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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

United Business Card card art
United Business 1 of 1
Comparing 1 card
United Business Card card art
Chase
United Business
Apply Details
Cost and value $150 fee
Annual fee
$150
Credits you can use a year, if you use every one
$620
Fee after credits
$470 back credits beat the fee
Point value per point or mile
1.20¢ Estimate
Rewards currency
United MileagePlus miles
Foreign transaction fee
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus 90,000 miles, about $1,080
Bonus
90,000 miles + 2,000 Premier Qualifying Points (PQP) + 10,000 bonus miles for adding an employee card
Estimated value
$1,080 for the miles
Spend to earn it less a month is easier
$5,000 in 90 days about $1,667 a month
Varies by applicant
Yes the issuer may show you a different offer
Earning rates Top rate 2x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Dining
2x about 2.4% back
Gas
2x about 2.4% back
Transit / Rideshare
2x about 2.4% back
Office supplies
2x about 2.4% back
Everything else
1x about 1.2% back
Only on this card
  • 2x Brand purchases
Statement credits $620 a year
Rideshare
  • $100 a year $8 every month
    What counts

    Enroll to receive up to $100 back as statement credits each calendar year on rideshare purchases: up to $8 back monthly Jan-Nov and up to $12 back in December.

Travel booking
  • $125 a year resets every year
    What counts

    Receive $125 in United TravelBank cash after making 5 United flight purchases of $100 or more each calendar year.

  • $100 a year resets every card anniversary
    What counts

    Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX.

  • $100 a year resets every year
    What counts

    Up to $100 in credits annually on prepaid hotel stays purchased directly through United Hotels.

  • $50 a year resets every card anniversary
    What counts

    Receive $25 in United TravelBank cash for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com, up to $50 each anniversary year.

  • $25 a year resets every card anniversary
    What counts

    Earn up to $25 back as a statement credit each anniversary year after buying FareLock on a United or United Express operated flight.

Other credits
  • $120 a year $10 every month
    What counts

    Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your card. Terms apply. Benefits end 12/31/27.

Monthly credits to track fewer is less work
2
Certificates and passes 2 lounge passes, 2 upgrades with spend, about $100 a year
Values are our estimate of what each certificate typically saves. Certificates expire, so their value depends on using them in time.
Lounge passes
  • 2 x United Club one-time passes each card year, about $100 a year
Upgrades
  • 2 x Economy Plus seat upgrades after $25,000 spend Continental U.S. flights
Yearly value certificates that arrive each card year
about $100
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel 1 lounge benefit
Other status perks
  • Earn 1 Premier Qualifying Point (PQP) for every $20 in net purchases, up to a maximum of 4,000 PQP within the calendar year, applying toward Premier status qualification.
Airport lounges
  • Receive 2 United Club one-time passes per year, after account opening and on each anniversary, over a $100 value per year. $100
Travel benefits
  • Primary Cardmember and companions on the same reservation are invited to board United operated flights prior to general boarding.
  • Primary Cardmember and one traveling companion can each check a first standard bag for free, saving up to $200 per roundtrip.
  • Complimentary Visa Signature Concierge Service 24 hours a day for tickets, dinner reservations, and gifts.
  • Save 10% or more when booking flights with miles; Premier members save at least 15% fewer miles than non-cardmembers.
Protection and insurance 6 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Trip delay
  • Covered for unreimbursed expenses such as meals and lodging up to $500 per covered traveler if common carrier travel is delayed more than 12 hours.
  • Reimburses up to $100 a day for up to 3 days for essential purchases when baggage is delayed over 6 hours.
Baggage
  • Reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
Rental car
  • Coverage is primary for business rentals, reimbursement up to $60,000 for theft and collision damage on most rental vehicles with MSRP of $125,000 or less.
Extended warranty
  • Extends manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less, up to four years from purchase date.
Purchase protection
  • Covers eligible new purchases for 120 days from purchase date against damage or theft up to $10,000 per item.
Other coverage
  • Reimbursed up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares if trip is canceled or cut short by sickness, severe weather or other covered situations.
  • Break up eligible purchases of $100 or more into equal monthly payments with a fixed monthly fee instead of interest, 3-24 month durations.
Lifestyle and other perks 4 perks
Other perks
  • Employee cards at no additional cost, allowing individual spending limits and faster rewards earning.
  • 5,000-mile better-together anniversary bonus when you have the United Business card and a personal United credit card.
  • Earn 10,000 bonus miles for each friend approved for any United MileagePlus Card, up to 100,000 bonus miles per year.
  • 3 months of complimentary Instacart+ membership, then automatically enrolled at 25% off the annual rate. Benefits end 12/31/27.
Employee cards Free
Cost
Employee cards are free.
Each one gets
  • Auto rental coverage
  • Baggage delay insurance
  • Extended warranty protection
  • Lost luggage reimbursement
  • Purchase protection
  • Trip cancellation and interruption insurance
  • Trip delay reimbursement
Application rules 5/24
Issuer approval rules
  • 5/24 Community-reported
    What counts

    Chase generally declines applicants who have opened 5 or more credit cards from any issuer in the past 24 months.

Bonus eligibility
Not listed
Card type
Business