United Business
- Annual fee
- $150
- Network
- visa
- Type
- business
It earns United MileagePlus miles on eligible purchases, with elevated rewards in select United and business spending categories.
Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.
Three ways to value this card. Only one of them is yours.
What the issuer advertises.
Pays out with no hoops.
- $945 advertised across 7 benefits.
- 2 Global Economy Plus Seat Upgrades ($300) posts automatically. No hoops.
- No-hoops value covers 630% of the annual fee.
- You'll actually use 2 Global Economy Plus Seat Upgrades.
- 8× on eligible United flights matches your spend.
- No-hoops credits alone clear the fee.
Welcome offer
Earn 90,000 bonus miles + 2,000 Premier qualifying points (PQP) after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an employee card to your account in the first 3 months your account is open.
- Minimum spend
- $5,000
- Within
- 3 mo
Earning rates
- All other purchases1×milesMileagePlus
- Top earnEligible United flights6x miles on the Primary Cardmember's fare from United as a MileagePlus member, plus 2x miles on entire United purchase with United Business Card.8×milesMileagePlus
- Gas stations2×milesMileagePlus
- Office supply stores2×milesMileagePlus
- Local transitincluding ride share services, taxicabs, train tickets, tolls and mass transit.2×milesMileagePlus
- Diningincluding eligible delivery services.2×milesMileagePlus
- All other eligible United purchases2×milesMileagePlus
On-card benefits & credits
- Emergency Evacuation and Transportation$1000000/As needed
- Travel Accident Insurance$500000/As needed
- Purchase Protection$10000/As needed
- Lost Luggage Reimbursement$3000/As needed
- Trip Delay Insurance$500/As needed
- 2 Global Economy Plus Seat Upgrades$300/Annual
Receive two global Economy Plus seat upgrades each year.
- Free first and second checked bags$280/Annual
Primary cardmember and one companion on the same reservation each receive their first and second checked bags free on United-operated flights.
- $125 United travel credit$125/As needed
$125 United travel credit
- Baggage Delay Insurance$100/As needed
- $100 JSX Statement Credit$100/Annual
$100 JSX Statement Credit: A statement credit will automatically be applied to your account when your card is used to make purchases directly with JSX, up to a maximum accumulation of $100 annually.
- 5,000-mile Better-Together Anniversary Bonus$65/Annual
Receive 5,000 bonus miles each year on your card anniversary if you also hold a personal Chase United credit card.
- Up to $50 Avis or Budget Travel Credit$50/Annual
com , up to a maximum accumulation of $50 annually.
- Roadside Assistance$50/As needed
- $25 Statement Credit for FareLock Purchases$25/Annual
$25 Statement Credit for FareLock Purchases: Earn up to a $25 statement credit when your card is used on FareLock purchases for flights operated by United and United Express ® annually.
- Employee Cards$0/Annual
Add employee cards to the account at no additional cost to earn miles faster.
- Return Protection$0/As needed
- Concierge Service$0/As needed
- Travel and Emergency Assistance Services$0/As needed
- $0 Fraud Liability$0/As needed
- United Club Membership$0/Annual
Primary Cardmembers and eligible travel companions enjoy access to 45+ United Club locations worldwide.
- Priority Boarding$0/As needed
Priority Boarding: The primary Cardmember and companions traveling on the same reservation are eligible for priority boarding; authorized users are only eligible if they are on the same reservation as the primary Cardmember.
- Trip Cancellation and Interruption Insurance$0/As needed
- Free Checked Bag$0/As needed
Free Checked Bag: The primary Cardmember and one traveling companion on the same reservation are each eligible to receive their first standard checked bag free; authorized users are only eligible if they are on the same reservation as the primary Cardmember.
- Complimentary Instacart+ membership for 3 months then 25% off$0/Annual
Complimentary Instacart+ membership for 3 months then 25% off: You, as the Primary cardmember, can activate this offer using your eligible United SM Business Card between 3/23/25 and 12/31/27, to receive three (3) months of complimentary Instacart+ membership beginning on the date you activate this offer and this offer’s promotional Instacart+ annual rate.
- Earn 2 continental U.S. Economy Plus ® seat upgrades$0/Annual
Enjoy extra legroom on your next United ® - or United Express ® - operated flight: Earn 2 continental U.S. Economy Plus seat upgrades after spending $25,000 on purchases each calendar year with your United℠ Business Card. *
- 2,000 Additional Premier Qualifying Points (PQP)$0/As needed
2,000 Additional Premier Qualifying Points (PQP): The primary Cardmember will earn 2,000 Premier Qualifying Points (PQP) after you make Purchases totaling $5,000 or more during the first 3 months from account opening.
- Premier Qualifying Points (PQP) Boost$0/Annual
Earn 1 PQP for every $15 spent on purchases, up to 28,000 PQP per calendar year, toward Premier status qualification.
- 25% Inflight & Club Refreshment Back$0/Annual
Get 25% back as a statement credit on food, beverages, and Wi-Fi onboard United-operated flights and premium drinks at United Clubs.
- Auto Rental Collision Damage Waiver$0/As needed
Other Chase cards
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