United Club Business

Earn 100,000 United MileagePlus miles and 3,000 Premier Qualifying Points (PQPs) after spending $5,000 in the first 3 months. Add an authorized user within the same window for an extra 10,000 miles. PQPs count toward United elite status.

Add an authorized user to your account within the first 3 months of card opening to earn a one-time bonus of 10,000 United MileagePlus miles. This bonus is separate from the standard welcome offer and is available only once.

Earn 8 United MileagePlus miles per dollar on eligible United flight purchases charged to your card. Book directly through United to maximize this rate, as codeshare or partner flights may earn differently. Miles post after your flight is completed.

Earn 5 United MileagePlus miles per dollar on stays at Renowned Hotels and Resorts for United Cardmembers. Book through the program's designated channel and pay with your card to qualify; miles post after your stay is complete.

Earn 2 United MileagePlus miles per dollar on other eligible United purchases — such as seat upgrades, inflight food and beverages, and United gift cards — that don't qualify for the higher 8x flight rate. Miles post automatically each billing cycle.

Earn 1.5 United MileagePlus miles per dollar on all purchases that don't fall into a higher bonus category. This rate applies worldwide with no cap, and miles post automatically each billing statement.

Get up to $240 back per year on Instacart purchases, issued as two $10 statement credits each month. You must have an active Instacart+ membership (included with this card) and pay with your card. Unused credits expire at month's end. Benefit runs through December 31, 2027.

Get up to $200 back per cardmember year on prepaid stays booked through the Renowned Hotels and Resorts for United Cardmembers program. Book directly through the program and pay with your card; the credit posts as a statement credit and resets each cardmember year.

Receive up to $200 back each anniversary year as a statement credit on JSX flight purchases. Book directly with JSX and charge the fare to your card to qualify. The credit resets at your card anniversary date.

Get up to $120 back as a statement credit to cover your Global Entry, TSA PreCheck, or NEXUS application fee. Charge the fee to your card to trigger the reimbursement. This credit is available once every four years.

Receive up to $150 back per year on eligible rideshare charges — $12 per month from January through November and $18 in December. The credit is applied automatically with no activation required, and unused monthly amounts do not carry over.

Earn up to $100 in United TravelBank cash per year — up to $50 per rental — when you book Avis or Budget rentals through cars.united.com and pay with your card. TravelBank cash can be applied toward future United flight purchases.

Earn up to $50 in United TravelBank cash per eligible Avis or Budget rental, up to twice per cardmember year ($100 total). Rentals must be booked through cars.united.com and paid with your card. TravelBank cash can be used toward future United flight bookings.

Get $50 in FareLock credit each anniversary year to hold a United fare while you finalize your plans. Select the FareLock option at checkout on united.com to apply the credit. It resets at your card anniversary and unused credit does not carry over.

Receive 5,000 bonus United MileagePlus miles each year at your card anniversary. To qualify, you must hold both this card and an eligible personal Chase United card at the time of your anniversary. Miles post automatically when both cards are open and in good standing.

Get priority lanes for check-in, security screening, baggage handling, and boarding on eligible United flights. These benefits apply automatically when you're ticketed on a qualifying United itinerary — no separate enrollment required.

United Club membership makes you eligible for complimentary elite upgrades on United award tickets — a benefit typically not available to award ticket holders. Upgrades are subject to availability and standard United upgrade policies.

Spend $40,000 on your card in a calendar year to earn 2 global Economy Plus seat upgrade credits. These credits get you access to seats with extra legroom on eligible United domestic and international flights.

Book United economy saver awards on flights within the continental U.S. and Canada for 10% fewer miles than the standard rate. This discount applies to the primary cardholder only and is visible when searching saver-level awards on united.com.

Earn 1 Premier Qualifying Point (PQP) for every $15 in card purchases, up to a maximum of 28,000 PQPs per calendar year. These points count toward United MileagePlus Premier status tiers alongside PQPs earned from flying.

Access a broader pool of United award seats that aren't available to the general MileagePlus public. Search and book through united.com while logged into your linked MileagePlus account. Availability varies by route and travel date.

Receive a 10% discount on miles required for United award bookings. Separately, spending $20,000 in a calendar year earns a 10,000-mile discount on award tickets, redeemable up to twice per year for a max of 20,000 miles in savings annually.

Your first and second checked bags are free on eligible United flights for both you and one travel companion on the same reservation. Your card must be used to purchase the ticket to qualify, saving up to $160 round-trip for two travelers.

When you hold a United Club All Access membership and add an authorized user, you receive four one-time United Club guest passes. Each pass grants a single guest entry to a United Club lounge, provided the primary cardholder or authorized user is traveling with them.

Spend $50,000 in net card purchases in a calendar year — or reach Premier Gold status with an authorized user on your account — to earn 4 United Club one-time passes and United Club All Access membership, which expands lounge access beyond the standard cardholder benefit.

Get a head start on United MileagePlus elite status with 1,500 Premier Qualifying Points (PQPs) credited to your account automatically each year. No spending requirement applies — the bonus is deposited annually and counts toward all standard status thresholds.

Earn 1 Premier Qualifying Point (PQP) for every $15 spent on your card, helping you build toward United MileagePlus elite status. Card-based PQPs combine with those earned from flying, and you can earn up to 28,000 PQPs per calendar year this way.

This card acts as the primary insurer for collision damage and theft on eligible rental cars — so you don't need to file with your personal auto insurance first. Decline the rental company's collision damage waiver and pay with your card to activate coverage.

Cardholders receive complimentary Hertz Gold Plus Rewards President's Circle status — Hertz's top elite tier — including guaranteed upgrades, priority service, and access to the widest vehicle selection. Enroll through the link provided by Chase to activate.

This card provides primary collision damage and theft coverage on eligible rental cars when you pay with the card and decline the rental company's own damage waiver. As primary coverage, you don't need to involve your personal auto insurance first. Exclusions apply — check your cardmember agreement.

If your checked baggage is delayed on a covered trip, this benefit reimburses essential purchases like clothing and toiletries up to the benefit limit. Charge your travel to this card to be eligible, and coverage activates once the delay exceeds the minimum required time.

If your trip is canceled or interrupted due to a covered reason — such as illness or severe weather — this benefit reimburses non-refundable trip costs up to the per-trip benefit limit. Charge your prepaid travel to this card to be eligible.

When a covered trip is delayed for a qualifying reason, this benefit reimburses reasonable expenses like meals and lodging. Pay for your travel with this card to activate coverage; reimbursement begins once the delay meets the minimum threshold in your cardmember agreement.

Eligible purchases made with this card have their original U.S. manufacturer's warranty extended by one additional year, for warranties of three years or less. Keep your receipts and original warranty documentation in case you need to file a claim.

Receive one year of DoorDash DashPass at no charge, which includes free delivery and reduced service fees on eligible orders. Activate through the DoorDash app or website with your card before December 31, 2027. The complimentary membership lasts 12 months from activation.

Cardholders receive a complimentary Instacart+ membership, which provides free delivery and reduced fees on eligible orders. Activate through your card's benefits portal before December 31, 2027 to take advantage of this perk.

Pay no foreign currency conversion fees on purchases made outside the U.S., whether you're traveling internationally or shopping on a foreign website. No enrollment is required — the benefit applies automatically to all eligible transactions.