United Club Business

Cardmembers and their families are covered for accidental death or dismemberment when travel is purchased with the card.

If a covered trip is cancelled or interrupted for a covered reason, cardmembers may be reimbursed for non-refundable prepaid travel expenses up to a specified limit.

If checked or carry-on luggage is lost or damaged by a common carrier, the cardmember and immediate family members may be reimbursed up to a specified limit.

Primary cardmember and eligible travel companions receive unlimited access to United Club airport lounges. Guests traveling on the same itinerary are included.

If a covered trip is delayed more than a specified number of hours, cardmembers can be reimbursed for reasonable expenses such as meals and lodging.

The primary cardmember and one companion on the same reservation each receive their first and second checked bags free on United-operated flights.

Cardmembers may be reimbursed for essential purchases if checked baggage is delayed beyond a set number of hours on a covered trip.

Cardmembers receive 25% back as a statement credit on United inflight purchases of food, beverages, and Wi-Fi when paying with the card.

When the full rental cost is charged to the card and the primary rental agency insurance is declined, the card provides primary coverage for theft and collision damage on eligible rentals.

Cardmembers can earn PQP (Premier Qualifying Points) toward United elite status based on card spending, helping them reach or maintain elite tiers.

Cardmembers receive Premier Access travel services including priority check-in, security (where available), boarding, and baggage handling on United-operated flights.

Eligible new purchases made with the card are covered against damage or theft for a limited time from the purchase date, up to a per-claim maximum.

The card extends the original U.S. manufacturer's warranty by an additional year on eligible purchases with warranties of three years or less.

$695 Annual Fee