United Business
Chase$150 a yearVisa SignatureNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
90,000miles
after $5,000 in purchases in the first 3 months
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus90,000 points at 1.3¢ | $1,170 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$39 |
| Credits you'll likely useof $466 face value | +$219 |
| Annual fee | −$150 |
| Meeting the $5,000 minimumearns 1.3% here vs 2% on Double Cash | −$35 |
| First year | $1,243 |
| Each year after | +$423 |
Not counted in the first year: lounge access, other benefits and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Dining | 2.6% |
| 2X | Gas Stations | 2.6% |
| 2X | Transit | 2.6% |
| 2X | Office supply stores | 2.6% |
| 1X | Everything else | 1.3% |
+ 1 more rate
| Rate | Category | Return |
|---|---|---|
| 2X | United purchases | 2.6% |
Noteworthy perks
- Free first checked bag on United when the primary cardmember's MileagePlus number is on the reservation and the tickets are purchased with the card; the purchase requirement is waived for flights within 90 days of account opening
- Rideshare$96 a year
- United Hotels$100 a year
- United Club Passes
Business card · Earns United MileagePlus · Authorized user fee $0
Benefits
Credits & Perks (9)
- Rideshare: $8 (Monthly)
$8 monthly Jan-Nov, $12 in December. Up to $100 total rideshare statement credits per year. Yearly enrollment required
- United Hotels: $100 (Annual Cardmember Year)
$50 back on both 1st and 2nd prepaid hotel stays purchased directly through United Hotels, up to $100 each anniversary year
- FareLock: $25 (Annual Cardmember Year)
$25 FareLock credit per anniversary year
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
- Instacart coupon: $10 off 1 order (Monthly)
Instacart+ membership required · Activation required · One coupon per order; unused value does not carry over or pool
$10 monthly Instacart coupon, one order per month. Requires active Instacart+ membership (complimentary for 3 months, then 25% off renewal). Through 12/31/27
- United Travel Credit: $125 (Annual Calendar Year)
After 5 United flight purchases of $100+ each calendar year
- JSX: $100 (Annual Cardmember Year)
Up to $100 back as a statement credit each anniversary year on direct JSX bookings
- Avis/Budget: $50 (Annual Cardmember Year)
$25 in United TravelBank cash for 1st and 2nd Avis or Budget rental booked through cars.united.com, up to $50 each anniversary year
- DoorDash Grocery/Retail, monthly coupon: $10 off 1 order (Monthly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on non-restaurant DoorDash orders with DashPass (DashPass first activated between 09/01/26 and 12/31/27 with the card; the coupon continues while you stay enrolled)
Lounge Access (1)
- United Club Passes (2 visits/year): paid guests allowed
Elite status (1)
- United MileagePlus: Earn 1 Premier Qualifying Point (PQP) per $20 spent, up to 4,000 PQP per year
Protections (8)
- Travel Accident Insurance, up to $500,000, Up to $500,000 for accidental death/dismemberment on common carrier
- Trip Cancellation/Interruption, up to $1,500, Up to $1,500 per person, $6,000 per trip for non-refundable trip costs
- Trip Delay, up to $500, Up to $500 per person for delays over 12 hours or requiring overnight stay
- Baggage Delay, up to $300, Up to $100/day for 3 days for essentials when baggage delayed over 6 hours
- Lost Luggage Reimbursement, up to $3,000, Up to $3,000 per person for lost, damaged, or stolen baggage
- Purchase Protection, up to $10,000, 120 days coverage for theft/damage/involuntary parting
- Extended Warranty, up to $10,000, Extends manufacturer's warranty by 1 year (max 3 years original)
- Auto Rental Collision Damage Waiver (primary), up to $60,000, Primary coverage up to $60,000 for theft and collision damage on rental vehicles with MSRP up to $125,000
Other Perks
- Free first checked bag on United when the primary cardmember's MileagePlus number is on the reservation and the tickets are purchased with the card; the purchase requirement is waived for flights within 90 days of account opening
- Priority boarding on United
- Improved saver award availability, including Polaris business class
- At least 10% off all United award flights; 15% off with Premier status
- Unlocks complimentary elite upgrades on award tickets
- 2 Economy Plus seat upgrade credits after $25K in purchases in a calendar year
- Earn miles on Basic Economy flights (non-elite members must hold a co-branded credit card to earn them)
- 3 additional MileagePlus miles per dollar spent on United flights
- 5K bonus miles each anniversary when you also hold a personal Chase United card
- 25% back as a statement credit on United inflight purchases (food, beverages, and Wi-Fi) and Club premium drinks
- Complimentary DoorDash DashPass for 12 months (must activate by 12/31/27)
- Complimentary Instacart+ membership for 3 months (25% off renewal)
The United Business family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from 100K miles + 2K PQP after $5K spend in first 3 months. Plus, earn an extra 10K miles after you add an authorized user to your account in the first 3 months to 90K miles + 2K PQP after $5K spend in first 3 months. Plus, earn an extra 10K miles after you add an authorized user to your account in the first 3 monthsOct 22, 2026
- changed from null to credit_lineOct 11, 2026
- changed from null to United BusinessOct 8, 2026
- changed from null to 5000Aug 13, 2026
- changed from null to 90Aug 13, 2026