United MileagePlus Club Business Card review | finder.com

United MileagePlus® Club Business Card review – April 2019

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United MileagePlus® Club Business Card

A card that lets you save big on baggage fees and visits to United Club℠ airport lounges.

  • Get this card if United Airlines is your go-to airline for business travel.
  • Pick something else if you want cash back rewards or a card with 0% intro APR on purchases and balance transfers.
  • Apply with a good to excellent credit score.
  • Product NameUnited MileagePlus® Club Business Card
    Card TypeVisa
    Annual Fee$450
    Purchase APR18.24% to 25.24% variable
    Intro Purchase APR

    N/A

    Balance Transfer APR18.24% to 25.24% variable
    Intro Balance Transfer APR

    N/A

    Balance Transfer Fee$5 or 5% of the transaction, whichever is greater
    Cash Advance Rate27.24% variable
    Foreign Transaction FeeNone
    Cash Advance Fee$15 or 5% of the cash advance amount, whichever is greater
    Interest Free PeriodUp to 20 days
    Late Payment Fee$39
    Returned Payment Fee$39
    Additional Cardholder Fee$0
    Rates & FeesRates & Fees
    Minimum Age18 years of age
    Welcome OfferEarn a $100 statement credit after your first purchase
    RewardsEarn 2x miles on tickets purchased from United and 1.5x miles on all other purchases.
    Base Rewards1.5x miles
    Rewards Points ExpiryNever

    The basics

    The United MileagePlus® Club Business Card by Chase is a small business credit card tailored for frequent United fliers. You earn 2 miles per dollar on United Airlines purchases and 1.5 miles per dollar on all other purchases. Redeem these miles for United and Star Alliance™ flights, cabin upgrades, hotel booking, gift cards, shopping, airport dining and more.

    Some of the benefits that come with the card are complimentary access to airport lounges worldwide from United Club℠ and Star Alliance™, room upgrades at the Luxury Hotel and Resort Collection, two free checked bags per round trip for you and your companion, concierge service, travel insurance and more.

    The only thing that disappoints is the stingy signup bonus of $100 in statement credit when you make your first purchase. Although it’s easy to acquire, for a card worth $450 per year, Chase and United could’ve been more generous with it. In comparison, the United℠ Explorer Business Card comes with a signup bonus of 75,000 bonus miles after you spend $3,000 on purchases in the first 3 months of opening your account, and yet it only costs $95 per year.

    Compare United℠ Explorer Business Card vs. United MileagePlus® Club Business Card

    How much are United miles worth?

    • iPhone 8 64GB valued at $699. Buy it for 93,200 miles, or $0.75 per mile.
    • Samsonite carry-on bag valued at $199. Buy it for 25,200 miles, or $0.79 per mile.
    • Mandalay Bay Resort and Casino in Las Vegas starting at $287. Get two nights for 13,090 miles, or $2.19 per mile.
    • The Palazzo Las Vegas starting at $312. Get a luxury suite with king-sized bed for two nights for 17,060 miles, or $1.83 per mile.
    • Roundtrip flight from New York to Los Angeles starting at $396. Get a basic economy flight starting at 17,500 miles, or $2.26 per mile.

    To find the best value for your miles, divide the cash price by the miles: The higher the number you get, the better the value.

    The United MileagePlus® Club Business Card favors hotel accommodations and flights with a higher value per mile. To get the most of your card, you should consider spending your miles exclusively on these two categories.

    Another premium airline business card

    Delta Reserve for Business Credit Card

    • Earn 40,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases with your new card in your first 3 months.
    • Earn 15,000 Medallion® Qualification Miles (MQMs) and 15,000 bonus miles after you reach $30,000 in eligible purchases on your card in the calendar year.
    • Earn 2 miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
    • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
    • Pay no foreign transaction fees when you spend overseas.
    • Enter Delta Sky Club® at no cost and bring up to two guests for an exclusive rate of $29 per person per visit.
    • Terms and limitations apply
    Read less
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    See Rates & Fees
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    The perks

    • United Club℠ membership.

      Get access for you and your companions to all United Club℠ and Star Alliance™ affiliated lounges worldwide. Save up to $550 in lounge visits per year.

    • Luxury Hotel and Resort Collection benefits.

      Make a reservation with your card and get daily breakfast for two, dining or spa credit, complimentary Wi-Fi, a room upgrade if available and the option of early check-in and late check-out.

    • Free checked bags.

      Get first and second checked bags for free for you and one companion. Save $240 per round trip, as the first bag costs $25 and the second costs $35 per person — one way.

    • Reward miles.

      Earn 2 miles per dollar for every United purchase and 1.5 miles per dollar on all other purchases. Miles don’t expire as long as your account is open. Redeem miles for United and Star Alliance™ flights, cabin upgrades, airport dining, shopping, gift cards, hotels and more.

    Guide to the Star Alliance Global Airline Network

    You’ll also like …

    • 0% foreign transaction fees.

      Use your card whenever you want when traveling overseas without worrying about paying extra fees.

    • Priority services when traveling.

      Get priority check-in, security screening when available, boarding and baggage privileges — ideal if you don’t want to wait around to board.

    • Signup bonus.

      Grab $100 in statement credit when you make your first purchase. It may not be a generous signup bonus, but it’s easy to get.

    • Free employee cards.

      Get additional employee cards at no cost. For a card worth $450 per year, no-fee additional cards can certainly help you lower your company expenses.

    • Hertz Gold Plus Rewards program.

      Enroll in the program to get a 25% bonus on Hertz Gold Plus Rewards points, upgrades, exclusive offers and more. Handy if you often rent Hertz cars.

    • Complimentary concierge service.

      If you need help getting tickets for sports or entertainment events, dinner reservations or selecting the perfect gift, call Visa Signature® Concierge Service 24/7.

    • Trip and baggage reimbursement.

      Get reimbursed up to $10,000 per trip if you get sick or your trip is canceled, and up to $500 for travel delays of more than 12 hours. Score baggage delay reimbursement for delays over 6 hours up to $100 a day for 3 days. And get lost baggage reimbursement up to $3,000 per passenger for you and your immediate family members.

    Our guide to the United MileagePlus program

    What to watch out for

    • Annual fee.

      The United MileagePlus® Club Business Card costs $450 per year. If you frequently fly on United Airlines and you often visit United Clubs℠, your benefits will likely outweigh the annual fee.

    • High APR on purchases.

      Consider other cards if you usually pay after your due date, as this card has an APR of 18.24% to 25.24% variable on purchases.

    • Penalty APR.

      You’ll be charged a penalty APR of 29.99% if you don’t make the minimum payment due at least 20 days after the close of the billing cycle.

    Compare business credit cards

    Name Product Rewards Purchase APR Annual Fee
    5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
    14.49%, 19.49% or 21.49% variable
    $0
    Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be 14.49%, 19.49% or 21.49% variable.
    2x points on everyday business purchases on up to $50,000 annually, then 1x points
    15.49%, 18.49% or 21.49% variable
    $0
    Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions.
    3x on travel, shipping, Internet, cable, phone and online ads up to $150,000 combined annually; then 1x after and on all other purchases
    18.24% to 23.24% variable
    $95
    80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
    5% on office supplies, Internet, cable and phone up to $25,000 combined annually; 2% on gas and dining up to $25,000 combined annually; 1% on all other purchases
    15.49% to 21.49% variable
    $0
    $500 bonus cash back after you spend $3,000 in the first 3 months
    1.5% cash back on all purchases
    15.49% to 21.49% variable
    $0
    $500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
    N/A
    12.24% to 20.24% variable
    $0
    Enjoy a market-leading 0% intro APR on purchases and balance transfers for the first 20 billing cycles, reverting to a variable 12.24% to 20.24% APR.
    12x points at Hilton hotels, 6x points on select business and travel purchases and 3x points on all other purchases
    17.99% to 26.99% variable
    $95
    Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases within the first 3 months of card membership.
    Earn 2x miles on every purchase made directly with Delta and earn 1x miles on all other purchases
    17.99%, 21.99% or 26.99% variable
    $0 intro annual fee for the first year ($95 thereafter)
    Earn 30,000 bonus miles after you make $1,000 in purchases on your new card within your first 3 months. Plus earn $50 after you make your first Delta purchase in the same timeframe.
    4x points on two categories on up to $150,000 in combined purchases annually, then 1x points after that and on all other purchases
    16.49%, 20.49% or 24.49% variable
    $295
    Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership.
    5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
    None (Charge Card)
    $595
    Earn 50,000 points after spending $10,000 and an extra 25,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening.
    2x points on purchases through Amex Travel and 1x points on all other purchases
    None (Charge Card)
    $0 intro annual fee for the first year ($95 thereafter)
    Earn 5,000 Membership Rewards® points after your first purchase on the card within the first year of card membership.
    1.5% discount when you pay early, with no cap on what you can earn back
    None (Charge Card)
    $0 intro annual fee for the first year ($250 thereafter)
    Get a 1.5% discount when you pay early, with no cap on what you can earn back.
    6x points at Marriott Bonvoy hotels; 4x points at US restaurants, US gas stations, and on US wireless telephone and shipping services; 2x points on all other purchases
    17.99% to 26.99% variable
    $125
    Earn 100,000 bonus points after you use your new card to make $5,000 in purchases within the first 3 months of card membership.
    2x miles on direct Delta purchases and 1x miles on all other purchases
    17.99%, 21.99% or 26.99% variable
    $450
    Earn 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in your first 3 months.
    2x miles on direct Delta purchases and 1x miles on all other purchases
    17.99%, 21.99% or 26.99% variable
    $195
    Earn 5,000 Medallion Qualification Miles (MQMs) plus 35,000 bonus miles after spending $1,000 in the first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
    7x points on rideshares, 4x points on travel booked through Brex Travel, 3x points at restaurants, 2x points on software subscriptions and 1x points on all other purchases
    None (Charge Card)
    $0
    The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
    N/A
    None (Charge Card)
    $0
    60-day interest-free financing for e-commerce businesses.

    Compare up to 4 providers

    What size business is the United MileagePlus® Club Business Card good for?

    Small businesses whose employees travel with United Airlines may find the United MileagePlus® Club Business Card a good choice. It lets you save up to $1,440 per year on free checked bags if you travel once a month, or $2,880 if you travel with a companion. You can also save up to $550 a year with complimentary access to United Club℠ and Star Alliance™ lounges. This alone makes up for the high annual fee.

    What should I know before I apply?

    To apply for the United MileagePlus® Club Business Card, you’ll need to provide information about you and your business that includes:

    • Business name, address and type of business
    • Tax identification number or Employer Identification Number
    • Number of employees
    • Years in business
    • Personal information of the credit card owner

    What credit score do I need?

    You can apply with a good business credit score of 670 or higher.

    What’s my likelihood of being approved?

    Businesses with a high credit score have a better chance of being approved.

    What do customers say about the card?

    JPMorgan Chase Credit Card is not accredited with the Better Business Bureau and receives an A+ rating, with a composite score of 3.71 out of 5 stars based on 23 customer reviews. Despite its high rating, it’s had nearly 2,000 customer complaints as of May 2018. The majority of negative feedback revolves around poor customer service, rising interest and issues getting fraudulent charges resolved. One person even claims to have had their credit card account closed without any notice, even though she paid the account on time every month and it was in good standing.

    How to apply for the United MileagePlus® Club Business Card?

    1. 1. Go to the Chase website and select the United MileagePlus® Club Business Card, and click Apply Now.
    2. 2. Complete the application form with all the required information about your business and the employee who will receive the card.
    3. 3. Review your application and submit it.

    United MileagePlus® Club Business Card application form

    How long will it take to be approved?

    Chase has an immediate response if the information you provided is accurate and complete and all the requirements for the card are met. If not, you’ll get a decision within 7 to 10 business days.

    If additional verification is required, it can take up to 30 days to receive a response.

    How long will it take to get my card?

    Once approved, you’ll get your card within 10 business days by mail.

    I got the card. Now what?

    • Make timely payments. Otherwise, you’ll face late fees up to $39 and a penalty APR of 29.99%.
    • Register for Hyatt® Discoverist status. Enroll in Hyatt’s loyalty program to get 10% bonus points, upgrade to a preferred room when available, get complimentary Wi-Fi and have the option of a late check-out.
    • Join the Hertz Gold Plus Rewards® program. Enroll with the program to get upgrades, exclusive offers, a 25% bonus on Hertz Gold Plus Rewards Points and more if you often rent Hertz vehicles.
    • Contact customer service. Call Chase customer service at 1-800-537-7783 if you need a hand, or call MileagePlus customer support at 1-800-421-4655 for help redeeming your miles.

    Bottom line

    United MileagePlus® Club Business Card is the premium United mileage card for small businesses. You’ll earn miles for every dollar spent on purchases, and you can redeem your miles for flights, hotels, shopping and more.

    You can also save up to $240 every round trip with free first and second checked bags for you and your companion. And if you often visit United Club℠ and Star Alliance™ airport lounges, you can save up to $550 a year with free access to you and your travel companions.

    As always, consider your options before applying for a credit card to find the best one for your business.

    Frequently asked questions

    Disclaimer

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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