Question 1

Is the United Club Business Card worth the annual fee?

Accepted Answer

The United Club Business Card is worth its $695 annual fee if you use most of its 31+ benefits. Calculate your ROI by adding the value of credits you redeem, lounge visits, and points earned, then compare to the annual fee. If total value exceeds the fee, keep the card. Tools like kardfolio can automate this calculation.

Question 2

When do United Club Business Card benefits expire?

Accepted Answer

United Club Business Card benefits expire on different schedules: monthly credits reset on the 1st, quarterly credits every 3 months, and annual credits on your cardmember anniversary or calendar year end. Check each benefit's terms for specific dates. Benefit tracking apps can send alerts before expiration.

Question 3

How do I track United Club Business Card benefits?

Accepted Answer

Track United Club Business Card benefits by: 1) listing all 31+ benefits and their values, 2) recording when you use each benefit, 3) setting calendar reminders before credits expire, 4) calculating total value vs annual fee. Apps like kardfolio automate this with expiration alerts and ROI tracking.

Question 4

What are the United Club Business Card earning rates?

Accepted Answer

The United Club Business Card earns: 5x on On hotel stays when prepaid directly through Renowned Hotels and Resorts, 2x on On United purchases (7x total with MileagePlus membership) - flights, seat upgrades, baggage, inflight, 1.5x on All other purchases. Base rate is typically 1x on all other purchases. Points can be redeemed through the issuer's portal or transferred to airline/hotel partners for potentially higher value.

Question 5

What lounge access does the United Club Business Card include?

Accepted Answer

The United Club Business Card includes airport lounge access. Check your cardmember agreement for specific lounge networks, guest policies, and any visit limits. Premium cards typically include Priority Pass and may have issuer-specific lounges.

Question 6

Does the United Club Business Card have foreign transaction fees?

Accepted Answer

No, the United Club Business Card has no foreign transaction fees. This makes it suitable for international travel and purchases in foreign currencies without the typical 3% fee charged by many cards.

United Club Business Card

United Club Business Card

Earning Rates

Card Benefits

Groceries

Travel

Flights

Hotels

Car Rentals

Account Services

Credits

Lounge Access

Insurance

Status

Rideshare

Card Details