Chase United Club Business Card: Limited-Time 110,000 Miles + 2,000 PQP

The welcome bonus has increased to 100,000 + 10,000 + 2,000 PQP. The extra 10,000 requires adding an employee card and making one purchase.

• Application link

This card recently had some changes, detailed below. Spending rewards:

• Earn 1 PQP for every $15 spent: up to 28,000 per year (previous cap was 15,000)
• Spend $40,000 per year and get two global Economy Plus seat upgrades: these can be used for upgrades
• 4 United Club passes per year and United Club All Access membership: spend $50,000 per year or earn UA Premier Gold status, and you also need to add an employee card. This All Access benefit lets another person enter a UA Lounge for free.
• 10% discount on UA mileage redemptions

New credits

• Instacart+ Membership: two $10 credits per month, $240 total per year
• $200 Renowned Hotels and Resorts hotel credit: this is similar to AMEX FHR. Most participating properties are on the higher-end side. If you book through this program, you can enjoy benefits such as free breakfast for two, hotel credits, etc. Exact benefits depend on each hotel. Official introduction
•  $150 rideshare credit: $12 per month from January through November, and $18 in December.
•  Avis or Budget rental car cashback: up to $100 per year back in United travel credits. You need to book through windowcars.united.com. For the first and second bookings each year, if you pay with this card, you can get $50 back each time.
• $200 JSX flight credit: pay with this card and get $200 reimbursed per year

United Club Business Credit Card Introduction

Highlights

• UA and Star Alliance lounges: cardholders receive United Club Membership ( official price $650), with unlimited access to UA lounges and select Star Alliance member lounges
• Two free checked bags: on UA-operated flights, you can check two bags for free, and one companion can also get two free checked bags (must be on the same reservation). You must use this credit card to buy the ticket or pay the taxes and fees on an award ticket to receive the benefit. See the “UA free checked baggage explanation” for details
• 1.5x on all purchases: this is the only credit card that can earn miles at an unconditional 1.5x rate. If you spend a lot and need UA miles, 1.5x is still 50% more than 1x.
• Award ticket advantages:
  • You can see XN award inventory, greatly increasing the chances of finding award tickets
  • The $75 close-in booking fee for award tickets within 21 days is waived
• Premier Access when flying: priority check-in, priority security, priority baggage handling, and more. See the "official explanation" for details
• Metal card: heavy and premium-feeling
• Includes all benefits of the UA Explorer, except the two club passes: rental car insurance, 25% mileage bonus on MPX, extra rewards through the shopping portal, bonuses for registering for various promotions, and more. Details can be found in "UA Explorer Card" + “Hidden Benefits of UA Cards”

Drawbacks

• The annual fee is as high as $450, and there is no way to offset it through other methods. The similarly priced AMEX Platinum can recoup the annual fee through airline credits and AMEX offers, and it also has similar airport lounge benefits.

Using United Miles

United’s biggest strength is its extensive international route network, which makes its miles easier to use. United is one of the founding members of Star Alliance, the largest airline alliance, with 25 airline members. United also has many non-alliance partners, making MileagePlus one of the most versatile currencies for redeeming award tickets. To emphasize: United miles can be used not only for award tickets operated by United itself, but also for award tickets operated by Star Alliance partners and other partners, so they are very versatile. You can redeem for domestic U.S. tickets, tickets from the U.S. to China, Europe, and the Americas, and even tickets from China to Japan and Europe.

• Introduction to United Airlines (UA) membership and miles

My Take

This card is not much different from the personal version of United Club; it is simply the business version.

The main benefit of this card is unlimited access to airport United Clubs and select participating Star Alliance affiliated lounges worldwide while you hold the card. In addition, tickets and award tickets purchased with this card enjoy two free checked bags. It is an excellent card for people who frequently fly United for business travel. Of course, the fact that all purchases earn at least 1.5 miles per dollar also makes it a favorite among some high spenders. And if you are not a business traveler, applying for this card just to try it for the flex for a year is also an option.

Application

• Application difficulty is average: if you have built a good relationship with Chase, have about one year of credit history, and have some income, you should be able to apply
• If this is your first time applying for a business credit card, please carefully read “Introduction to Business Credit Cards” first
• Because this is an airline co-branded card, it is recommended that you register for a UA frequent flyer account in advance and enter the number when applying. Otherwise, a new one will be generated, which can be inconvenient

• Chase application status check link (login required). Or call: 888-338-2586
• The 5/24 rule: if you have opened more than 5 new cards in the past 2 years (including cards from other banks), you will not be approved for a new Chase card
• You can be approved for at most two Chase credit cards within any 30-day period
• If you have received the welcome bonus on this card within the past 24 months (48 months for the Sapphire family), your application will be automatically denied
• You can call the reconsideration line (800-453-9719) to expedite credit card approval or request another review of a denied application.
• Having a Chase Checking account can help with getting approved for a credit card
• More information on applying for Chase credit cards

Application Link