United Membership Enterprise Card overview
The United Membership℠ Enterprise Card presents United Membership lounge entry and glorious incomes charges on United flight purchases. When you’re a enterprise proprietor who’s a frequent United flyer, this card will make a very good addition to your pockets. Card ranking*: ⭐⭐⭐
* Card ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The United Membership Enterprise presents premium perks for enterprise house owners, akin to United Membership lounge entry, assertion credit and helpful journey and buy protections. This card, like its different United bank card household counterparts, underwent a serious refresh in March.
The United Membership Enterprise card’s hefty $695 annual charge is similar to that of different premium journey playing cards, together with some choices from Amex, Capital One and Chase.
The cardboard’s refresh launched helpful assertion credit, a neater shortcut to elite standing, the removing of some lounge entry and a considerable annual charge improve from $550 to $695. When you’re a excessive spender who additionally occurs to be a frequent United flyer, this card presents nice worth and the flexibility to earn a quicker path to elite standing.
We usually advocate a credit score rating of 740 or greater to extend your probabilities of approval for this card, although getting permitted with a decrease credit score rating is feasible.
Within the ever-crowded market of enterprise bank cards, let’s study the main points 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 offered by the cardboard issuer.
United Membership Enterprise Card execs and cons
| Professionals | Cons |
|---|---|
|
|
United Membership Enterprise Card welcome provide
The United Membership Enterprise presents new candidates 100,000 bonus miles and a couple of,000 PQP after spending $5,000 on purchases within the first three months from account opening. Plus, earn a bonus of 10,000 miles after you add an worker card inside the first three months.
Each day Publication
Reward your inbox with the TPG Each day publication
Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants
TPG’s July 2025 valuations peg United miles at 1.30 cents every, making this bonus price $1,300 (not together with the bonus PQPs).
That is barely under the very best welcome provide we have seen on this card, however it’s nonetheless an important provide to use for in case you have been contemplating this card.
It is vital to notice that you simply aren’t eligible for this welcome provide when you at present have or have had the United Membership Enterprise Card and acquired a welcome bonus for it inside the final 24 months.
Additionally, you will be topic to Chase’s 5/24 rule, that means when you’ve opened 5 or extra bank card accounts within the final 24 months, you might not be permitted for this card.
Associated: Greatest bank card welcome presents
United Membership Enterprise Card advantages
The United Membership Enterprise Card mirrors lots of the journey perks and protections on the United Membership℠ Card (see charges and costs).
United Membership membership
The United Membership Enterprise Card features a United Membership membership, which provides you limitless entry to over 45 United Golf equipment worldwide.
You’ll deliver one grownup companion and any dependents underneath the age of 18. United Membership membership prices at the very least $750 per yr, which alone makes up for the cardboard’s steep $695 annual charge.
Cardholders may also unlock United Membership All-Entry membership by being a MileagePlus Premier Gold Elite member or spending $50,000 on their Membership Enterprise Card in a calendar yr. With this membership, you may herald two grownup visitors 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 visitors to make use of. The one draw back with the one-time passes is that the first cardholder or approved person should additionally enter the lounge with you, and this card already consists of complimentary entry to the lounge for visitors, so until you are touring with a big social gathering, it could be tough to make use of these passes.
For many frequent United flyers, reaching Premier Gold won’t be too tough, 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 also 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 annually:
- Resort assertion credit score: As much as $200 for Famend Resorts and Resorts for United Cardmembers bookings whenever you prepay (Famend Resorts and Resorts embrace 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 instantly with JSX.
- Trip-hailing assertion credit score: As much as $12 month-to-month from January by means of 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 automobile leases booked by means of 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 automobile leases booked by means of 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 an announcement credit score every anniversary yr after you purchase FareLock together with your Membership Enterprise Card. FareLock saves and holds your seat on a United-operated flight for a choose timeframe, and your value won’t go up throughout that timeframe.
- World Entry/TSA PreCheck/Nexus: As much as $120 World Entry/TSA PreCheck/Nexus utility charge credit score each 4 years.
Different advantages embrace
- Checked baggage: Free first and second checked baggage for the first cardholder and one touring companion.
- Premier Entry: Premier entry consists of precedence check-in, safety screening, boarding and baggage dealing with the place obtainable.
- Inflight low cost: Cardholders obtain 25% again as an announcement 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, it is advisable to spend an enormous $420,000, which can be out of attain for many companies.
- Higher collectively bonus: In the event that they maintain a private United bank card, cardholders obtain 5,000 bonus miles every anniversary yr.
- Entry to expanded award availability.
- Complimentary premier upgrades on award tickets.
- Earn as much as two international Economic system Plus upgrades: Cardholders who spend $40,000 or extra on the Membership Enterprise Card will unlock two international Economic 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 could 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 in case you are a United MileagePlus elite. So, in case you have standing, you might need to take into account whether or not the nonelite perks offer you sufficient further worth.
Associated: What’s United Elite standing price?
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 spent on United flight purchases (5 miles from being a United MileagePlus member and a couple of miles from being a Membership Enterprise cardholder)
- 5 miles per greenback spent on United resorts
- 2 miles per greenback spent on all different United purchases
- 1.5 miles per greenback spent 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 helpful in case you are a excessive spender there.
The return on United purchases is the very best available on the market, equaling 9.1%. Subsequently, the opposite bonus class return on spending equals 6.5%, 2.6% and roughly 2%, respectively, in line with TPG’s July 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 perfect worth is to redeem miles for flights on United’s intensive community of home and worldwide flights or on the provider’s Star Alliance companions and different nonalliance airline associate flights.
United makes use of a dynamic pricing mannequin for its award flights, so pricing can fluctuate. Home awards in economic system normally begin at 5,000 miles one-way, however we have seen gross sales with awards beginning at simply 3,900 miles. Fortuitously, United does not cost gasoline surcharges on award tickets.
I wish to make the most of United’s saver fares gained from my United MileagePlus standing and redeem my miles on shorter flights to Europe from Newark Liberty Worldwide Airport (EWR) to locations like Dublin Airport (DUB) and Lisbon Airport (LIS), the place one-way economic system fares begin at 24,000 miles. Economic system class on these shorter trans-Atlantic flights does not trouble me as I will get an additional legroom Economic system Plus seat complimentary, because of my standing, and these flights are normally daytime flights underneath seven hours.
You can too switch miles to Marriott Bonvoy at a 1:1 ratio, an possibility it is best to by no means take into account until you completely must high up your Bonvoy account steadiness. You possibly can’t switch greater than 200,000 United miles to Marriott in a calendar yr, however for many, that should not be an issue.
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.
- When you choose United advantages with a less expensive annual charge: The United℠ Enterprise Card (see charges and costs) has a decrease annual charge and presents 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 overview of the United Enterprise Card.
- When you choose a extra versatile card: The Ink Enterprise Most well-liked® Credit score Card (see charges and costs) 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 precious 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 may redeem factors for elevated worth by means of Chase Journey℠. For extra info, learn our full overview of the Ink Enterprise Most well-liked card.
- When you choose a extra versatile premium card: Chase Sapphire Reserve for Enterprise℠ (see charges and costs) is likely one of the high enterprise journey rewards playing cards. You may obtain a plethora of precious assertion credit, get pleasure from airport lounge entry and earn precious Chase Final Rewards factors, which could be transferred to certainly one of Chase’s switch companions, together with United. To study extra, learn our full overview of the Chase Sapphire Reserve for Enterprise.
For added choices, try our full record of the perfect United playing cards and finest airline playing cards.
Is the United Membership Enterprise Card price it?
Enterprise house owners who fly on United continuously can discover good worth from the United Membership Enterprise Card because it consists of United Membership entry, free checked baggage and glorious journey protections. Most enterprise house owners ought to have the ability to use lots of the newly added assertion credit. Nevertheless, when you do not fly United usually, you might be higher suited to a card that earns transferable factors just like the Ink Enterprise Most well-liked.
Backside line
The United Membership Enterprise Card presents a superb return on spending on United flights. Regardless of the excessive annual charge, the advantages and assertion credit assist offset the associated fee. When you’re a enterprise proprietor who continuously flies United and needs premium journey advantages, this card is price contemplating including to your pockets.
Associated: United Enterprise Card vs. the United Membership Enterprise Card: Which do you have to get?
