a nice balance of United miles, then comes the fun part of redeeming them! While there is no wrong way to redeem your miles, there are ways that are objectively better than others. With that, check out some of the best ways to redeem your United miles for max value.

Alternative Cards to the United Club Business Card

The Business Platinum Card^® from American Express

If you’re looking for an ultra-premium card with all of the bells and whistles, the Amex Business Platinum is likely to be the card for you.

This card is best in class when it comes to airport lounge access by giving you access to 8 different airport lounge networks including Amex Centurion lounges, Delta Sky Clubs when flying Delta, and Priority Pass lounges upon enrollment.

While the annual fee for the card is high, it also packs in a ton of value in annual credits for you to use each year. Plus, American Express Membership Rewards points are some of the most valuable points out there for those looking to redeem rewards for business and first-class award tickets.

United℠ Business Card

For those that are frequent United flyers, but don’t quite need the level of perks that the United Club Business card provides, the United Business card is a good middle ground.

You’ll still earn the same 2x miles per $1 on United purchases, and still receive free checked bags, a 25% discount on inflight purchases, and priority boarding.

That said, while you’ll no longer have complimentary United Club access, you’ll still receive 2 United Club 1-time passes each year — all for a far more reasonable annual fee.