United ClubSM Enterprise Card Evaluation for 2023

United Membership^SM Enterprise Card is designed for enterprise house owners who fly primarily with United Airways, often have their baggage checked, and need entry to airport lounges. This small enterprise bank card provides journey rewards that may be redeemed free of charge flights with United and its companion airways. The $450 annual charge features a United Membership membership, valued at $650 per yr.

Should you want to examine one card over one other, choose a most of three playing cards on this web page and click on Add to check to view the main points in a side-by-side comparability.

United Membership℠ Enterprise Card

?Match Small Enterprise’s rankings are calculated by trade specialists of our editorial staff. Our grading rubric considers the kind of bank card (reminiscent of money again or journey), and the cardboard’s charges, charges, rewards, and extra options like insurance coverage.

United Airways fanatics who use airport lounge entry often

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Common APR

20.24% to 27.24% Variable

Credit score Wanted

Good – Wonderful

• 75,000 bonus miles after spending $5,000 on purchases throughout the first three months after account opening
• United ClubSM membership
• Two Premier Entry® journey providers
• First and second checked bag free
• Earn double miles on tickets bought from United
• Earn 1.5 miles per $1 spent on all different purchases
• No international transaction charges

Professionals

• Affords free first and second checked baggage
• With sign-up bonus
• With lounge membership

Cons

• Prices excessive annual charge
• Has no 0% introductory APR
• Rewards have restricted flexibility

• United Membership membership: You and different eligible journey companions will obtain free entry to all United Membership areas and taking part Star Alliance™ affiliated lounges worldwide.
• Avis President’s Membership®: Main cardholders are invited to enroll in Avis President’s Membership® and luxuriate in complimentary two-car class upgrades, assured automotive availability, expedited rental providers, and extra.
• Free two checked baggage: The first cardholder and their companion touring with the identical reservation will every obtain free checked baggage (as much as $35 worth for the primary checked bag and as much as $45 worth for the second checked bag, every method, per particular person).
• Misplaced baggage reimbursement: You and your speedy member of the family are lined as much as $3,000 if you happen to test or carry baggage broken or misplaced by the provider.
• Baggage delay insurance coverage: If there’s a baggage delay of greater than six hours, you will be reimbursed for important purchases, reminiscent of toiletries and clothes, as much as $100 a day for 3 days.

Common APR

20.24% to 27.24% Variable

Credit score Wanted

Good – Wonderful

• 75,000 bonus miles after spending $5,000 on purchases throughout the first three months after account opening
• United ClubSM membership
• Two Premier Entry® journey providers
• First and second checked bag free
• Earn double miles on tickets bought from United
• Earn 1.5 miles per $1 spent on all different purchases
• No international transaction charges

Professionals

• Affords free first and second checked baggage
• With sign-up bonus
• With lounge membership

Cons

• Prices excessive annual charge
• Has no 0% introductory APR
• Rewards have restricted flexibility

• United Membership membership: You and different eligible journey companions will obtain free entry to all United Membership areas and taking part Star Alliance™ affiliated lounges worldwide.
• Avis President’s Membership®: Main cardholders are invited to enroll in Avis President’s Membership® and luxuriate in complimentary two-car class upgrades, assured automotive availability, expedited rental providers, and extra.
• Free two checked baggage: The first cardholder and their companion touring with the identical reservation will every obtain free checked baggage (as much as $35 worth for the primary checked bag and as much as $45 worth for the second checked bag, every method, per particular person).
• Misplaced baggage reimbursement: You and your speedy member of the family are lined as much as $3,000 if you happen to test or carry baggage broken or misplaced by the provider.
• Baggage delay insurance coverage: If there’s a baggage delay of greater than six hours, you will be reimbursed for important purchases, reminiscent of toiletries and clothes, as much as $100 a day for 3 days.

How We Consider Journey Rewards Enterprise Credit score Playing cards

Who the United Membership^SM Enterprise Card Is Finest For

• Those that fly with United Airways ceaselessly: The cardboard includes a United Membership membership and journey rewards that may be redeemed free of charge flights with United Airways and its associates.
• Those that test baggage often: It’s supreme for house owners who test baggage on United flights as a result of it permits them and one touring companion to test two baggage every free of charge every method.
• Those that need airport lounge entry: It can provide you free entry to all United Membership areas and taking part Star Alliance^TM affiliated lounges worldwide.

See our really helpful alternate options under if this card doesn’t match what you are promoting wants.

United Membership^SM Enterprise Card Charges

APRs

• Introductory: None
• Ongoing, stability switch, and My Chase Mortgage^SM: 20.24% to 27.24% variable, which is able to modify primarily based on the prime charge
• Money advance: 29.24% variable, which is able to modify primarily based on the prime charge
• Penalty: As much as 29.99% variable, which is able to modify primarily based on the prime charge; shall be utilized indefinitely to your account if you happen to
  1. Fail to make a minimal fee by the date and time it’s due
  2. Made an unpaid returned fee

Charges

• Annual: $450
• My Chase Plan^SM Payment (fastened finance cost): Month-to-month charge of 1.72% of both the quantity of every eligible buy or the quantity chosen to create a My Chase Plan
• Stability switch: $5 or 5% of the quantity of every switch, whichever is larger
• Money advance: $15 or 5% of the quantity of every transaction, whichever is larger
• Overseas transaction: None
• Late and return fee: $40
• Return test: None

Your due date is no less than 20 days after the shut of every billing cycle.

United Membership^SM Enterprise Card Rewards

• 75,000 bonus miles after spending $5,000 on purchases throughout the first three months after account opening
• 2x miles on United purchases, together with tickets, Financial system Plus®, inflight meals, drinks, Wi-Fi, and different United costs
• 1.5x miles on all different purchases

Earn 500 Premier qualifying factors (PQP) after spending $12,000 on purchases, as much as 1,000 PQPs per calendar yr—which can be utilized on your Premier standing qualification. Getting Premier Entry® journey providers would imply getting preferential remedy to ease your method by the airport, i.e., precedence check-in, safety screening, boarding, and baggage dealing with privileges (when obtainable).

It’s also possible to get worker playing cards at no extra value. Miles earned from these playing cards accrue in your account, permitting you to earn rewards sooner.

How To Make Funds on the United Membership^SM Enterprise Card

• On-line or Chase Cell® App: Go to chase.com/paycard to pay on-line. It’s also possible to enroll in computerized funds by the web site or iOS and Android cellular app. Whenever you enroll, specify the deposit account from which your fee shall be deducted and the way a lot you’d wish to pay, reminiscent of your assertion stability, minimal fee due, or any fastened quantity.
• Telephone: Name the automated cellphone service at (800) 436-7958.
• Mail or cash order: Embrace your identify and full account quantity in your test or cash order; don’t ship money. Mail your fee to the next tackle:

Cardmember Companies

PO Field 6294

Carol Stream, IL 60197-6294

• Western Union: Use the Code Metropolis WALNUT while you pay through Western Union. Be aware that it could take as much as seven days for the fee to be mirrored in your account.
• Nearest Chase ATM or department: Discover the nearest Chase ATM or department to pay your invoice.

United Membership^SM Enterprise Card Options

Journey rewards and advantages

• United Membership^SM membership: You and different eligible journey companions will obtain free entry to all United Membership areas and taking part Star Alliance^TM affiliated lounges worldwide. Go to www.united.com on your up to date standing on United Membership areas and any short-term closures.
• Free two checked baggage: The first cardholder and their companion touring in the identical reservation will every obtain free checked baggage (as much as $35 worth for the primary checked bag and as much as $45 worth for the second checked bag, every method, per particular person). Go to United’s web site for extra info.
• Low cost on United inflight and Membership premium drink purchases: Get 25% again as a press release credit score on purchases of meals, drinks, and Wi-Fi on United-operated flights and Membership premium drinks when paying with this card.
• Avis President’s Membership®: Main cardholders are invited to enroll in Avis President’s Membership® and luxuriate in complimentary two-car class upgrades, assured automotive availability, expedited rental providers, and extra. Go to the supplier’s web site for extra info.

Journey & buy protection

• Journey cancellation/interruption insurance coverage: In case your journey is canceled or minimize quick by illness, extreme climate, or different lined conditions, you will be reimbursed. That is as much as $10,000 per particular person and $20,000 per journey for pay as you go, nonrefundable journey bills made with this card, together with passenger fares, excursions, and resorts.
• Baggage delay insurance coverage: If there’s a baggage delay of greater than six hours, you will be reimbursed for important purchases, reminiscent of toiletries and clothes, as much as $100 a day for 3 days.
• Misplaced baggage reimbursement: You and your speedy member of the family are lined as much as $3,000 if you happen to test or carry baggage broken or misplaced by the provider.
• Journey delay reimbursement: In case your flight is delayed for greater than 12 hours and chances are you’ll require an in a single day keep, you and your loved ones members are lined for unreimbursed bills made with this card, which is price as much as $500 per ticket.
• Auto rental collision harm waiver: You may decline the rental firm’s collision insurance coverage and cost the complete rental value to this card. Protection is taken into account main when renting for enterprise functions. It offers reimbursement as much as the automobile’s precise money worth for theft and collision harm for many vehicles in the USA and overseas.
• Buy safety: Your card covers your new purchases for 120 days in opposition to harm or theft—as much as $10,000 per declare and $50,000 per account.
• Worth safety: If a purchase order made within the US is marketed for much less in both print or digital type inside 90 days of buy, you possibly can reimburse the distinction—as much as $500 per merchandise and $2,500 per yr.
• Return safety: You may reimburse eligible gadgets the shop gained’t take again inside 90 days of buy—as much as $500 per merchandise, $1,000 per yr.
• Prolonged guarantee safety: Extends the US producer’s guarantee interval by a further yr on eligible warranties of three years or much less.

United Membership^SM Enterprise Card Alternate options

Capital One® Spark® Miles for Enterprise

Capital One® Spark® Miles for Enterprise

?Match Small Enterprise’s rankings are calculated by trade specialists of our editorial staff. Our grading rubric considers the kind of bank card (reminiscent of money again or journey), and the cardboard’s charges, charges, rewards, and extra options like insurance coverage.

Limitless 2x miles with each swipe

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on Capital One® Spark® Miles for Enterprise’s safe web site.

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Common APR

25.24% (Variable)

Annual Payment

$0 intro for first yr; $95 after that

Credit score Wanted

Wonderful, Good

• Introductory reward price $500 in journey after you spend $4,500 throughout the first three months
• 2x miles per $1 spent
• Challenge worker playing cards free of charge

Professionals

• No international transaction charges
• TSA PreCheck® or World Entry software charge credit score

Cons

• You’ll pay an annual charge after the primary yr
• Doesn’t provide interest-free financing

• Airport safety screening reimbursement: Both a $100 assertion credit score for World Entry or an $85 assertion credit score for TSA PreCheck® as soon as each 4 years.
• Buy assurance:  Most purchases made fully along with your card are lined if broken or stolen inside 90 days from the date of buy. Protection is proscribed to $10,000 per declare and $50,000 per cardholder account per 12-month interval.
• Prolonged guarantee protection: Doubles the unique guarantee time interval and duplicates the protection of the unique producer’s guarantee as much as a most of 12 months on most gadgets you buy. 
• Journey medical emergency help: Present referrals to medical providers in case you have a medical emergency whereas touring. You’re lined if you happen to’re 100 or extra miles away from dwelling and from the day you allow till midnight of the sixtieth day of your journey, or the day you come back to your metropolis of residence, whichever is sooner.

Common APR

25.24% (Variable)

Annual Payment

$0 intro for first yr; $95 after that

Credit score Wanted

Wonderful, Good

• Introductory reward price $500 in journey after you spend $4,500 throughout the first three months
• 2x miles per $1 spent
• Challenge worker playing cards free of charge

Professionals

• No international transaction charges
• TSA PreCheck® or World Entry software charge credit score

Cons

• You’ll pay an annual charge after the primary yr
• Doesn’t provide interest-free financing

• Airport safety screening reimbursement: Both a $100 assertion credit score for World Entry or an $85 assertion credit score for TSA PreCheck® as soon as each 4 years.
• Buy assurance:  Most purchases made fully along with your card are lined if broken or stolen inside 90 days from the date of buy. Protection is proscribed to $10,000 per declare and $50,000 per cardholder account per 12-month interval.
• Prolonged guarantee protection: Doubles the unique guarantee time interval and duplicates the protection of the unique producer’s guarantee as much as a most of 12 months on most gadgets you buy. 
• Journey medical emergency help: Present referrals to medical providers in case you have a medical emergency whereas touring. You’re lined if you happen to’re 100 or extra miles away from dwelling and from the day you allow till midnight of the sixtieth day of your journey, or the day you come back to your metropolis of residence, whichever is sooner.

United^SM Enterprise Card

?Match Small Enterprise’s rankings are calculated by trade specialists of our editorial staff. Our grading rubric considers the kind of bank card (reminiscent of money again or journey), and the cardboard’s charges, charges, rewards, and extra options like insurance coverage.

Frequent United Airways flyers who need to earn journey rewards

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On Chase’s Safe Web site

Add to Evaluate

Common APR

20.74% – 27.74% Variable

• Earn 75,000 bonus miles after you spend $5,000 on purchases within the first 3 months your account is open.
• $0 introductory annual charge for the primary yr, then $99.
• Obtain a 5,000-mile “higher collectively” bonus every anniversary when you’ve each the UnitedSM Enterprise Card and a private Chase United® bank card.
• Earn 2 miles per $1 spent on United® purchases, eating together with eligible supply providers, at gasoline stations, workplace provide shops, and on native transit and commuting.
• Earn 1 mile per $1 spent on all different purchases. Plus, worker playing cards at no extra value – miles earned from their purchases accrue in your account so you possibly can earn rewards sooner.
• Take pleasure in a free first checked bag – a financial savings of as much as $140 per roundtrip (phrases apply), 2 United ClubSM one-time passes per yr, and precedence boarding privileges.
• Get one-year complimentary DashPass, a membership for each DoorDash and Caviar that gives limitless deliveries with $0 supply charges and decrease service charges on eligible orders. After that, you might be robotically enrolled in DashPass on the present month-to-month charge. Activate by 12/31/24.
• $100 United® journey credit score after 7 United flight purchases of $100 or extra every anniversary yr.

Professionals

• Annual charge waived for the primary yr
• No international transaction charges
• Earn Premier Qualifying Factors

Cons

• No 0% introductory APR
• Low ongoing journey rewards

• 25% again on United inflight purchases: Obtain 25% again as a press release credit score on purchases of meals, drinks, and Wi-Fi onboard United- and United Categorical-operated flights.
• $100 United annual journey credit score: Obtain a $100 assertion credit score per yr while you make a complete of seven United flight travel-related purchases, together with seat upgrades, Financial system Plus®, inflight meals, drinks, Wi-Fi, baggage service costs, or different United charges.
• Precedence boarding: You and your companions touring on the identical reservation are eligible for precedence boarding previous to common boarding.
• Earn Premier Qualifying Factors (PQPs): You’ll earn 500 PQPs for each $12,000 in web purchases as much as a most of 1,000 PQPs in a calendar yr.

Common APR

20.74% – 27.74% Variable

• Earn 75,000 bonus miles after you spend $5,000 on purchases within the first 3 months your account is open.
• $0 introductory annual charge for the primary yr, then $99.
• Obtain a 5,000-mile “higher collectively” bonus every anniversary when you’ve each the UnitedSM Enterprise Card and a private Chase United® bank card.
• Earn 2 miles per $1 spent on United® purchases, eating together with eligible supply providers, at gasoline stations, workplace provide shops, and on native transit and commuting.
• Earn 1 mile per $1 spent on all different purchases. Plus, worker playing cards at no extra value – miles earned from their purchases accrue in your account so you possibly can earn rewards sooner.
• Take pleasure in a free first checked bag – a financial savings of as much as $140 per roundtrip (phrases apply), 2 United ClubSM one-time passes per yr, and precedence boarding privileges.
• Get one-year complimentary DashPass, a membership for each DoorDash and Caviar that gives limitless deliveries with $0 supply charges and decrease service charges on eligible orders. After that, you might be robotically enrolled in DashPass on the present month-to-month charge. Activate by 12/31/24.
• $100 United® journey credit score after 7 United flight purchases of $100 or extra every anniversary yr.

Professionals

• Annual charge waived for the primary yr
• No international transaction charges
• Earn Premier Qualifying Factors

Cons

• No 0% introductory APR
• Low ongoing journey rewards

• 25% again on United inflight purchases: Obtain 25% again as a press release credit score on purchases of meals, drinks, and Wi-Fi onboard United- and United Categorical-operated flights.
• $100 United annual journey credit score: Obtain a $100 assertion credit score per yr while you make a complete of seven United flight travel-related purchases, together with seat upgrades, Financial system Plus®, inflight meals, drinks, Wi-Fi, baggage service costs, or different United charges.
• Precedence boarding: You and your companions touring on the identical reservation are eligible for precedence boarding previous to common boarding.
• Earn Premier Qualifying Factors (PQPs): You’ll earn 500 PQPs for each $12,000 in web purchases as much as a most of 1,000 PQPs in a calendar yr.

• United^SM Enterprise Card is right for many who need a decrease annual charge and higher rewards beneath the United card model
• Prices an annual charge of $99, waived for the primary yr
• Affords 2x miles per greenback spent on purchases from United® (tickets, Financial system Plus®, inflight meals, drinks, Wi-Fi, and others), eating, together with eligible supply providers, gasoline stations, workplace provide shops, and native transit and commuting
• Doesn’t cost international transaction charges
• Is one among our really helpful enterprise bank cards with no international transaction charges and enterprise bank cards for miles

American Categorical Enterprise Platinum Card®

The Enterprise Platinum Card® from American Categorical

?Match Small Enterprise’s rankings are calculated by trade specialists of our editorial staff. Our grading rubric considers the kind of bank card (reminiscent of money again or journey), and the cardboard’s charges, charges, rewards, and extra options like insurance coverage.

Getting access to unmatched journey rewards and luxurious journey perks like airport lounge entry

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on The Enterprise Platinum Card® from American Categorical’s safe web site.

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Common APR

18.49% – 26.49% Variable

Credit score Wanted

Good, Wonderful

• Welcome Provide: Earn 120,000 Membership Rewards® factors after you spend $15,000 on eligible purchases along with your Card throughout the first 3 months of Card Membership.
• Get 5X Membership Rewards® factors on flights and pay as you go resorts on amextravel.com, and 1X factors for every greenback you spend on eligible purchases.
• Earn 1.5X factors (that’s an additional half level per greenback) on eligible purchases at US building materials & {hardware} suppliers, digital items retailers and software program & cloud system suppliers, and transport suppliers, in addition to on purchases of $5,000 or extra all over the place else, on as much as $2 million of those purchases per calendar yr.
• Unlock over $1,000 in worth per yr for assertion credit on choose purchases, together with tech, recruiting and wi-fi with the Enterprise Platinum Card.
• $200 Airline Payment Credit score: Choose one qualifying airline after which obtain as much as $200 in assertion credit per calendar yr when incidental charges are charged by the airline to your Card or any of the Further Playing cards in your Platinum Card account.
• $189 CLEAR® Credit score: CLEAR® makes use of biometrics to assign you a touchless ID, permitting you to maneuver sooner by safety at choose airports and stadiums throughout the U.S. You may cowl the price of a CLEAR membership with as much as $189 in assertion credit per calendar yr after you pay for CLEAR along with your Enterprise Platinum Card®.
• The American Categorical World Lounge Assortment® can present an escape on the airport. With greater than 1,400 airport lounges throughout 140 international locations and counting, you’ve extra lounge location choices than another bank card available on the market as of 9/2021.
• $695 Annual Payment.
• Phrases Apply.

Professionals

• Premium journey rewards
• Free entry to greater than 1,300 airport lounges worldwide
• No international transaction charges

Cons

• Stability is due in full month-to-month
• Excessive annual charge

• American Categorical lounges: Free entry to American Categorical’ community of Centurion lounges situated in barely lower than a dozen United States airports.
• Different airport lounges: Precedence Cross Choose membership, which will get you free entry to greater than 1,300 lounges worldwide for you and two friends.
• Airport screening: Both a $100 assertion credit score for World Entry each 4 years or an $85 assertion credit score for TSA PreCheck® as soon as each 4 1/2 years.
• Journey credit score: As much as $200 annual assertion credit score towards air journey bills like baggage charges and inflight food and drinks.
• Rental standing: Elite standing at a lot of automotive rental companies.
• Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
• Rebate for redeemed factors: 35% factors rebate if you happen to ebook a enterprise or first-class flight, as much as 500,000 bonus factors per calendar yr.
• Dell assertion credit score: As much as $400 in assertion credit yearly for Dell purchases.

Common APR

18.49% – 26.49% Variable

Credit score Wanted

Good, Wonderful

• Welcome Provide: Earn 120,000 Membership Rewards® factors after you spend $15,000 on eligible purchases along with your Card throughout the first 3 months of Card Membership.
• Get 5X Membership Rewards® factors on flights and pay as you go resorts on amextravel.com, and 1X factors for every greenback you spend on eligible purchases.
• Earn 1.5X factors (that’s an additional half level per greenback) on eligible purchases at US building materials & {hardware} suppliers, digital items retailers and software program & cloud system suppliers, and transport suppliers, in addition to on purchases of $5,000 or extra all over the place else, on as much as $2 million of those purchases per calendar yr.
• Unlock over $1,000 in worth per yr for assertion credit on choose purchases, together with tech, recruiting and wi-fi with the Enterprise Platinum Card.
• $200 Airline Payment Credit score: Choose one qualifying airline after which obtain as much as $200 in assertion credit per calendar yr when incidental charges are charged by the airline to your Card or any of the Further Playing cards in your Platinum Card account.
• $189 CLEAR® Credit score: CLEAR® makes use of biometrics to assign you a touchless ID, permitting you to maneuver sooner by safety at choose airports and stadiums throughout the U.S. You may cowl the price of a CLEAR membership with as much as $189 in assertion credit per calendar yr after you pay for CLEAR along with your Enterprise Platinum Card®.
• The American Categorical World Lounge Assortment® can present an escape on the airport. With greater than 1,400 airport lounges throughout 140 international locations and counting, you’ve extra lounge location choices than another bank card available on the market as of 9/2021.
• $695 Annual Payment.
• Phrases Apply.

Professionals

• Premium journey rewards
• Free entry to greater than 1,300 airport lounges worldwide
• No international transaction charges

Cons

• Stability is due in full month-to-month
• Excessive annual charge

• American Categorical lounges: Free entry to American Categorical’ community of Centurion lounges situated in barely lower than a dozen United States airports.
• Different airport lounges: Precedence Cross Choose membership, which will get you free entry to greater than 1,300 lounges worldwide for you and two friends.
• Airport screening: Both a $100 assertion credit score for World Entry each 4 years or an $85 assertion credit score for TSA PreCheck® as soon as each 4 1/2 years.
• Journey credit score: As much as $200 annual assertion credit score towards air journey bills like baggage charges and inflight food and drinks.
• Rental standing: Elite standing at a lot of automotive rental companies.
• Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
• Rebate for redeemed factors: 35% factors rebate if you happen to ebook a enterprise or first-class flight, as much as 500,000 bonus factors per calendar yr.
• Dell assertion credit score: As much as $400 in assertion credit yearly for Dell purchases.

Backside Line

United Membership^SM Enterprise Card is a perfect journey card for enterprise house owners who typically fly with United Airways, need to use the United Membership lounges, and have their baggage checked. It provides a number of journey perks, together with free checked baggage, complete journey and buy coverages, and Premier Entry® journey providers. Be aware that different small enterprise playing cards offer you and your companions entry to greater than a thousand airport lounges, cost a decrease annual charge, and provide higher journey rewards.