United Club Business Card: The Ideal Key to Unlock United Airport Lounges

of United Club℠ Business Card For business owners, it's one of the most cost-effective ways to gain regular access to United Club airport lounges.

Cardholders can receive full United lounge membership for an annual fee. $450This is cheaper than the cost of paying for lounge membership in cash, and can be purchased with a personal club membership credit card (aka United Club℠ Infinite Card).

of United Club℠ Business Card What's unusual is Business Travel Card It features a great rewards rate on all card spending, even if it's not travel-related, which is a big advantage for entrepreneurs with a wide range of expenses.

Admittedly, the card lacks some features common to higher-cost travel cards, such as travel credits and refunds upon application. TSA Pre-Check or Global EntryBut for United Airlines loyalists looking for a business credit card, this card is a strong competitor to the general travel cards that small business owners typically consider, and these cards don't allow you to join the United Club.

Sign-up bonus: Earn 50,000 bonus miles + 1,000 Premier Qualifying Points (PQP) after you spend $5,000 on purchases in the first 3 months after account opening.

Rewards: You'll earn 2 miles per dollar on United Airlines purchases and 1.5 miles per dollar on all other purchases.

interest rate: Current APR is 21.99% – 28.99%, variable rate..

Foreign Transaction Fee: none.

Pay the card's annual fee $450 That may not be your definition of cheap, but it is cheap in some ways when you consider the cost of a United Club membership. United Club membership costs $650 per year if you pay in cash, so the annual fee for this card is a significant discount off that price.

This membership also applies to access to United Airlines' Star Alliance lounges and affiliated lounges around the world.

If you are already a United Club member, United Club℠ Business Card You may receive a refund for any unused portion of your membership.

While this card offers other great perks, the main reason to choose this card over other cards is the unlimited access to United Clubs.

United Airlines flights not only waive one bag fee, they also waive two for you and each travel companion on the same booking. One checked bag is typically $35, and a second checked bag for the same passenger typically costs another $45. If both travelers check two bags, you could potentially save up to $320 round trip.

Earn 2 miles for every dollar spent on United purchases is a typical feature of airline cards, but it's nice to see 1.5 miles for every dollar spent on all other purchases. Small business owners have very different spending patterns than typical consumers, as well as bonus categories like restaurants, groceries, and gasoline, so it's nice to see a healthy 1.5x return on all non-United purchases, like high-speed internet for business, lunches with clients, and office supplies.

You will enjoy preferential treatment including priority check-in, security screening (where available), boarding and baggage handling.

You can decline the rental company's collision insurance and charge the rental fee to your card instead. The coverage applies primarily to those renting for business purposes and covers most cars in the U.S. and abroad against theft and collision damage up to the actual cash value of the vehicle. Credit card rental insurance Since it's secondary insurance, your car insurance will pay first and you'll likely pay your deductible. With the primary insurance on this card, the card issuer pays first.

It's hard to find an airline-branded credit card that doesn't charge an annual fee. Although some existWith United Club℠ Business CardThe annual fee is $450.

Options include $0 The annual fee is Bank of America® Business Advantage Travel Rewards World MasterCard® Credit CardYou'll earn 1.5 points per dollar on all purchases, points are worth 1 cent per point when you use the card toward travel purchases, and you can earn up to 2.62 points per dollar if you're enrolled in the issuer's Preferred Rewards for Business program, which you'll qualify for if you have enough money in the bank.

Two free checked bags are included, United Club℠ Business CardIt's less stingy than other major airline business credit cards, and only waives baggage fees for you and one guest. Delta SkyMiles® Gold Business American Express CardIn comparison, when you fly Delta, you and up to eight other passengers on your reservation get your first checked bag free. Terms and conditions apply.look Fees and charges).

Most travel and business credit cards (those without an airline name on them) allow you to redeem points for a variety of travel expenses. United Club℠ Business Cardyour best redemption options are award tickets and seat upgrades on United Airlines and Star Alliance partner airlines.

Some travel cards, especially those with higher annual fees, offer travel expense reimbursement credits that can be just as useful as cash for frequent travelers. American Express Business Platinum Card®For example, is offering a $200 airfare credit. Terms and conditions apply.

Additionally, many travel cards offer credits to reimburse the application fee for airport security programs. Global Entry or TSA PreCheckCardmembers are eligible to receive one $100 statement credit every four years toward their Global Entry application fee, or one $85 statement credit every 4.5 years toward their TSA Precheck application fee.

of United Club℠ Business Card There are no travel credits, just 25% cash back on in-flight purchases with United.

Disadvantages of paying annual fees $450 The thing is, you might not use your United Club membership very often, and with lounge day passes costing $59 each, you might decide that paying a la carte for United Club access is worth it.

In that case, a low-cost United℠ Business CardYou get two United Club passes per year. You get one free checked bag instead of two. The key difference is that the annual fee is Free for the first year, then $99.

If you don't necessarily need a business credit card, here are some alternatives: Personal United Cardespecially to receive free checked bags. These cards have a different rewards structure than United's business credit cards. Personal cards that grant full United Club membership are United Club℠ Infinite Card.

There are plenty of good credit cards out there for travel, including cards from Chase and United Airlines, but if you're an avid United Airlines traveler who wants full access to United Club airport lounges, you'll be hard-pressed to find a better card than this one. United Club℠ Business CardEvery time you check out, you'll earn a generous 1.5 points per dollar on purchases made with airlines other than United, and you'll be humming the catchy tune that's the airline's famous jingle: “Rhapsody in Blue.”

To see rates and fees Delta SkyMiles® Gold Business American Express Cardlook On this page. To see rates and fees American Express Business Platinum Card®look On this page.