United Club Business Benefits, Credits & Annual Fee

• United Inflight and Club Purchases Statement Credit25%

  Get 25% back as a statement credit on qualifying United inflight and United Club purchases. Pay with your United Club Business Card for food, beverages or Wi-Fi aboard United-operated flights, or for premium drinks at United Clubs.

  Checked Sep 28, 2026
• Avis or Budget Rental TravelBank Cash Credit (2 of 2)$50 / yrTrackable

  One of 2 $50 credits each anniversary year, one per Avis or Budget rental. Receive $50 in United TravelBank cash for your 1st and 2nd Avis or Budget car rentals booked directly through cars.united.com and paid with your United Club Business Card, up to $100 each account anniversary year.

  Resets: Card anniversaryChecked Oct 1, 2026
• Instacart Credits (Monthly)$20 / moTrackable

  Get two $10 Instacart credits each month, up to $240 per calendar year. Make purchases directly through Instacart with your United Club Business Card to use them. This benefit ends December 31, 2027.

  Resets: MonthlyChecked Sep 28, 2026
• Renowned Hotels and Resorts Statement Credit$200 / yrTrackable

  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.

  Resets: Card anniversaryChecked Sep 28, 2026
• JSX Flights Statement Credit$200 / yrTrackable

  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.

  Resets: Card anniversaryChecked May 20, 2026
• Trusted Traveler Application Fee Credit$120 / 4yrTrackable

  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.

  Resets: Every 4 yearsChecked May 20, 2026
• Rideshare Statement Credit$12 / moTrackableEnrollment required

  Up to $12 back as a statement credit each month from January through November, and up to $18 back for December on eligible rideshare purchases (up to $150 per calendar year). Yearly opt-in/activation required. Unused monthly amounts do not carry over.

  Resets: MonthlyChecked Sep 14, 2026
• Avis or Budget Rental TravelBank Cash Credit (1 of 2)$50 / yrTrackable

  One of 2 $50 credits each anniversary year, one per Avis or Budget rental. Receive $50 in United TravelBank cash for your 1st and 2nd Avis or Budget car rentals booked directly through cars.united.com and paid with your United Club Business Card, up to $100 each account anniversary year.

  Resets: Card anniversaryChecked Oct 1, 2026
• FareLock Annual Credit$50 / yrTrackable

  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.

  Resets: Card anniversaryChecked May 20, 2026

Travel Benefits

• Anniversary Bonus Miles (with Personal United Card)5,000 mi / yr

  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.

  Checked May 20, 2026
• Renowned Hotels and Resorts Hotel Benefits

  Get hotel perks when you book through Renowned Hotels and Resorts for United cardmembers. Stays include a $100 property credit, daily breakfast for two and Wi-Fi. Room upgrades and early check-in or late checkout depend on availability.

  Checked Sep 28, 2026
• Renowned Hotels and Resorts Property Credit$100

  Get a $100 property credit when you book a stay through Renowned Hotels and Resorts for United cardmembers. Your stay also includes daily breakfast for two and Wi-Fi; room upgrades and early check-in or late checkout depend on availability.

  Checked Sep 28, 2026
• Priority Check-in, Security Screening, Baggage Handling, and Boarding

  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.

  Checked May 20, 2026
• Complimentary Elite Upgrades on Award Tickets

  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.

  Checked May 20, 2026
• Economy Plus Seat Upgrades (Big Spend Bonus)TrackableMin spend $40,000

  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.

  Resets: Calendar yearChecked Sep 13, 2026
• 10% Mileage Discount on United Economy Saver Awards

  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.

  Checked May 20, 2026
• Premier Qualifying Points (Big Spend Bonus)

  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.

  Checked May 20, 2026
• Expanded Award Availability

  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.

  Checked May 20, 2026
• Award Flight Mileage Discount After SpendingTrackableMin spend $20,000

  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.

  Resets: Calendar yearChecked Sep 13, 2026
• Free First and Second Checked Bags

  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.

  Checked May 20, 2026

Lounge Access

• Star Alliance Lounge Access

  Access participating Star Alliance lounges with United Club All Access membership. Show your qualifying membership when visiting a participating lounge; access for travel companions depends on the lounge's applicable rules.

  Checked Sep 28, 2026
• United Club All Access Four One-Time Guest PassesTrackable

  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.

  Resets: Card anniversaryChecked Sep 28, 2026
• United Club All Access with Premier statusMin spend $50,0000

  Upgrade to All Access membership to bring 2 adult guests, or 1 adult guest plus dependent children under 18. It also opens participating Star Alliance affiliated lounges. You unlock it by reaching Premier Gold status or spending $50,000 per calendar year on the card.

  Checked Oct 9, 2026
• United Club Card Membership

  Your card includes United Club card membership for the primary Cardmember plus one guest (unlimited United Club access), distinct from the $50,000 spend United Club All Access upgrade and anniversary guest-pass benefits.

  Checked Sep 14, 2026
• Existing United Club Membership Reimbursement

  If you already have a United Club membership, you're reimbursed for the unused portion. The reimbursement comes after you're approved for the card.

  Checked Oct 9, 2026

Airline Status

• Annual PQP Jump-Start Bonus

  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.

  Checked May 20, 2026
• PQP Earning on Card Spend

  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.

  Checked May 20, 2026

Rental Car

• Primary Auto Rental Collision Damage Waiver

  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.

  Checked May 20, 2026
• Avis President's Club Membership

  Get an invitation to enroll in Avis President's Club as the primary cardmember. Enroll to use benefits including two-car-class upgrades, guaranteed car availability and expedited rental service on qualifying Avis rentals.

  Checked Sep 28, 2026
• Hertz Gold Plus Rewards President's Circle Status

  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.

  Checked May 20, 2026

Travel Insurance

• Auto Rental Coverage

  Get primary coverage for theft and collision damage when renting a vehicle for business. Use the coverage for a qualifying rental; reimbursement is limited to $60,000 and applies to most rental vehicles with a manufacturer's suggested retail price of $125,000 or less.

  Checked Oct 9, 2026
• Lost Luggage Reimbursement

  Get reimbursed for the cost to repair or replace checked or carry-on baggage lost, damaged or stolen during a covered trip. File a claim for the affected baggage; coverage is limited to $3,000 per covered traveler.

  Checked Oct 9, 2026
• Trip Cancellation / Interruption Insurance

  Get reimbursed for prepaid, nonrefundable travel expenses if a covered reason, such as sickness or severe weather, cancels or cuts short your trip. Coverage includes fares, tours and hotels, up to $10,000 per covered traveler and $20,000 per trip.

  Checked Oct 9, 2026
• Trip Delay Reimbursement

  Get reimbursed for unreimbursed expenses such as meals and lodging when common carrier travel is delayed. File a claim if the delay lasts more than 12 hours or requires an overnight stay. Coverage is limited to $500 per covered traveler.

  Checked Oct 9, 2026
• Baggage Delay Insurance

  Get reimbursed for essentials like toiletries and clothing when your baggage is delayed. It pays up to $100 a day for up to 3 days. Coverage starts once the delay passes 6 hours.

  Checked Oct 9, 2026

Bonus Earnings

• United Flights Earning Rate (8X)8x miles

  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.

  Checked Sep 30, 2026
• Renowned Hotels & Resorts Earning Rate (5X)5x miles

  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.

  Checked Sep 30, 2026
• Other United Purchases Earning Rate (2X)2x miles

  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.

  Checked Sep 30, 2026
• Base Earning Rate (1.5X Everywhere Else)1.5x miles

  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.

  Checked Sep 30, 2026

Purchase Protection

• Purchase Protection

  Get coverage if an eligible new purchase is damaged or stolen. File a claim for damage or theft within 120 days of purchase. Coverage is limited to $10,000 per item.

  Checked Oct 9, 2026
• Return Protection

  Get reimbursed for an eligible item a store won't take back. File a claim within 90 days of purchase if the store refuses the return. Coverage is limited to $500 per item and $1,000 per 12-month period.

  Checked Oct 9, 2026
• Extended Warranty Protection

  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.

  Checked Oct 9, 2026

Concierge & Membership

• Visa Signature Concierge

  Reach Visa Signature Concierge at no charge, 24 hours a day. Contact the service for help with things like travel and event planning, and finding gifts.

  Checked Oct 9, 2026
• Complimentary DoorDash DashPass MembershipEnrollment required

  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.

  Checked May 20, 2026

Entertainment

• MileagePlus Exclusive Events

  Use MileagePlus miles for select events and experiences through MileagePlus Exclusives. Browse available offerings, which may include dinners, sporting events, concerts or behind-the-scenes visits to United facilities; options depend on availability.

  Checked Sep 28, 2026
• United Card Events

  Get opportunities to purchase access to private United Card events and experiences. Look for available cardmember events and buy access when offered; events and availability vary.

  Checked Sep 28, 2026

Fees & Miscellaneous

• No Foreign Transaction Fees

  No foreign transaction fees on purchases made outside the U.S. or in a foreign currency.

  Checked Sep 26, 2026
• Refer a Business Owner Bonus Miles10,000 mi / yr

  Earn 10,000 bonus miles for each friend approved for any United MileagePlus Card. Share your referral link to refer them. You can earn up to 100,000 bonus miles per year.

  Checked Oct 9, 2026
• Complimentary Instacart+ MembershipEnrollment required

  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.

  Checked May 20, 2026