United Business Card
| Annual fee | $150 Fact |
| Foreign transaction fee | None |
| Rewards currency | United MileagePlus miles |
| Est. point value | 1.20¢ Estimate |
Last updated Oct 11, 2026
Checked Oct 27, 2026
Before you apply
General Chase policies as commonly reported by applicants, not a prediction about your application.
Sign-up bonus history
5-year best: 150,000 milesView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Oct 2021 to Jan 2022 · 3 mo | 75,000 miles | $5,000 |
| Jan 2022 to Dec 2022 · 10 mo | 150,000 miles Best | $20,000 |
| Dec 2022 to Aug 2023 · 8 mo | 75,000 miles | $5,000 |
| Aug 2023 to Apr 2024 · 8 mo | 50,000 miles | $5,000 |
| Apr 2024 to Mar 2025 · 11 mo | 75,000 miles | $5,000 |
| Mar 2025 to Jun 2025 · 2 mo | 100,000 miles | $5,000 |
| Jun 2025 to Aug 2025 · 2 mo | 75,000 miles | $5,000 |
| Aug 2025 to Apr 2026 · 8 mo | 100,000 miles | $5,000 |
| Apr 2026 to Sep 2026 · 5 mo | 110,000 miles | $5,000 |
| Sep 2026 to Sep 2026 · 3 days | 100,000 miles plus 2,000 Premier qualifying points (PQP), 10,000 bonus miles after adding an employee card in the first 3 months | $5,000 |
| Sep 2026 to Oct 2026 · 8 days | 100,000 miles plus 2,000 Premier Qualifying Points (PQP), 10,000 bonus miles after adding an employee card | $5,000 |
| Oct 2026 to Oct 2026 · 10 days | 100,000 miles plus 2,000 Premier Qualifying Points (PQP), 10,000 bonus miles for adding an employee card | $5,000 |
| Oct 2026 to now · 19 days | 90,000 miles plus 2,000 Premier Qualifying Points (PQP), 10,000 bonus miles for adding an employee card | $5,000 |
Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Office supplies | 2x | n/a | No cap |
| Gas and EV charging | 2x | miles | No cap |
| Restaurants | 2x | miles | No cap |
| Transit and rideshare | 2x | miles | No cap |
| Brand purchases | 2x | miles | No cap |
| Everything else | 1x | miles | No cap |
Recurring credits
Estimated value| Receive $125 in United TravelBank cash after making 5 United flight purchases of $100 or more each calendar year. Shared across the account
|
$125/yr (Calendar Year) |
| 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. Shared across the account
|
$120/yr (Monthly) |
| Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX. Shared across the account
|
$100/yr (Anniversary) |
| 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. Shared across the account
|
$100/yr (Monthly) |
| Up to $100 in credits annually on prepaid hotel stays purchased directly through United Hotels. Shared across the account
|
$100/yr (Calendar Year) |
| 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. Shared across the account
|
$50/yr (Anniversary) |
| Earn up to $25 back as a statement credit each anniversary year after buying FareLock on a United or United Express operated flight. Shared across the account
|
$25/yr (Anniversary) |
Credit value depends on whether you use each credit; treat these as potential value.
Certificates
Estimated value| 2 x United Club one-time passes | $100/yr |
| 2 x Economy Plus seat upgrades after $25,000 spend Continental U.S. flights |
after $25,000 spend |
Values are our estimate of what each certificate typically saves. Certificates expire, so their value depends on using them in time.
Benefits & protections
Card factsReceive 2 United Club one-time passes per year, after account opening and on each anniversary, over a $100 value per year.
Earn 2 continental U.S. Economy Plus seat upgrade certificates after spending $25,000 or more on purchases each calendar year; upgrades valid for 12 months from issue date.
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.
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.
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.
Covers eligible new purchases for 120 days from purchase date against damage or theft up to $10,000 per item.
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.
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.
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.
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.
Reimburses up to $100 a day for up to 3 days for essential purchases when baggage is delayed over 6 hours.
Break up eligible purchases of $100 or more into equal monthly payments with a fixed monthly fee instead of interest, 3-24 month durations.
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 on the United Business
Card factsEmployee cards are free.
Each employee card gets
- Auto rental coverage
- Baggage delay insurance
- Extended warranty protection
- Lost luggage reimbursement
- Purchase protection
- Trip cancellation and interruption insurance
- Trip delay reimbursement
Shared across the account
- Avisbudget car rental credit
- Back on inflight and Club premium drink purchases
- Farelock credit
- Instacart credit
- Jsx purchase credit
- Rideshare credit
- United hotels credit
- United travel credit
Primary cardmember only
- Better together anniversary bonus
- Economy plus seat upgrades
- Premier qualifying points earning
Only when traveling with you
- Free first checked bag
- Priority boarding
News on this card
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