United Club Business rewards & benefits.

Chase · credit · $450 annual fee · <p><span class="d-block"><span class="d-block font-24 font-weight-4 line-height-100">2X </span></span><span class="d-block font-12 font-weight-2">on United purchases</span></p> <p><span class="d-block font-12 font-weight-2">1.5X on all other purchases</span></p>. Here's what it earns, what it costs, and whether it's worth it.

Rewards by category

effective cash-back rate
·
Dining
1%
·
Groceries
1%
·
Gas
1%
·
Travel
1%
·
Online shopping
1%
·
Entertainment
1%
·
Transit
1%
·
Everything else
1%
·
Annual fee
$450
·
Welcome bonus
No current welcome bonus

Perks

  • — about $650/yr
  • — about $30/yr

Is the United Club Business worth it?

On a typical US spending profile, the United Club Business projects to about $444 in annual rewards, or roughly $-6 after its $450 annual fee. Your real number depends on where you actually spend — and on catching the credits and bonuses most people forget. WalletFlo tracks all of it automatically.

Common questions

What credit score do I need for the United Club Business?

A good-to-excellent credit score is generally recommended. Approval also depends on income, existing accounts, and issuer rules.

Is the United Club Business's annual fee worth it?

It charges $450 a year. Use the annual-fee calculator to check for your situation.

See what your real wallet is actually earning — and what you're leaving on the table.

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