United Membership Enterprise Card overview
The United Membership Enterprise Card gives United Membership lounge entry and glorious incomes charges on United flight purchases. Should you’re a enterprise proprietor who’s a frequent United flyer, this card will make an excellent addition to your pockets. Card score*: ⭐⭐⭐
* Card score relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The United Membership Enterprise gives premium perks for enterprise house owners, equivalent to lounge entry, helpful assertion credit and useful journey and buy protections. The $695 annual charge rivals that of among the high premium American Categorical playing cards.
The United Membership Enterprise Card, like its different United bank card household counterparts, underwent a significant refresh in March. With this refresh got here the introduction of helpful assertion credit, a neater shortcut to elite standing, some lounge entry elimination and a considerable annual charge enhance from $550 to $695.
Should you’re a excessive spender, you may get nice worth out of this card with the power to earn a quicker path to elite standing.
The beneficial credit score rating for this card is 740, however getting permitted with a decrease credit score rating shouldn’t be remarkable.
Within the ever-crowded market of enterprise bank cards, let’s study the small print of the United Membership Enterprise Card and decide whether or not it deserves a spot in your pockets.
The data for the United Membership Enterprise has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
United Membership Enterprise Card execs and cons
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United Membership Enterprise Card welcome supply
The United Membership Enterprise gives new candidates 125,000 bonus miles after spending $5,000 on purchases within the first three months from account opening. Plus, earn a bonus of 5,000 miles after you add an worker card inside the first three months. This supply ends Could 7.
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TPG’s March 2025 valuations peg United miles at 1.35 cents every, making this bonus value as much as $1,755. That is the best-ever welcome supply we’ve seen on this card, so if in case you have been eyeing it, now could be the very best time to use.
Associated: Finest bank card welcome gives
United Membership Enterprise Card advantages
The United Membership Enterprise Card mirrors most of the United Membership℠ Card‘s journey perks and protections.
United Membership membership
The United Membership Enterprise Card features a United Membership membership, which provides you limitless entry to over 45 United Golf equipment the world over.
You’ll convey one grownup companion and any dependents beneath the age of 18. United Membership membership prices not less than $750 per yr, which alone makes up for the cardboard’s steep $695 annual charge.
Cardholders can even unlock United Membership All-Entry membership by being a Premier Gold Elite member or spending $50,000 on their Membership Enterprise Card in a calendar yr. With this membership, you possibly can usher in two grownup friends to United Golf equipment and get entry to Star Alliance lounges.
Lastly, when you earn United Membership All-Entry membership and add an worker card, you can be granted 4 one-time passes for friends to make use of. The one draw back with the one-time passes is the first cardholder or licensed consumer should additionally enter the lounge with you, and this card already contains complimentary entry to the lounge for friends, so except you are touring with a big get together, it could be troublesome to make use of these passes.
For many frequent United flyers, reaching Premier Gold won’t be too troublesome, and it’s far cheaper than spending $50,000. Premier Gold standing could be achieved by incomes 10,000 Premier qualifying factors and taking 30 Premier qualifying flights or simply incomes 12,000 PQPs. Holding the Membership Enterprise Card may help you get to Premier Gold standing quicker by incomes PQPs simply by spending on the cardboard.
Different assertion credit
Membership Enterprise Card holders will obtain the next assertion credit every year:
- World Entry/TSA PreCheck/Nexus: As much as $120 World Entry/TSA PreCheck/Nexus utility charge credit score each 4 years.
- Lodge assertion credit score: As much as $200 for Famend Accommodations and Resorts for United Cardmembers bookings while you prepay (Famend Accommodations and Resorts embody a $100 property credit score and different elitelike perks).
- JSX flight assertion credit score: As much as $200 in JSX assertion credit every anniversary yr when reserving straight with JSX.
- Journey-hailing assertion credit score: As much as $12 month-to-month from January by November and $18 in December for ride-hailing purchases. Enrollment is required.
- United TravelBank money: As much as $100 in United TravelBank money for Avis and Finances automotive leases booked by vehicles.united.com and paid for with Membership Enterprise Card. (as much as $50 in TravelBank money per rental)
- Instacart credit score: Two $10 month-to-month Instacart credit, plus a complimentary Instacart+ membership (ends Dec. 31, 2027). Enrollment is required.
- TravelBank money: As much as $100 in United TravelBank money for Avis and Finances automotive leases booked by vehicles.united.com and paid for with this card; as much as $50 per rental.
- United FareLock assertion credit score: As much as $50 again as a press release credit score every anniversary yr after you purchase FareLock along with your Membership Enterprise Card. FareLock saves and holds your seat on a United-operated flight for a choose timeframe, and your worth won’t go up throughout that timeframe.
Different advantages embody
- Checked baggage: Free first and second checked baggage for the first cardholder and one touring companion.
- Premier Entry: Premier entry contains precedence check-in, safety screening, boarding and baggage dealing with the place accessible.
- Inflight low cost: Cardholders obtain 25% again as a press release credit score on inflight United purchases and 25% again on premium United Membership drink purchases.
- Elite standing shortcut: Cardholders can earn as much as 28,000 PQPs per calendar yr. You earn 1 PQP per $15 spent in your card. To completely maximize this, you want to spend an enormous $420,000, which can be out of attain for many companies.
- Higher collectively bonus: Cardholders obtain 5,000 bonus miles every anniversary yr in the event that they maintain a private United bank card.
- Entry to expanded award availability.
- Complimentary premier upgrades on award tickets.
- Earn as much as two international Financial system Plus upgrades: Cardholders who spend $40,000 or extra on the Membership Enterprise Card will unlock two international Financial system Plus upgrades on any United or United Categorical-operated flight.
- Complimentary Avis President’s Membership membership.
- Journey and buy protections: Cardholders obtain journey cancellation/journey interruption insurance coverage, baggage delay insurance coverage, misplaced baggage reimbursement, journey delay reimbursement, buy safety, prolonged guarantee safety and return safety.
- Doordash DashPass: United Membership Enterprise Card holders obtain a complimentary one-year DashPass membership for each DoorDash and Caviar that gives limitless deliveries with $0 supply charges and decrease service charges on eligible orders. You need to enroll by Dec. 31, 2027.
- Free worker playing cards.
- No international transaction charges.
It is vital to notice that many of those perks included on the Membership Enterprise Card overlap if you’re United MileagePlus elite. So, if in case you have standing, it’s possible you’ll wish to take into account whether or not the nonelite perks give you sufficient further worth.
Associated: What’s United Elite standing value?
Incomes miles on the United Membership Enterprise Card
The United Membership Enterprise Card has a easy earnings construction. You may earn:
- 7 miles per greenback on United flight purchases
- 5 miles per greenback on United lodges
- 2 miles per greenback on all different United purchases
- 1.5 miles per greenback on all different purchases
Whereas these aren’t showstopping charges on on a regular basis spending, this card does present a superb return on United flight purchases, which could be very useful if you’re a excessive spender there. The return on United purchases is the best in the marketplace, equaling 9.5%. Subsequently, the opposite bonus class return on spending equals 3.7%, 2.7% and a pair of%, respectively, in line with TPG’s March 2025 valuations.
Associated: The way to earn miles with the United Airways MileagePlus program
Redeeming miles on the United Membership Enterprise Card
There are quite a few methods to redeem your United miles, however the very best worth is to redeem miles for flights on United’s in depth community of home and worldwide flights or on the service’s Star Alliance companions and different nonalliance airline companion flights.
United makes use of a dynamic pricing mannequin for its award flights, so pricing can range. Home awards in financial system normally begin at 5,000 miles one-way, however we have seen gross sales with awards beginning at simply 3,900 miles. Luckily, United does not cost gasoline surcharges on award tickets.
When redeeming my United Miles for optimum worth, I prefer to make the most of United’s Excursionist Perk when touring from the U.S. to Europe, which permits me to guide a free one-way flight inside the area I’m touring to for simply the taxes and costs. For this perk to work, the journey should originate and finish in the identical area and the free flight needs to be in a area apart from the origin or return area.
Associated: Dynamic pricing versus gasoline surcharges
Which playing cards compete with the United Membership Enterprise Card?
A number of enterprise playing cards compete with the United Membership Enterprise.
- Should you choose United advantages with a less expensive annual charge: The United℠ Enterprise Card has a decrease annual charge and gives perks like United Membership passes, quite a lot of helpful assertion credit and a TSA PreCheck, World Entry or Nexus utility charge credit score. For extra info, learn our full assessment of the United Enterprise Card.
- Should you choose a extra versatile card: The Ink Enterprise Most popular® Credit score Card is nice for companies because it earns bonus factors in varied classes together with promoting and journey, which Chase defines broadly. The cardboard additionally has helpful journey protections in case one thing goes awry throughout your travels, and you will have entry to Chase’s switch companions, together with United, or you possibly can redeem factors for elevated worth by Chase Journey℠. For extra info, learn our full assessment of the Ink Enterprise Most popular card.
- Should you choose Amex: The Enterprise Platinum Card® from American Categorical is among the high enterprise journey rewards playing cards. You may obtain a plethora of helpful assertion credit, take pleasure in unequalled airport lounge entry and earn helpful Membership Rewards factors, which could be transferred to considered one of Amex’s airline and resort companions. Enrollment is required for choose advantages; phrases apply. To be taught extra, learn our full assessment of the Amex Enterprise Platinum.
For added choices, take a look at our full checklist of the very best United playing cards and finest airline playing cards.
Is the United Membership Enterprise Card value it?
Enterprise house owners who fly on United continuously can discover good worth from the United Membership Enterprise Card because it contains United Membership entry, free checked baggage and glorious journey protections. Most enterprise house owners ought to have the ability to use most of the newly added assertion credit. Nevertheless, for those who do not fly United usually, it’s possible you’ll be higher fitted to a card that earns transferable factors just like the Ink Enterprise Most popular.
Backside line
The United Membership Enterprise Card gives a superb return on spending on United flights. Regardless of the excessive annual charge, the advantages and statements credit assist offset the associated fee. Should you’re a enterprise proprietor who continuously flies United and desires premium journey advantages, this card is value contemplating including to your pockets.
Associated: United Enterprise Card vs. the United Membership Enterprise Card: Which must you get?
