Rating: 4 Stars
Bottom Line:
United Club and Star Alliance Partner Lounge Access for Business Travelers
TABLE OF CONTENTS
Card Details
| Regular APR: | 18.24 – 25.24% (Variable) |
| Intro APR (Purchases): | None |
| Intro APR (Balance transfers): | None |
| Rewards Rate: | 2 miles per $1 spent on United purchases 1.5 miles per $1 spent on all other purchases |
| Credit Needed: | (740 – 850) Excellent |
| Annual Fee: | $450 |
| Card Brand: | Visa |
*See online credit card application for details on the terms and conditions.
Offer Highlights
- Click APPLY NOW to apply online
- 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open
- 2 miles per $1 spent on United purchases
- 1.5 miles per $1 spent on all other purchases
- Employee Cards at no additional cost. Miles earned from their purchases accrue in your account so you can earn rewards faster
- United Club membership: Enjoy access to United Club locations and participating Star Alliance affiliated lounges worldwide – up to a $650 value per year
- Free first and second checked bags: Save up to $280 per roundtrip
- Premier Access travel services: Receive priority check-in, security screening (where available), boarding and baggage handling
- The primary Cardmember is invited to enroll in the Hertz Gold Plus Rewards program?s exclusive President’s Circle tier and enjoy a 50% bonus on Hertz Gold Plus Rewards Points, upgrades, exclusive offers and more
- The primary Cardmember who is also a MileagePlus Premier member and traveling on an award ticket can take advantage of Complimentary Premier Upgrades on United flights (when available)
Is United MileagePlus Club Business Card worth it?
United MileagePlus Club Business is a solid card for business travelers who would like United Club or Star Alliance affiliated lounge access. Cardholders get access to United Club locations and participating Star Alliance affiliated lounges worldwide. If you were to purchase United Club membership, it would cost $650 and one-time passes are $59.
Cardholders earn 2 miles per $1 spent on United purchases. The signup bonus of 50,000 bonus miles after you spend $3,000 is worth at least $300. Note the $450 annual fee does not count toward the signup bonus. This is the case for almost all credit cards. The value of United Miles now depend on the exact flight you book. However, the former award chart, on which points had a fixed value, gives a good indicator of what to expect.
Let’s say you are flying between New York/Newark and San Francisco. Because this is a premium route, 10,000 extra miles are required. On an Everyday Fare, you would pay 60,000 miles and on a Savor Fare you would pay 35,000 miles. The cost of this flight is about $550 roundtrip, so the value of a point would be between about one cent and one and a half cents.
United’s MileagePlus rewards program is relatively simple. United offers Saver and Everyday Awards. Saver Awards cost fewer miles, but they have limited availability and are less likely to be available closer to flight time. On the other hand, MileagePlus Premier members and eligible United MileagePlus Chase cardmembers, including cardholders of United MileagePlus Club Business, get to book an Everyday Award even if it’s the last seat on the plane. The program has reasonable terms: all award tickets can be cancelled and the points will be deposited back into your account, and you can even issue a MileagePlus ticket in someone else?s name.
If you’re looking for United Club or Star Alliance affiliated lounge access, United MileagePlus Club Business is a great card for you.
Pros
- 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open
- 2 miles per $1 spent on United purchases
- Access to United Club locations and participating Star Alliance affiliated lounges worldwide
- No foreign transaction fee
- Redeem points on Star Alliance Partner airlines
Cons
- $450 annual fee
- You have to be flying United or a Star Alliance carrier to be able to use United Club
- No Global Entry/TSA Precheck application credits
Why 4 Stars?
Regular APR
4 Stars. ????
Intro APR
4 Stars
Fees
4 Stars
Perks
5 Stars
Overall
4 Stars
Fees
| Foreign Transaction Fee | None |
| Balance Transfer Fee | Either $5 or 5% of the amount of each transfer, whichever is greater |
| Cash Advance Fee | Either $15 or 5% of the amount of each transaction, whichever is greater |
| Penalty APR | Up to 29.99% |
Benefits
| $0 Fraud Liability |
| Auto Rental Collision Damage Waiver |
| Baggage Delay Reimbursement |
| Concierge Service |
| Emergency Card Replacement |
| Emergency Cash Disbursement |
| Extended Warranty Protection |
| Lost Luggage Reimbursement |
| Travel Accident Insurance |
| Price Protection |
| Purchase Protection |
| Return Protection |
| Roadside Dispatch |
| Travel and Emergency Assistance |
| Trip Cancellation/Trip Interruption Reimbursement |
| Trip Delay Reimbursement |
Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.
Credit Cards Research:
Best Credit Cards for 2021
These are the best credit cards for 2021.
Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.
Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.