United ClubSM Business Card is designed for business owners who fly primarily with United Airlines, regularly have their bags checked, and want access to airport lounges. This small business credit card offers travel rewards that can be redeemed for free flights with United and its partner airlines. The $450 annual fee includes a United Club membership, valued at $650 per year.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to Compare to view the details in a side-by-side comparison.
United Club℠ Business Card
BEST FOR:
United Airlines enthusiasts who use airport lounge access regularly
- Overview
- Card Details
- Additional Features
Apply Now
On Chase's Secure Website
Intro APR
N/A
Regular APR
21.99% to 28.99% variable
Annual Fee
$450
Credit Needed
Good - Excellent
- 50,000 bonus miles after spending $5,000 on purchases within the first three months after account opening
- United ClubSM membership
- Two Premier Access® travel services
- First and second checked bag free
- Earn double miles on tickets purchased from United
- Earn 1.5 miles per $1 spent on all other purchases
- No foreign transaction fees
Pros
- With free first and second checked bags
- Welcome offer
- Offers United Club membership
Cons
- Charges high annual fee
- Does not have a 0% introductory period on purchases and balance transfers
- United Club membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star Alliance™affiliated lounges worldwide.
- Avis President’s Club®: Primary cardholders are invited to enroll in Avis President’s Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental services, and more.
- Free two checked bags: The primary cardholder and their companion traveling with the same reservation will each receive free checked bags (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person).
- Lost luggage reimbursem*nt: You and your immediate family member are covered up to $3,000 if you check or carry luggage damaged or lost by the carrier.
- Baggage delay insurance: If there’s a baggage delay of more than six hours, you can be reimbursed for essential purchases, such as toiletries and clothing, up to $100 a day for three days.
Intro APR
N/A
Regular APR
21.99% to 28.99% variable
Annual Fee
$450
Credit Needed
Good - Excellent
- 50,000 bonus miles after spending $5,000 on purchases within the first three months after account opening
- United ClubSM membership
- Two Premier Access® travel services
- First and second checked bag free
- Earn double miles on tickets purchased from United
- Earn 1.5 miles per $1 spent on all other purchases
- No foreign transaction fees
Pros
- With free first and second checked bags
- Welcome offer
- Offers United Club membership
Cons
- Charges high annual fee
- Does not have a 0% introductory period on purchases and balance transfers
- United Club membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star Alliance™affiliated lounges worldwide.
- Avis President’s Club®: Primary cardholders are invited to enroll in Avis President’s Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental services, and more.
- Free two checked bags: The primary cardholder and their companion traveling with the same reservation will each receive free checked bags (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person).
- Lost luggage reimbursem*nt: You and your immediate family member are covered up to $3,000 if you check or carry luggage damaged or lost by the carrier.
- Baggage delay insurance: If there’s a baggage delay of more than six hours, you can be reimbursed for essential purchases, such as toiletries and clothing, up to $100 a day for three days.
Apply Now
On Chase's Secure Website
When grading travel rewards business credit cards like the United ClubSM Business Card, we give the most weight to ongoing rewards, introductory rewards, and additional features. We also consider the card’s annual fee and introductory and ongoing annual percentage rates (APRs).
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 18 | 25 |
Introductory Rewards | 15 | 25 |
Additional Features | 25 | 25 |
Annual Fee | 7 | 15 |
Introductory APR | 5 | |
Ongoing APR | 2 | 5 |
Total Score | 67 | 100 |
Who the United ClubSM Business Card Is Best For
- Those who fly with United Airlines frequently: The card features a United Club membership and travel rewards that can be redeemed for free flights with United Airlines and its affiliates.
- Those who check bags regularly: It’s ideal for owners who check bags on United flights because it allows them and one traveling companion to check two bags each for free each way.
- Those who want airport lounge access: United ClubSM Membership gives you free access to all United Club locations and participating Star AllianceTM affiliated lounges worldwide.
See our recommended alternatives below if this card doesn’t fit your business needs.
United ClubSM Business Card Rewards
- 75,000 bonus miles after spending $5,000 on purchases within the first three months after account opening
- 2x miles on United purchases, including tickets, Economy Plus®, inflight food, beverages, Wi-Fi, and other United charges
- 1.5x miles on all other purchases
Earn 500 Premier qualifying points (PQP) after spending $12,000 on purchases, up to 1,000 PQPs per calendar year—which can be used for your Premier status qualification. Getting Premier Access® travel services would mean getting preferential treatment to ease your way through the airport, i.e., priority check-in, security screening, boarding, and baggage handling privileges (when available).
United ClubSM Business Card Calculator
Figure how much you can earn from the United ClubSM Business Card based on your estimated monthly expenses. Our calculator will compute your potential rewards—just enter your expected monthly spending, and our calculator will do the rest.
Note that each United Mile point is valued at 1.2 cents.
How To Redeem United ClubSM Business Card Rewards
You can use your earned United MileagePlus on United and other airline partners, hotel stays, car rentals, cruises, merchandise, gift cards, and more. You can also buy, transfer, or give miles to another member. Note that if you are opting to transfer miles to another member, it will cost $7.50 per 500 miles (on top of a $30 processing fee per transaction).
Another way to use your United MileagePlus is to request a reimbursem*nt for your annual fee. Simply go to chase.com, click on “More” on your account page, and select “Rewards dashboard.” Choose “Use MileagePlus with Pay Yourself Back” found at the top navigation bar.
United ClubSM Business Card Features
- United ClubSM membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star AllianceTM affiliated lounges worldwide. Visit www.united.com for your updated status on United Club locations and any temporary closures.
- Free two checked bags: The primary cardholder and their companion traveling in the same reservation will each receive free checked bags (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person). Visit United’s website for more information.
- Discount on United inflight and Club premium drink purchases: Get 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on United-operated flights and Club premium drinks when paying with this card.
- Avis President’s Club®: Primary cardholders are invited to enroll in Avis President’s Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental services, and more. Visit the provider’s website for more information.
- Premier upgrades on award tickets: Primary cardholders who have MileagePlus® Premier® status and are traveling on an award ticket with a companion traveling under the same reservation are eligible for a complimentary premier upgrade on selected United- and United Express-operated flights.
- The Luxury Hotel & Resort Collection: Making a reservation through the program with your card entitles you to the following benefits:
- Daily breakfast for two
- Unique benefit that is exclusive to each property, such as a dining or spa credit
- Complimentary Wi-Fi access
- Room upgrades (subject to availability)
- Early check-in and late checkout (subject to availability)
- Trip cancellation/interruption insurance: If your trip is canceled or cut short by sickness, severe weather, or other covered situations, you can be reimbursed. This is up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses made with this card, including passenger fares, tours, and hotels.
- Baggage delay insurance: If there’s a baggage delay of more than six hours, you can be reimbursed for essential purchases, such as toiletries and clothing, up to $100 a day for three days.
- Lost luggage reimbursem*nt: You and your immediate family member are covered up to $3,000 if you check or carry luggage damaged or lost by the carrier.
- Trip delay reimbursem*nt: If your flight is delayed for more than 12 hours and you may require an overnight stay, you and your family members are covered for unreimbursed expenses made with this card, which is worth up to $500 per ticket.
- Auto rental collision damage waiver: You can decline the rental company’s collision insurance and charge the entire rental cost to this card. Coverage is considered primary when renting for business purposes. It provides reimbursem*nt up to the vehicle’s actual cash value for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Your card covers your new purchases for 120 days against damage or theft—up to $10,000 per claim and $50,000 per account.
- Price protection: If a purchase made in the US is advertised for less in either print or digital form within 90 days of purchase, you can reimburse the difference—up to $500 per item and $2,500 per year.
- Return protection: You can reimburse eligible items the store won’t take back within 90 days of purchase—up to $500 per item, $1,000 per year.
- Extended warranty protection: Extends the US manufacturer’s warranty period by an additional year on eligible warranties of three years or less.
United ClubSM Business Card Fees
APRs
- Introductory: None
- Ongoing, balance transfer, and My Chase LoanSM: 21.74% to 28.74% variable, which will adjust based on the prime rate
- Cash advance: 29.99% variable, which will adjust based on the prime rate
- Penalty: Up to 29.99% variable, which will adjust based on the prime rate; will be applied indefinitely to your account if you:
- Fail to make a minimum payment by the date and time it’s due.
- Made an unpaid returned payment.
Fees
- Annual: $450
- My Chase PlanSM Fee (fixed finance charge): Monthly fee of 1.72% of either the amount of each eligible purchase or the amount selected to create a My Chase Plan
- Balance transfer: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash advance: Either $15 or 5% of the amount of each transaction, whichever is greater
- Foreign transaction: None
- Late and return payment: $40
- Return check: None
Your due date is at least 20 days after the close of each billing cycle.
- Online or Chase Mobile® app: Go to chase.com/paycard to make a payment online. You can also enroll in automatic payments through the website or mobile app. When you enroll, specify the deposit account from which your payment will be deducted and how much you’d like to pay, such as your statement balance, minimum payment due, or any fixed amount.
- Phone: Call the automated phone service at (800) 436-7958.
- Mail or money order: Include your name and full account number on your check or money order—don’t send cash. Mail your payment to the following address:
Cardmember Services
PO Box 6294
Carol Stream, IL 60197-6294
Alternatively, you can send your payment via overnight mail to the following address:
Chase Card Services
201 N. Walnut St.
Del-0153
Wilmington, DE 19801
- Western Union: Use the Code City WALNUT when paying via Western Union. It may take up to seven days for the payment to be reflected in your account.
- In-person: Go to the nearest Chase ATM or branch
United ClubSM Business Card Alternatives
Chase Ink Business Preferred®
Ink Business Preferred® Credit Card
BEST FOR:
Maximizing travel rewards at a lower annual fee
- Overview
- Card Details
- Additional Features
Apply Now
On Chase's Secure Website
Intro APR
N/A
Regular APR
21.24%-26.24% Variable
Annual Fee
$95
Credit Needed
Good to Excellent
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Read Full Review
Intro APR
N/A
Regular APR
21.24%-26.24% Variable
Annual Fee
$95
Credit Needed
Good to Excellent
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Read Full Review
Apply Now
On Chase's Secure Website
When To Consider Chase Ink Business Preferred®
- You wish to earn points rewards other than travel: It lets you earn 3x points per dollar spent on the first $150,000 in combined purchases on four categories on each account anniversary. These categories are travel, shipping purchases, advertising on search engines and social media sites, and expenses on internet, cable, and phone services.
Other Benefits
- Lets you earn 100,000 bonus points after spending $8,000 on purchases within the first 3 months of card ownership
- Offers the option to decline the rental company’s collision insurance and receive reimbursem*nt up to the actual cash value after using the card to pay the entire rental cost
- Offers up to $1,000 per claim in cellphone protection against covered theft or damage
Its lucrative introductory bonus is why it is our best business credit card for travel. See our roundup of the best Chase business credit cards for more options from the issuer.
UnitedSM Business Card
United℠ Business Card
BEST FOR:
Frequent United Airlines flyers who want to earn travel rewards
- Overview
- Card Details
- Additional Features
Apply Now
On Chase's Secure Website
Intro APR
N/A
Regular APR
21.99% to 28.99% Variable
Annual Fee
$99
Credit Needed
Good - Excellent
- Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
Pros
- Doesn’t charge annual transaction fees
- With generous welcome offer
- High rewards rate
Cons
- Doesn’t offer 0% introductory APR on purchases and balance transfers
- Charges annual fees during the second year
- Need to pay separately for unlimited access to United Club
- Free employee cards: You can create employee cards at no additional cost—letting you earn miles faster and set individual spending limits for each employee card made.
- Priority boarding: Cardholders and their companions included on the same reservation will be invited to board first on any United-operated flight.
- Free first checked bag and save up to $140 per round trip: Both the primary cardholder and one companion traveling on the same reservation will each receive their first standard checked bag free—up to $35 value, each way, per person—on United-operated flights when the cardholder included their United MileagePlus® number in their reservation.
- Lost luggage reimbursem*nt: If your or your immediate family member’s check or carry luggage was damaged or lost by the carrier, you can get up to $3,000 reimbursem*nt per passenger.
- Baggage delay insurance: Receive reimbursem*nt on essential purchases, such as toiletries and clothing, for baggage delays of more than six hours by passenger carrier or up to $100 a day for three days.
Read Full Review
Intro APR
N/A
Regular APR
21.99% to 28.99% Variable
Annual Fee
$99
Credit Needed
Good - Excellent
- Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
Pros
- Doesn’t charge annual transaction fees
- With generous welcome offer
- High rewards rate
Cons
- Doesn’t offer 0% introductory APR on purchases and balance transfers
- Charges annual fees during the second year
- Need to pay separately for unlimited access to United Club
- Free employee cards: You can create employee cards at no additional cost—letting you earn miles faster and set individual spending limits for each employee card made.
- Priority boarding: Cardholders and their companions included on the same reservation will be invited to board first on any United-operated flight.
- Free first checked bag and save up to $140 per round trip: Both the primary cardholder and one companion traveling on the same reservation will each receive their first standard checked bag free—up to $35 value, each way, per person—on United-operated flights when the cardholder included their United MileagePlus® number in their reservation.
- Lost luggage reimbursem*nt: If your or your immediate family member’s check or carry luggage was damaged or lost by the carrier, you can get up to $3,000 reimbursem*nt per passenger.
- Baggage delay insurance: Receive reimbursem*nt on essential purchases, such as toiletries and clothing, for baggage delays of more than six hours by passenger carrier or up to $100 a day for three days.
Read Full Review
Apply Now
On Chase's Secure Website
When To Consider UnitedSM Business Card
- You want an alternative co-branded travel business credit card: It offers almost the same set of rewards and benefits at a lower annual fee of $99 (with the first year waived)
- You also make significant purchases on other spending categories: Aside from purchases made from United, this card also lets you earn 2x miles per dollar spent at gas stations, office supply stores, local transit and commuting, and dining (including eligible delivery services)
Other Benefits
- Lets you earn 75,000 bonus miles after spending $5,000 within the first 3 months of card ownership
- Offers the first checked bag for free, letting you save up to $140 per round trip
- Offers a $100 United travel credit after seven United flight purchases of $100 or more within each card anniversary
- Offers two United ClubSM one-time passes after account opening and on each anniversary
Its premium rewards on United purchases and other spending categories and lower annual fee are why this card is on our lists of the best business credit cards for miles and top business credit cards for consultants. See our list of the leading Chase business credit cards for more options from the issuing bank.
American Express Business Platinum Card®
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
- Overview
- Card Details
- Additional Features
Apply Now
on The Business Platinum Card® from American Express's secure website.
Intro APR
N/A
Regular APR
19.49% - 27.49% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Read Full Review
Intro APR
N/A
Regular APR
19.49% - 27.49% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Read Full Review
Apply Now
on The Business Platinum Card® from American Express's secure website.
When To Consider American Express Business Platinum Card®
- You prefer to appreciate luxury travel perks: It offers access to more than 1,400 airport lounges worldwide, airline fee credits, and an upgraded status for Marriott BonvoyTM and Hilton Honors.
Other Benefits
- Lets you earn up to 5x Membership Rewards® points on selected categories
- Offers up to $400 in statement credit per year when you use your card to purchase Dell Technologies
- Offers up to $360 in statement credit per year after using the card to make purchases with Indeed
- Provides secure online year-end summaries and lets you view your purchases made from January 1 to December 31 of the prior year
- Provides the option to pay your balances (with interest) over time through the Pay Over Time feature
Its ability to provide airport lounge access to The Global Lounge Collection, high credit limit, and Pay Over Time feature are why it is our top business credit card with airport lounge access and leading high-limit business credit card. For more options from the issuing bank, you can check our list of the best American Express business credit cards.
Bottom Line
United ClubSM Business Card is an ideal travel card for business owners who often fly with United Airlines, want to use the United Club lounges, and have their bags checked. It offers several travel perks, including free checked bags, comprehensive travel and purchase coverages, and Premier Access® travel services.
Note that other small business cards give you and your companions access to more than a thousand airport lounges, charge a lower annual fee, and offer better travel rewards.
