Chase
United Business Benefits, Credits & Annual Fee
$150 / yr · Earns UNITED
A business card built for small-business owners who fly United, offering free checked bags, lounge passes, and a mix of travel and everyday statement credits for a $150 annual fee.
- 8xFlights
- 2xCard Events
- 2xDining +3
- MemberDashPass
- $125United Travel
$616/yr in credits · $150 annual fee
Maintained by Creddy Editorial · Catalog checked Oct 9, 2026
United Business at a Glance: $150 Annual Fee, Issuer and Rewards
- Annual fee:
- $150 / yr
- Issuer:
- Chase
- Rewards:
- UNITED
- Credits:
- 9 recurring, up to $616 a year
United Business Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Flights | 8x | |
| Dining | 2x | |
| Gas | 2x | |
| Transit | 2x | |
| Everything else | 1x |
Who Should Get the United Business?
The United Business fits people who spend most on flights (8x) and dining (2x). Its $150 annual fee makes sense if the $616 a year in credits Creddy lists, plus what you earn, covers it with credits you would use anyway. It is a business card.
Is the United Business Worth the $150 Annual Fee?
The United Business costs $150 a year. Creddy lists 9 trackable credits worth up to $616 a year if you use every one, $466 more than the fee. You break even once you use about 24% of that credit value, so count only the credits you would use anyway.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
United Business Welcome Bonus
100,000 United miles plus 2,000 PQP; 10,000 additional miles for first employee card
Offer history
- Sep 10100,000 United miles plus 2,000 PQP; 10,000 additional miles for first employee card
- Sep 7100,000 United miles plus 2,000 PQP; another 10,000 miles for adding an authorized user/employee
- Apr 17Up to 110,000 bonus miles + 2,000 PQP
Tracked since Oct 2024
United Business Statement Credits and When They Reset
- 25% Back on Inflight and United Club Premium Drink Purchases25% / yr
Receive 25% back as a statement credit on food, beverage, and Wi-Fi purchases on board United and United Express flights, Wi-Fi subscriptions, and premium drink purchases at United Clubs when charged to the card.
Checked Sep 14, 2026 - United Hotels Statement Credit (1 of 2)$50 / yrTrackable
One of 2 $50 credits each anniversary year, one per prepaid United Hotels stay. Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United Hotels with your United Business Card, up to $100 each anniversary year.
Resets: Card anniversaryChecked Oct 1, 2026 - United Hotels Statement Credit (2 of 2)$50 / yrTrackable
One of 2 $50 credits each anniversary year, one per prepaid United Hotels stay. Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United Hotels with your United Business Card, up to $100 each anniversary year.
Resets: Card anniversaryChecked Oct 1, 2026 - Avis/Budget TravelBank Cash Credit (2 of 2)$25 / yrTrackable
One of 2 $25 credits each anniversary year, one per Avis or Budget rental. Get up to $50 in United TravelBank cash each card anniversary year for Avis or Budget rentals. Book directly through cars.united.com and pay with your card to get $25 for each of your first two rentals.
Resets: Card anniversaryChecked Oct 1, 2026 - Rideshare Statement Credits$8 / moTrackableEnrollment required
Enroll to receive up to $100 back as statement credits each calendar year on rideshare purchases: up to $8 back each month from January through November and up to $12 back for December. Yearly opt-in is required.
Resets: MonthlyChecked Sep 14, 2026 - Instacart Statement Credit$10 / moTrackable
Get a $10 Instacart credit each month, up to $120 per calendar year. Make purchases directly through Instacart with your card to use the credit. This benefit ends December 31, 2027.
Resets: MonthlyChecked Sep 28, 2026 - FareLock Statement Credit$25 / yrTrackable
Get up to $25 back per year as a statement credit when you use FareLock to hold a United fare. Just charge the FareLock fee to your United Business Card and the credit is applied automatically. The $25 limit resets annually.
Resets: Card anniversaryChecked Sep 28, 2026 - Annual United Travel Credit$125 / yrTrackableMin charge $100
Earn a $125 United travel credit each calendar year after making 5 separate United flight purchases of more than $100 each within that same year. The credit applies only toward United-operated flights.
Resets: Calendar yearChecked May 22, 2026 - JSX Flight Statement Credit$100 / yrTrackable
Receive up to $100 back per anniversary year as a statement credit on flights booked directly with JSX, the semi-private commuter airline. Simply pay for your JSX flights with this card and credits apply automatically until you reach the $100 annual cap.
Resets: Card anniversaryChecked May 22, 2026 - Avis/Budget TravelBank Cash Credit (1 of 2)$25 / yrTrackable
One of 2 $25 credits each anniversary year, one per Avis or Budget rental. Get up to $50 in United TravelBank cash each card anniversary year for Avis or Budget rentals. Book directly through cars.united.com and pay with your card to get $25 for each of your first two rentals.
Resets: Card anniversaryChecked Oct 1, 2026
United Business Travel Benefits
Travel Benefits
- MileagePlus Miles Redemption for Card Charges
Use miles earned with your card for a statement credit against United ticket purchases or your annual card fee. Redeem your miles through your Chase card account for a qualifying charge.
Checked Sep 28, 2026 - Priority Boarding
Primary cardmember and companions on the same reservation are invited to board United-operated flights prior to general boarding.
Checked Sep 14, 2026 - Complimentary Elite Upgrades on Award Tickets
Primary cardmember with MileagePlus Premier status traveling on an award ticket, plus one companion on the same reservation, are eligible for complimentary Premier upgrades on select United- and United Express-operated flights, subject to availability.
Checked Sep 14, 2026 - Discounted United Award Flight Pricing
Book United or United Express award flights for fewer miles than the base price for members without an eligible card. Primary cardholders save at least 10%, or at least 15% if they have MileagePlus Premier status.
Checked Sep 28, 2026 - Free First Checked Bag
Primary cardmember and one traveling companion on the same reservation each get their first standard checked bag free on United- and United Express-operated flights when the primary cardmember pays with the United Business Card and includes their MileagePlus number.
Checked Sep 14, 2026 - Economy Plus Seat UpgradesTrackableMin spend $25,000
Earn two complimentary Economy Plus seat upgrade certificates for continental U.S. flights after spending $25,000 on your card in a calendar year. Each certificate moves one seat to the Economy Plus cabin, which offers extra legroom.
Resets: Calendar yearChecked Sep 13, 2026
Lounge Access
- 2 United Club One-Time PassesTrackable
Two United Club one-time passes are deposited into the primary cardmember MileagePlus account after account opening and every 12 months thereafter while the account remains open.
Resets: Card anniversaryChecked Sep 28, 2026
Rental Car
- Auto Rental Coverage
Get reimbursement up to $60,000 for theft or collision damage to a covered rental vehicle. Decline the rental company’s collision insurance and charge the full rental cost to your card. Coverage is primary for business rentals and generally applies to vehicles with an MSRP of $125,000 or less.
Checked Sep 28, 2026
Travel Insurance
- Trip Cancellation and Interruption Insurance
Get reimbursed for prepaid, nonrefundable passenger fares if a covered event cancels or cuts short your trip. Covered reasons include sickness and severe weather. Reimbursement is limited to $1,500 per covered traveler and $6,000 per trip.
Checked Sep 28, 2026 - Trip Delay Reimbursement
Get up to $500 per covered traveler for unreimbursed expenses such as meals and lodging. Coverage applies when common-carrier travel is delayed more than 12 hours or requires an overnight stay.
Checked Sep 28, 2026 - Baggage Delay Insurance
Get reimbursed up to $100 a day for up to 3 days for essentials like toiletries and clothing. It applies when your baggage is delayed more than 6 hours on a covered trip.
Checked Oct 9, 2026 - Lost Luggage Reimbursement
Get up to $3,000 per covered traveler to repair or replace checked or carry-on baggage. Coverage applies when baggage is lost, damaged or stolen during a covered trip.
Checked Oct 9, 2026
More United Business Card Benefits
Bonus Earnings
- United Card Events Purchase Rewards2 mi
Earn 2 MileagePlus miles per dollar on United Card Events from Chase purchases. Pay with your card; the rate includes the standard 1 mile per dollar plus 1 additional mile.
Checked Sep 30, 2026 - 8x Miles on United Flights8x miles
Earn 8 total MileagePlus miles per dollar on eligible United flights. The primary cardholder earns 6 miles per dollar on their United fare as a MileagePlus member, plus 2 miles per dollar on the entire United purchase paid with this card.
Checked Sep 30, 2026 - 2x Miles on Dining, Gas, Office Supplies, Transit2x miles
Earn 2 miles per dollar at restaurants, gas stations, office supply stores, and on local transit and commuting purchases. The bonus applies automatically at qualifying merchants in these categories.
Checked Sep 30, 2026 - 2x Miles on United Purchases2x miles
Earn 2 miles per dollar on eligible United purchases other than flights - things like seat upgrades, inflight purchases, and United Club memberships all qualify when charged to this card.
Checked Sep 30, 2026 - Premier Qualifying Points Earning
Earn 1 Premier Qualifying Point (PQP) for every $20 spent on the card, helping you work toward United elite status levels from Silver to 1K. Card spending contributes a maximum of 4,000 PQPs per calendar year.
Checked Sep 28, 2026 - 1x Miles on All Other Purchases1x miles
Earn 1 mile per dollar on every purchase that doesn't qualify for a higher bonus category. There's no cap on miles earned at this base rate.
Checked Sep 30, 2026
Purchase Protection
- Purchase Protection
Get coverage against damage or theft for eligible new purchases. Protection lasts 120 days from the purchase date and covers up to $10,000 per item.
Checked Sep 28, 2026 - Extended Warranty Protection
Get one additional year on an eligible manufacturer’s U.S. warranty. The original warranty must be three years or less, and total coverage extends no further than four years from purchase.
Checked Sep 28, 2026
Concierge & Membership
- Visa Signature Concierge
Get access to Visa Signature Concierge Service at any hour. Contact the concierge when you need assistance; the service is available 24 hours a day.
Checked Sep 28, 2026 - Complimentary Instacart+ Membership and Discounted Annual Rate
Get three months of Instacart+ membership, including $0 delivery fees on eligible orders. Afterward, membership automatically continues at 25% off the annual rate; service fees still apply. The benefit ends December 31, 2027.
Checked Sep 28, 2026 - Free DashPass MembershipEnrollment required
Receive a complimentary one-year DashPass membership, which provides $0 delivery fees and reduced service fees on eligible DoorDash orders. Activate through DoorDash using your card. You must activate by December 31, 2027.
Checked May 22, 2026
Entertainment
- United Card Events from Chase
Get opportunities to buy access to United Card Events from Chase. Browse available cardholder events and purchase tickets for experiences that interest you; availability depends on the event.
Checked Sep 28, 2026 - MileagePlus Exclusive Events
Use MileagePlus miles for access to selected events and experiences. Browse MileagePlus Exclusives for options such as dinners, sports, concerts and behind-the-scenes United events; offerings vary.
Checked Sep 28, 2026
Fees & Miscellaneous
- No Foreign Transaction Fees
No extra fees are added when you use this card for purchases made outside the U.S. Transactions in foreign currencies are billed at the standard exchange rate with no additional percentage tacked on, whether you're shopping in-person or online abroad.
Checked May 22, 2026 - Refer-a-Friend Bonus Miles10,000 mi
Earn 10,000 bonus miles for each friend you refer who gets approved for any United MileagePlus Card. Share your referral link to get started.
Checked Oct 9, 2026 - Anniversary Bonus Miles5,000 mi / yr
Receive 5,000 bonus miles each year on your card anniversary - but only if you also hold an active personal Chase United credit card at the same time. Miles are awarded automatically when both cards are open on your anniversary date.
Checked Sep 28, 2026 - Employee Cards at No Additional Cost
Add employee cards to your account at no additional cost. You can set individual spending limits on each employee card to help manage and track business expenses.
Checked May 22, 2026
United Business vs Other Chase Cards
- Southwest Premier Business$149 / yr
- Chase Ink Premier$195 / yr
- World of Hyatt Business$199 / yr
- IHG Premier Business$99 / yr
Related credit card guides
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
United Business FAQs
Is the United Business Card worth the annual fee?
Compare United Business's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
What are the benefits of the United Business Card?
Chase lists two continental U.S. Economy Plus upgrades after $25,000 in qualifying calendar-year purchases, along with United Hotels, rideshare, Instacart and FareLock credits subject to their individual terms. Check enrollment, eligible booking channels, benefit periods and exclusions before assigning value. Checked against the United Business issuer page on September 26, 2026.
What is the annual fee for the United Business Card?
Creddy's catalog lists a $150 annual fee for United Business as checked on September 26, 2026. Confirm current pricing and any additional-card fees with Chase before applying or renewing.
Does the United Business Card come with a welcome bonus?
Welcome offers for United Business can change and may depend on your application or account history. Check Chase's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the United Business Card?
United Business may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the United Business Card compare to other Chase cards?
Compare United Business with other Chase cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.