United Club Business Review 2026
EDITOR'S PICKUpdated Feb 16, 2026·CardStack Data Team
Quick Answer
The United Club Business earns X on all purchases with a $695 annual fee.
1.5/5
Overall
1.0/5
Value
CompareUnited Club Business vs Delta SkyMiles Blue·United Club Business vs Blue Business Cash·United Club Business vs Blue Business Plus·United Club Business vs Blue Cash Everyday·United Club Business vs Cash Magnet
Rewards Structure
| Category | Rate | Effective ¢/$ | MCCs |
|---|---|---|---|
| Everything Else | 1X pts/$ | 1.00¢ | All |
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Benefits
Effective Annual Fee
Annual fee–$695
Net annual cost–$695 effective cost
Financial disclaimer: CardStack is not a financial advisor. Credit card terms, APRs, and fees are set by CHASE and subject to change. Verify all information on the issuer's website before applying.
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Strengths and Weaknesses
Strengths
- No foreign transaction fees
Weaknesses
- $695 annual fee
- 1X base rate on non-bonus spending
Who This Card Is For
International Travelers
No foreign transaction fees
Frequently Asked Questions
Is the United Club Business worth $695/year?
For moderate spenders, generally yes. The United Club Business offers rewards and benefits that typically exceed the $695 annual fee for anyone who uses the bonus categories regularly.
What credit score is needed for the United Club Business?
Most successful applicants have a credit score of 670 or higher. Higher scores significantly improve approval odds.
Methodology
This review draws on data from 35+ independent sources including official product pages, the CFPB Credit Card Agreements Database, community approval datapoints, expert point valuation sources, and our proprietary MCC verification database. Rankings are data-driven with no affiliate influence on placement. Card terms were last verified on February 16, 2026. Full methodology: cardstack.co/methodology.