United Club Business Card – Forbes Advisor

Earning Rewards

United has several co-branded credit cards to choose from, in addition to having a partnership through the Chase Ultimate Rewards® program, but the United Club Business Card sets itself apart by offering the highest rewards on everyday spending: you’ll earn 2 miles per dollar spent on United purchases and 1.5 miles per dollar spent on all other purchases

In the first year of card membership, you may also qualify for a one-time welcome bonus of 100,000 bonus miles after spending $ 10,000 on purchases in the first 3 months the account is open. The bonus is only available to cardholders who don’t already hold the card and who haven’t earned the bonus in the past 24 months.

Every month, all miles earned (including those on employee cards) are deposited into the primary cardholder’s United Airlines account. There are no additional steps to take to collect your rewards and they’ll co-mingle with all other United miles you’ve earned, such as those from flying.

Redeeming Rewards

Since the miles earned through this card are treated the same as all other United miles, you’ll have access to all of United’s award options when making redemptions. United Airlines no longer publishes an award chart, but you may find some US domestic award flights for as low as 5,500 miles one-way in economy. Unsurprisingly, international and premium cabin flights require significantly more miles.

Booking award flights using United miles is straightforward. Their website offers a robust reservations system, with prices prominently displayed throughout the search process. Partner airlines, primarily through Star Alliance, are also included in online search results though some complicated travel itineraries may require booking by phone.

Holding the United Club℠ Business card*—Or other United credit cards — provides access to additional award inventory exclusive to cardholders. Though these flights are most commonly short, economy flights, it can be a worthwhile tool when piecing together multi-segment trips. The extra inventory will be automatically included in search results as long as you’re logged in during the search and reservation process.

In addition to using miles for reward flights, members can also redeem miles for upgrades, vacation packages or even magazines and newspaper subscriptions. However, your best value will almost always be found in award tickets.

Rewards Potential

As always, the potential rewards on this card depends heavily on your annual business spending.

To determine the rewards potential of the United Club℠ Business card*, we calculated what a sole proprietor or small business might spend overall each year and in the bonus categories. Forbes Advisor uses data from various government agencies in order to determine both annual expenses and spending across various categories. Based on the data, we calculated the following rewards potential for a sample small business with income of $ 107,908 and $ 32,072 in expenditures for the year.

If this business spent $ 3,040 annually on United Airlines flights and incidentals, it would earn 6,080 miles from the card’s airline bonus category. All other spending of $ 29,032 earns 1.5 miles per dollar or 43,548 miles, bringing the annual earnings to a total of 49,628 miles, not including the potential first-year welcome bonus.

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