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United Business

$150 / yr · Earns Ultimate Rewards

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.

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Earning rates

CategoryRateNotes
Flights8x
Everything else1x

Benefits

Welcome Bonus

  • Welcome Bonus Miles + PQP

    Earn 100,000 bonus miles and 2,000 PQPs when you spend $5,000 in your first 3 months. Add an authorized user within that same window to earn an additional 10,000 miles. All requirements must be completed within the first 3 months of account opening.

Bonus Earnings

  • 8x Miles on United Flights

    Earn 8 miles per dollar on eligible United Airlines flight purchases charged to this card. This is the total combined earning rate, including base miles.

    Resets: Yearly
  • 2x Miles on Dining, Gas, Office Supplies, Transit

    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.

    Resets: Yearly
  • 2x Miles on United Purchases

    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.

    Resets: Yearly
  • 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.

    Resets: Yearly
  • 1x Miles on All Other Purchases

    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.

    Resets: Yearly

Statement Credits

  • United Hotels Statement Credit$50 / yrTrackable

    Get $50 back as a statement credit on each of your first two prepaid hotel stays booked through United Hotels each anniversary year, for up to $100 total. Book and pay through United Hotels with this card to qualify. Credits reset each card anniversary year.

    Resets: Yearly
  • Rideshare Statement Credits$100 / yrTrackable

    Receive up to $100 per year in statement credits on rideshare purchases — up to $8 per month from January through November and up to $12 in December. Credits post after eligible charges appear on your account, and unused monthly amounts expire at the end of each month.

    Resets: Yearly
  • Instacart Statement Credit$10 / moTrackable

    Get up to $10 back per month — up to $120 per calendar year — as a statement credit on Instacart purchases made with this card. Monthly credits don't carry over, so any unused amount is forfeited at month's end. This benefit is available through December 31, 2027.

    Resets: Monthly
  • 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: Yearly
  • Annual United Travel Credit$125 / yrTrackable

    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: Yearly
  • 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: Yearly
  • Avis/Budget TravelBank Cash Credits$50 / yrTrackable

    Earn up to $25 in United TravelBank cash per eligible Avis or Budget rental, up to two times per cardmember year for a maximum of $50. TravelBank cash can be used toward future United flight purchases. Rentals must be booked at eligible rates through Avis or Budget to qualify.

    Resets: Yearly

Travel Benefits

  • Complimentary Elite Upgrades on Award Tickets

    The primary cardholder and up to one companion on the same reservation each get their first checked bag free on United-operated flights. You must pay for the ticket with your United Business Card for the benefit to apply.

    Resets: Yearly
  • Economy Plus Seat Upgrades

    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: Yearly

Concierge & Membership

  • 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.

Fees & Miscellaneous

  • Anniversary Bonus Miles

    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.

    Resets: Yearly
  • 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.

    Resets: Yearly
  • 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.

    Resets: Yearly
Cards with similar benefits:General Travel CreditsRideshare CreditsGrocery & Delivery Credits
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