Chase United Club Business
At a glance
- Bonus
- 90,000 miles + 2,000 PQP + 10,000 miles for adding a userUnited MileagePlus
- To earn it
- Spend $5,000 in 3 months
- Annual fee
- $695 annual fee
- Apply by
- No public end date stated
Terms and eligibility can change. Confirm the details with the issuer before you apply.
Credits and perks
Most used first. Tick what you don't need and the math leaves it out. Full terms are on the issuer's site.
Biggest catches
- $695 fee from day one. There's no first-year waiver, so you pay $695 before you've used any perk. creditcards.chase.com
- Chase 5/24 still applies to business cards. Business applications are subject to 5/24 even though Chase business cards don't add to your count. Over 5/24 means a likely denial. doctorofcredit.com (third-party)
- No Star Alliance lounges. The included Club membership covers United Clubs only. Star Alliance lounges need All Access, which takes $50,000 in a calendar year or Premier Gold. creditcards.chase.com
- Employee cards don't get Club access. Only the primary cardmember gets the United Club membership. creditcards.chase.com
- Bonus miles can be clawed back within six months. If the account isn't open at least six months, United and Chase can deduct the bonus miles. Don't cancel or product-change before month seven. creditcards.chase.com
- Cash-like transactions don't count toward the spend. Travelers checks, foreign currency, money orders, wire transfers, betting transactions, balance transfers and fees aren't purchases. creditcards.chase.com
- Bonus posts 6 to 8 weeks after the spend. Don't book an award counting on the bonus miles right after you hit the spend. creditcards.chase.com
Third-party report; not confirmed in the official offer terms we could retrieve. Details may be outdated or channel-specific. Verify the offer shown by the issuer before applying.
YMMV: approval and bonus eligibility are the issuer's decision.
Sensei's move
Pair with a personal United card for 5,000 miles a year
If you also hold a personal United card (any without "business" in the name), this card adds 5,000 bonus miles each account anniversary.
Still works as of Oct 18, 2026 · creditcards.chase.com
Earn status on spend
You earn 1 PQP per $15 spent, up to 28,000 PQP a calendar year. The 2,000 welcome PQP don't count toward that cap.
Still works as of Oct 18, 2026 · creditcards.chase.com
Spend $50,000 for All Access
$50,000 in net purchases in a calendar year upgrades you to United Club All Access, which adds Star Alliance lounges and a second adult guest.
Still works as of Oct 18, 2026 · creditcards.chase.com
Top up with Chase Ultimate Rewards
Ultimate Rewards from an Ink or Sapphire card transfer 1:1 to United, so an Ink Business Preferred plus this card covers big awards.
Still works as of Oct 18, 2026 · frequentmiler.com (third-party)
Third-party report; not confirmed in the official offer terms we could retrieve. Details may be outdated or channel-specific. Verify the offer shown by the issuer before applying.
Sensei's take
Up to 100,000 miles plus 2,000 PQP for $5,000 is a big bonus, and it doesn't add to your 5/24 count, but the $695 fee is charged from day one. Keep it only if you fly United often enough to use the Club membership and free bags; the $200 hotel and JSX credits are narrow. For most churners it's a one-year card, cancelled after month six and before the second fee.
Our opinion, from the facts on this page as of Oct 18, 2026.
Weighing this card? Put it before the Money Court jury
Offer historyInsufficient history
We have one reviewed observation of this offer so far (Oct 18, 2026). History charts appear once we have enough comparable, reviewed offers, and gaps will show as gaps.
Sources
Terms can change. Spotted something out of date? Tell us and we'll recheck it against the provider's page.
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