United Business

Annual fee: $695
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.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published

$645

What the issuer advertises.

02Realistic

$645

Pays out with no hoops.

03Yours

Open your wallet

From your real spend and redemptions.

Why Perqt says this

$645 advertised across 3 benefits.
2 Global Economy Plus Seat Upgrades ($300) posts automatically. No hoops.
No-hoops value covers 93% of the annual fee.

Better fit if

You'll actually use 2 Global Economy Plus Seat Upgrades.
2× on United Airlines purchases matches your spend.

Probably not if

You want the fee covered without chasing — $50 short.

How Perqt calculates this

Welcome offer

Earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months from account opening.

Est. value: $1,050
Minimum spend: $5,000
Within: 3 mo

Earning rates

All other purchases
1×
miles
United MileagePlus
Top earn
United Airlines purchases
on purchases made directly from United Airlines
2×
miles
United MileagePlus
Top earn
Gas stations
2×
miles
United MileagePlus
Top earn
Office supply stores
2×
miles
United MileagePlus
Top earn
Restaurants
includes eligible delivery services
2×
miles
United MileagePlus
Top earn
Local transit and commuting
includes taxicabs, rideshares, tolls, passenger trains, and transit
2×
miles
United MileagePlus

On-card benefits & credits

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.
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.
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.
United Club Membership
$0
/Annual
Primary Cardmembers and eligible travel companions enjoy access to 45+ United Club locations worldwide.
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.
No-Cost Employee Cards
$0
/Annual
Add employee cards to the account at no additional cost to earn miles faster.

Other Chase cards

Is the United Business right for your spend?

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