United ClubSM Business Card Review

How will the United ClubSM Business Card affect business? The company offers a variety of services that can help reduce costs and streamline accounting. Find out what this card has to offer today!

The “united business card” is a credit card that can be used at United ClubSM locations. The card is designed to make it easier for frequent flyers to earn and use points on flights.

The United ClubSM Company Card is a great travel card for business owners who fly United Airlines often. This credit card for small businesses gives travel credits that may be used to book free flights with United and its partner airlines. A United Club membership, worth $650 per year, is included in the $450 yearly cost.

Business Card for United ClubSM

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

United Airlines aficionados who visit the airport lounge on a regular basis

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Chase’s Protected Website

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APR on a regular basis

Variable 16.49 percent – 23.49 percent

Credit is required.

Excellent – Excellent

• Earn a bonus of 100,000 miles
• Membership in the United ClubSM
• There are There are two Travel Services by Premier Access® available. available.
• The first and second checked bags are complimentary.
• When you buy tickets from United, you get double miles.
• On all other purchases, you’ll get 1.5 miles each $1 spent.
• There are no costs for international transactions.

Pros

• United Club membership is free.
• The first and second checked luggage are free.

Cons

• The yearly price is rather high.
• Low long-term incentives

• United Club Passes: You and your travel companions will get free access to United Club sites.
• Free checked baggage: On the same reservation, you and your companion will get Two free checked bags.
• For you and your companions on the same reservation, Premier Access includes an accelerated airport security screening line, priority boarding, and priority baggage handling.
• Hertz Gold Plus Rewards elite status: Gain entry to the President’s Circle of Hertz Gold Plus Rewards for special benefits and savings.
• Trip insurance reimburses you up to $10,000 per person and $20,000 per vacation if your trip is canceled. You’ll also be covered if your flight is delayed for an acceptable cause for up to 12 hours.
• Insurance for Baggage Delay covers you for up to $100 per day if your baggage is delayed or misplaced for more than six hours.
• Lost baggage reimbursement: Up to $3,000 per person is covered for any lost or damaged luggage when traveling with United Carriers and partner airlines.
• When you waive the car rental dealer’s insurance and the whole rental purchase is put on the card, you’re insured in the event of a damaged or stolen rental vehicle. 
• Purchase Insurance: If an item is damaged or stolen within 120 days of purchase, you’ll get a repair, a replacement, or a refund, up to $10,000 per item and $50,000 per year. 
• Extended warranty protection: With manufacturer’s warranties of three years or less, you’ll get an extra year of warranty protection, up to $10,000 per item and $50,000 per year.

APR on a regular basis

Variable 16.49 percent – 23.49 percent

Credit is required.

Excellent – Excellent

• Earn a bonus of 100,000 miles
• Membership in the United ClubSM
• There are There are two Travel Services by Premier Access® available. available.
• The first and second checked bags are complimentary.
• When you buy tickets from United, you get double miles.
• On all other purchases, you’ll get 1.5 miles each $1 spent.
• There are no costs for international transactions.

Pros

• United Club membership is free.
• The first and second checked luggage are free.

Cons

• The yearly price is rather high.
• Low long-term incentives

• United Club Passes: You and your travel companions will get free access to United Club sites.
• Free checked baggage: On the same reservation, you and your companion will get Two free checked bags.
• For you and your companions on the same reservation, Premier Access includes an accelerated airport security screening line, priority boarding, and priority baggage handling.
• Hertz Gold Plus Rewards elite status: Gain entry to the President’s Circle of Hertz Gold Plus Rewards for special benefits and savings.
• Trip insurance reimburses you up to $10,000 per person and $20,000 per vacation if your trip is canceled. You’ll also be covered if your flight is delayed for an acceptable cause for up to 12 hours.
• Insurance for Baggage Delay covers you for up to $100 per day if your baggage is delayed or misplaced for more than six hours.
• Lost baggage reimbursement: Up to $3,000 per person is covered for any lost or damaged luggage when traveling with United Carriers and partner airlines.
• When you waive the car rental dealer’s insurance and the whole rental purchase is put on the card, you’re insured in the event of a damaged or stolen rental vehicle. 
• Purchase Insurance: If an item is damaged or stolen within 120 days of purchase, you’ll get a repair, a replacement, or a refund, up to $10,000 per item and $50,000 per year. 
• Extended warranty protection: With manufacturer’s warranties of three years or less, you’ll get an extra year of warranty protection, up to $10,000 per item and $50,000 per year.

Do you wish to compare the characteristics of two cards? We’ve made it simple for you to do so by allowing you to check off up to three cards on this page and adding them to your basket. You’ll be able to compare the information in a side-by-side comparison this way.

Who Would Benefit from a United ClubSM Business Card?

• Business owners who travel with United Airlines on a regular basis: The United ClubSM Business Card comes with a United Club membership and travel points that may be used to get a free trip with United Airlines and its affiliates.
• The United ClubSM Business Card is especially great for business owners who often check baggage on United flights since it lets you and one traveling partner to check two bags each for free each trip.
• Business owners who desire free access to airport lounges: This business credit card may provide you with free entry to more than 50 airport lounges that include high-speed internet, complimentary refreshments, and other amenities.

How Do We Assess Business Travel Rewards Credit Cards?

We prioritize continuing benefits, initial incentives, and other features when assessing travel rewards business credit cards like the United ClubSM Business Card. The yearly charge, introductory annual percentage rates (APRs), and recurring APRs are also taken into account.

Fees for United ClubSM Business Cards

• APR for the first time: None
• Ongoing Annual Percentage Rate (APR): 16.49 percent to 23.49 percent changeable, based on prime rate.
• The annual charge is $450.
• Fee for balance transfers: $5 or 5% of the amount transferred, whichever is larger.
• Fees for international transactions: none
• Cash advance fee: $15 or 5% of each transaction’s total amount, whichever is larger.
• Fees for late and returned payments: $40

Rewards from the United ClubSM Business Card

• When you buy anything from United, you get 2x miles.
• On any other purchases, you’ll get 1.5 times the miles.

Offer of Welcome: Spend $5,000 on purchases in the first three months after creating your account to get 75,000 bonus miles.

Employee cards are also available at no extra cost. Employee card miles accumulate in your account, enabling you to earn rewards more quickly.

Additional Features of the United ClubSM Business Card

Membership in the United ClubSM

When you use the United ClubSM Business Card, you and your qualifying travel companions will have free access to more than 45 United Club locations, five United Polaris® lounges and partner lounges, as well as participating Star AllianceTM associated lounges across the globe. Before booking your vacation, be sure to check the entrance criteria to see whether you’re eligible.

The cost of membership is determined by the prospective member’s existing MileagePlus status.

• $650 or 85,000 miles for general members
• Silver Premier®: $650 or 85,000 miles
• $650 or 85,000 miles for Premier Gold
• Platinum Premier: $600 or 80,000 miles
• $550 or 75,000 miles for the Premier 1K®

Two free checked bags

When travelling on United-operated flights, if you pay with your United ClubSM Business Card, you and one other traveling companion will get your first and second standard checked baggage for free (up to a $35 value for the first checked bag and up to a $45 value for the second checked bag per person). The savings from this option may be as much as $320 per round trip.

Travel Services by Premier Access®

Premier Access® is available to you and your companions who are traveling on the same reservation. Your MileagePlus® number must be included in your reservation to take benefit of this function. Designated check-in lines, priority security lanes, priority boarding, and priority baggage handling are among the travel perks provided to cardholders.

Premier Access® is only accessible on United and United Express flights.

Insurance for Baggage Delay

If your luggage is delayed for more than six hours, you may be paid up to $100 each day for three days for necessary items such as toiletries and clothes.

Reimbursement for Lost Luggage

If your checked or carryon baggage is damaged or lost by the carrier, you and your immediate family are protected up to $3,000 each.

Reimbursement for Trip Delays

If your flight is delayed for more than 12 hours or requires an overnight stay, you and your family are protected for unreimbursed charges up to $500 per ticket if you use your United ClubSM Business Card.

Insurance for Trip Cancellation/Interruption

You may be reimbursed up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenditures incurred with your United ClubSM Business Card, including passenger tickets, excursions, and accommodations, if your trip is canceled or cut short due to illness, extreme weather, or other covered events.

Transportation and Evacuation in an Emergency

With your United ClubSM Business Card, you or a member of your immediate family may be covered for medical treatments and transportation if you or a member of your immediate family is injured or becomes ill while on a trip and requires an emergency evacuation.

Insurance for Travel Accidents

When you travel by air, bus, rail, or cruise with your United ClubSM Business Card, you may be eligible for up to $500,000 in accidental death or dismemberment coverage.

Services for travel and emergency assistance

When you’re away from home, you may contact the Benefit Administrator for legal and medical referrals, as well as other travel and emergency support. It should be emphasized that the cost of any items or services purchased will be your responsibility.

Collision Damage Waiver for Car Rentals

You may opt out of the rental company’s collision insurance and pay for the whole rental with your United ClubSM Business Card. When renting a car for business, main coverage is recommended, since it covers theft and collision damage up to the vehicle’s real cash worth for most automobiles in the United States and overseas.

Purchase Insurance

Aside from extended warranty protection, which extends the time period of the United States manufacturer’s warranty by an additional year, you can also get Purchase Insurance for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.

Finally, if the retailer won’t accept back specific things bought with your United ClubSM Business Card within 90 days of purchase, you may be paid up to $500 per item and $1,000 per year if the business won’t take them back.

Pros & Cons of the United ClubSM Business Card

Alternatives to the United ClubSM Business Card

Capital One® Spark® Business Miles

The Capital One® Spark® Business Miles card is an alternative for business owners who frequently travel and book hotels and rental cars through Capital One Travel. You’ll earn 5x unlimited reward miles and unlimited 2x miles on any business purchase. You can also earn up to $100 credit for Global Entry or TSA PreCheck, get two free visits each year to a Capital One airport lounge, and pay There are no costs for international transactions..

Capital One® Spark® Business Miles

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Every swipe earns you 2x miles.

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on Capital One® Spark® Business Miles’s secure website.

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APR on a regular basis

20% (20.99%) (Variable)

a yearly fee

For the first year, there is no charge; after that, it is $95 each year.

Credit is required.

Excellent, Good

• After spending $4,500 in the first three months, you’ll get a $500 trip incentive.
• 2 kilometers for every $1 invested
• Employee cards may be distributed for free.

Pros

• There are no costs for international transactions.
• Credit for TSA Pre® or Global Entry application fees

Cons

• You’ll pay an a yearly fee after the first year
• Doesn’t provide interest-free credit.

• Once every four years, you’ll get a $100 statement credit for Global Entry or a $85 statement credit for TSA Pre® airport security screening.
• Most purchases bought solely with your card are protected if they are destroyed or stolen within 90 days of the purchase date. The amount of coverage is capped at $10,000 per claim and $50,000 per cardholder account per year.
• On most things you buy, extended warranty coverage doubles the original guarantee duration and duplicates the coverage of the original manufacturer’s warranty for a maximum of 12 months. 
• Medical referrals if you have a medical emergency while traveling: If you suffer a medical emergency while traveling, provide recommendations to medical assistance. If you’re 100 miles or more from home, you’re protected from the time you depart until midnight on the 60th day of your vacation, or until you return to your home city, whichever comes first.

APR on a regular basis

20% (20.99%) (Variable)

a yearly fee

For the first year, there is no charge; after that, it is $95 each year.

Credit is required.

Excellent, Good

• After spending $4,500 in the first three months, you’ll get a $500 trip incentive.
• 2 kilometers for every $1 invested
• Employee cards may be distributed for free.

Pros

• There are no costs for international transactions.
• Credit for TSA Pre® or Global Entry application fees

Cons

• You’ll pay an a yearly fee after the first year
• Doesn’t provide interest-free credit.

• Once every four years, you’ll get a $100 statement credit for Global Entry or a $85 statement credit for TSA Pre® airport security screening.
• Most purchases bought solely with your card are protected if they are destroyed or stolen within 90 days of the purchase date. The amount of coverage is capped at $10,000 per claim and $50,000 per cardholder account per year.
• On most things you buy, extended warranty coverage doubles the original guarantee duration and duplicates the coverage of the original manufacturer’s warranty for a maximum of 12 months. 
• Medical referrals if you have a medical emergency while traveling: If you suffer a medical emergency while traveling, provide recommendations to medical assistance. If you’re 100 miles or more from home, you’re protected from the time you depart until midnight on the 60th day of your vacation, or until you return to your home city, whichever comes first.

The The American Express® Business Gold Card is a credit card issued by American Express. is a credit card issued by American Express.

Another card to consider is the American Express® Business Gold, which offers 4x Membership Rewards® per $1 on two of the six categories where your company spends the most: airfare, advertising (online, radio, or television), computer hardware, computer software, cloud systems, gas stations, restaurants, and shipping. You may also get one point for every dollar spent on all other business purchases.

The The American Express® Business Gold Card is a credit card issued by American Express. is a credit card issued by American Express.

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting the most out of your incentives in the two areas where you spend the most

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on The The American Express® Business Gold Card is a credit card issued by American Express. is a credit card issued by American Express.’s secure website.

Compare with

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Spend $10,000 on qualifying purchases with the Business Gold Card during the first three months of Card Membership to earn 70,000 Membership Rewards® points.
• MORE REWARDS: Earn 4X Membership Rewards® points in the two areas where your company spends the most money each month. Other purchases give you 1X points. **
• **The first $150,000 in combined purchases from these two categories each calendar year earns you 4X points.
• AIRLINE BONUS: Earn 25% back after using points to book all or part of a qualifying flight with Amex Travel, up to 250,000 points per calendar year*.
• OPTION TO PAY OVER TIME: Choose whether to pay for qualifying items in full each month or to pay over time with interest.
• *Conditions apply.

Pros

• Every month, earn 4x points in two categories.
• Pay qualifying charges over time with interest, or make a monthly payment in full.

Cons

• You’ll pay a The yearly price is rather high. of $295
• There are no options for interest-free financing.

• Free premium roadside assistance up to four times each year. Towing up to 10 miles, winching, jump starts, flat tire changing, lockout service while the key is in the car, and up to two gallons of gas delivery are all available.
• When a retailer refuses to accept returns of undamaged merchandise, American Express will repay you for qualified purchases. Coverage is limited to 90 days from the date of purchase, a maximum of $300 per item, and $1,000 per year.
• Baggage insurance: You may get up to $1,250 in coverage for carry-on luggage and $500 for checked luggage if your luggage is lost, damaged, or stolen.
• Purchases with valid warranties of five years or fewer are eligible for an extended warranty of one year.
• Purchase Insurance: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Spend $10,000 on qualifying purchases with the Business Gold Card during the first three months of Card Membership to earn 70,000 Membership Rewards® points.
• MORE REWARDS: Earn 4X Membership Rewards® points in the two areas where your company spends the most money each month. Other purchases give you 1X points. **
• **The first $150,000 in combined purchases from these two categories each calendar year earns you 4X points.
• AIRLINE BONUS: Earn 25% back after using points to book all or part of a qualifying flight with Amex Travel, up to 250,000 points per calendar year*.
• OPTION TO PAY OVER TIME: Choose whether to pay for qualifying items in full each month or to pay over time with interest.
• *Conditions apply.

Pros

• Every month, earn 4x points in two categories.
• Pay qualifying charges over time with interest, or make a monthly payment in full.

Cons

• You’ll pay a The yearly price is rather high. of $295
• There are no options for interest-free financing.

• Free premium roadside assistance up to four times each year. Towing up to 10 miles, winching, jump starts, flat tire changing, lockout service while the key is in the car, and up to two gallons of gas delivery are all available.
• When a retailer refuses to accept returns of undamaged merchandise, American Express will repay you for qualified purchases. Coverage is limited to 90 days from the date of purchase, a maximum of $300 per item, and $1,000 per year.
• Baggage insurance: You may get up to $1,250 in coverage for carry-on luggage and $500 for checked luggage if your luggage is lost, damaged, or stolen.
• Purchases with valid warranties of five years or fewer are eligible for an extended warranty of one year.
• Purchase Insurance: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.

Business Advantage from Bank of America® Mastercard® Travel Rewards World

The Business Advantage from Bank of America® Mastercard® Travel Rewards World is another card that business owners who travel frequently should consider. It doesn’t charge any a yearly fee, and cardholders can earn 1.5 points for every $1 spent on any business purchase and 3x points for every $1 when you book travel through the Bank of America®

Business Advantage from Bank of America® Mastercard® Travel Rewards World credit card

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting the most out of your travel purchases made via Bank of America

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on Business Advantage from Bank of America® Mastercard® Travel Rewards World credit card’s secure website.

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Intro APR

0% after nine billing cycles

APR on a regular basis

Purchases have a variable APR of 12.24 percent to 22.24 percent.

• Make at least $3,000 in net purchases within 90 days of account creation to earn 30,000 bonus points, which may be used for a $300 statement credit toward travel purchases.
• Earn 1.5 points for every $1 spent on any purchase, anywhere, at any time, regardless of how much you spend. Points do not have an expiration date.
• Earn 3 points for every dollar spent on travel purchases made via the Bank of America® Travel Center, such as a vehicle, hotel, or airline.
• No a yearly fee and no international transaction fees.
• For the first nine billing cycles, you’ll get a 0% introductory APR on purchases.
• Redeem points for no-blackout-date travel, cash back, or gift cards.
• When you join the Preferred Rewards for Business Platinum Honors tier, you’ll get 75 percent extra points on the basic earn of every transaction. That means you’ll get 2.62 points for every $1 spent at the Bank of America® Travel Center and 4.12 points for every $1 spent elsewhere.

Pros

• No a yearly fee: By not having to pay an a yearly fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
• No travel ban dates: You may use your points to book travel or travel credits via the Bank of America® Travel Center at any time.
• 3x points on travel: When you book your trip (vehicle, hotel, or airline) via the Bank of America® Travel Center, you may earn 3x points for every dollar spent.
• You will get 30,000 bonus points if you can spend $3,000 in net purchases within 90 days of starting an account.

Cons

• Low long-term incentives on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
• Short initial 0% APR duration: The Bank of America Business Advantage Travel Rewards World Mastercard® gives 0% APR for the first nine billing cycles after account creation, which is a drawback if you want a longer 0% APR period.
• There is no promotional 0% APR on balance transfers: The introductory 0% APR applies just to purchases; if you need to transfer a balance from another credit card, you’ll have to pay an APR ranging from 12.24 percent to 22.24 percent.

• Bank of America does not provide the specifics of its extra card features. When you get your card in the mail, go through the benefits guide to learn more about these extra features.

Intro APR

0% after nine billing cycles

APR on a regular basis

Purchases have a variable APR of 12.24 percent to 22.24 percent.

• Make at least $3,000 in net purchases within 90 days of account creation to earn 30,000 bonus points, which may be used for a $300 statement credit toward travel purchases.
• Earn 1.5 points for every $1 spent on any purchase, anywhere, at any time, regardless of how much you spend. Points do not have an expiration date.
• Earn 3 points for every dollar spent on travel purchases made via the Bank of America® Travel Center, such as a vehicle, hotel, or airline.
• No a yearly fee and no international transaction fees.
• For the first nine billing cycles, you’ll get a 0% introductory APR on purchases.
• Redeem points for no-blackout-date travel, cash back, or gift cards.
• When you join the Preferred Rewards for Business Platinum Honors tier, you’ll get 75 percent extra points on the basic earn of every transaction. That means you’ll get 2.62 points for every $1 spent at the Bank of America® Travel Center and 4.12 points for every $1 spent elsewhere.

Pros

• No a yearly fee: By not having to pay an a yearly fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
• No travel ban dates: You may use your points to book travel or travel credits via the Bank of America® Travel Center at any time.
• 3x points on travel: When you book your trip (vehicle, hotel, or airline) via the Bank of America® Travel Center, you may earn 3x points for every dollar spent.
• You will get 30,000 bonus points if you can spend $3,000 in net purchases within 90 days of starting an account.

Cons

• Low long-term incentives on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
• Short initial 0% APR duration: The Bank of America Business Advantage Travel Rewards World Mastercard® gives 0% APR for the first nine billing cycles after account creation, which is a drawback if you want a longer 0% APR period.
• There is no promotional 0% APR on balance transfers: The introductory 0% APR applies just to purchases; if you need to transfer a balance from another credit card, you’ll have to pay an APR ranging from 12.24 percent to 22.24 percent.

• Bank of America does not provide the specifics of its extra card features. When you get your card in the mail, go through the benefits guide to learn more about these extra features.

Conclusion

The United ClubSM Business Card is an ideal travel card for business owners who often fly with United Airlines and want to use the United Club lounges. It offers several travel perks, including free checked bags and Travel Services by Premier Access®. If this card isn’t what you’re looking for, check out our Business Credit Card Marketplace to find a better option.

United ClubSM is a business card that offers benefits for the user. The United explorer business card can offer discounts on flights, hotels, and other perks. Reference: united explorer business card benefits.

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