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United℠ Business Card
Welcome Offer
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How to Earn Rewards
8x
Total miles on eligible United flights (6x as MileagePlus member + 2x as cardholder; differs for Basic Economy)
2x
Miles on all other eligible United® purchases, dining, gas stations, office supply stores, and local transit/commuting (including rideshare, taxis, train tickets, tolls)
1x
Mile on all other purchases
Key Benefits
Tap any benefit to see details.
5,000-Mile 'Better Together' Anniversary Bonus (with Personal United Card)
Receive a 5,000-mile anniversary bonus each year when you hold both this card and a personal Chase United credit card. SIGNATURE perk of the United Business Card.
$125 United Travel Credit (After 5 Qualifying Flight Purchases)
$125 United TravelBank credit after making 5 United flight purchases of $100 or more each calendar year with your card. Threshold is 5.
2 United Club℠ One-Time Passes Annually (Over $100 Value)
2 one-time United Club passes per year, usable by primary cardholder, authorized users, or guests traveling with them. Each pass valued ~$59 (United Club one-time pass price), so total ~$118/year value.
Free First Checked Bag (Cardholder + 1 Companion)
Your first checked bag is free for you and one companion on United-operated flights. With checked bag fees now $40 each way, that can save you up to $200 per roundtrip.
Priority Boarding (~$15-25/Flight)
Cardholder + companions on the same reservation board United-operated flights prior to general boarding.
Up to $100 United Hotels Credit (Annual)
$50 statement credit on each of your first 2 prepaid United Hotels bookings each card anniversary year (up to $100 total).
Up to $100 JSX Credit (Annual)
Up to $100 in statement credits each anniversary year for JSX flights (semi-private aviation) booked directly with your card.
Up to $100 Rideshare Credit (Annual)
Up to $100 in rideshare credits per calendar year — $8/month January through November + $12 in December. Enrollment required (yearly opt-in).
Up to $50 Avis/Budget TravelBank Cash
$25 TravelBank cash on first 2 Avis or Budget rentals booked through cars.united.com each year (up to $50 total annually).
Up to $25 FareLock Credit (Annual)
Up to $25 statement credit each anniversary year when you purchase FareLock on a United or United Express-operated flight.
Up to $120 Instacart Credits (Annual)
$10 monthly statement credit for purchases made directly through Instacart (up to $120/year). Available through December 31, 2027.
3 Months Free Instacart+ + 25% Off Annual Rate (Through Dec 31, 2027)
Complimentary 3-month Instacart+ membership, then 25% off annual rate. Less generous than Quest's 50% off or Club's full membership. Available through December 31, 2027.
1,500 PQP Annual Cardholder Bonus (NEW 2026)
Starting in 2026, receive a 1,500 PQP (Premier Qualifying Points) bonus after February 1 each year (your card must be opened by December 31 of the prior year to qualify). Helps accelerate United Premier elite status.
1 PQP per $20 Spent (Up to 4,000 PQP/Year)
Earn 1 PQP for every $20 in card purchases, up to 4,000 PQP per calendar year. Lower cap than Quest's 18K or Club's 28K — but useful additional acceleration on top of the welcome offer's 2K PQP and the 1,500 annual bonus.
2 Economy Plus® Seat Upgrades After $25,000 Calendar Year Spend
After $25,000 in calendar year card spend, earn 2 continental U.S. Economy Plus seat upgrades. Useful spend-tier perk for taller travelers.
10% Off Award Flights Booked With Miles (NEW 2026)
Save 10% or more on flights booked with United miles. Premier members save even more. NEW 2026 benefit added across all United co-branded cards.
25% Back on Inflight Food, Beverages & WiFi
Earn 25% back as a statement credit on inflight purchases of food, beverages, and Wi-Fi on United-operated flights, plus on Club premium drinks.
Trip Cancellation/Interruption + Baggage + Auto Rental + Purchase Protection
Trip cancellation/interruption insurance, baggage delay/lost luggage, auto rental collision damage waiver (secondary), roadside dispatch, purchase protection (120 days), extended warranty protection.
Free Employee Cards
Add unlimited employee cards at no extra cost — earn rewards on their business spending.
Doesn't Report to Personal Credit (5/24 Friendly Post-Approval)
As a Chase business card, this does NOT automatically report to your personal credit report — does NOT count toward Chase's 5/24 rule once approved (though it counts when you APPLY).
No Foreign Transaction Fees
No foreign transaction fees on international purchases.
10,000 Bonus Miles Per Approved Friend Referral
Earn 10,000 bonus miles for each friend approved for any United MileagePlus credit card.
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
This card got more valuable in April 2026 when it added a perk of 10% off (or more) on all United award flights. That discount applies to anyone that you book for with your United miles and savings can add up for a family.
You'll also get a free checked bag and 2 United Club one-time passes per year.
Benefits Calculator
What's the United℠ Business Card worth to you? Get a personalized estimate.
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Benefits Calculator
What's the United℠ Business Card worth to you? Get a personalized estimate.
United℠ Business Card Benefits Calculator
Enter your personal estimated annual value for each benefit to see a customized calculation of the card's worth.
Receive a 5,000-mile anniversary bonus each year when you hold both this card and a personal Chase United credit card. SIGNATURE perk of the United Business Card.
$
$125 United TravelBank credit after making 5 United flight purchases of $100 or more each calendar year with your card. Threshold is 5.
$
2 one-time United Club passes per year, usable by primary cardholder, authorized users, or guests traveling with them. Each pass valued ~$59 (United Club one-time pass price), so total ~$118/year value.
$
Your first checked bag is free for you and one companion on United-operated flights. With checked bag fees now $40 each way, that can save you up to $200 per roundtrip. (per-use benefit — value depends on how often you'll use it)
$
Cardholder + companions on the same reservation board United-operated flights prior to general boarding. (per-use benefit — value depends on how often you'll use it)
$
$50 statement credit on each of your first 2 prepaid United Hotels bookings each card anniversary year (up to $100 total).
$
Up to $100 in statement credits each anniversary year for JSX flights (semi-private aviation) booked directly with your card.
$
Up to $100 in rideshare credits per calendar year — $8/month January through November + $12 in December. Enrollment required (yearly opt-in).
$
$25 TravelBank cash on first 2 Avis or Budget rentals booked through cars.united.com each year (up to $50 total annually).
$
Up to $25 statement credit each anniversary year when you purchase FareLock on a United or United Express-operated flight.
$
$10 monthly statement credit for purchases made directly through Instacart (up to $120/year). Available through December 31, 2027.
$
Complimentary 3-month Instacart+ membership, then 25% off annual rate. Less generous than Quest's 50% off or Club's full membership. Available through December 31, 2027. (one-time benefit)
$
Your Total Annual Value
$0
Annual Fee: annual_fees
Your Net Value / Cost
$0
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| Up to 110,000 Miles + 2,000 PQPCurrentElevated | $5,000 in 3 months + add employee card | Current limited-time elevated; ends May 20, 2026 |
| 50,000 Miles | $5,000 in 3 months | Lower historical offer |
| 75,000 Miles | $5,000 in 3 months | Long-running historical standard offer |
| 100,000 MilesElevated | $5,000 in 3 months | Ended April 2024 |
| 125,000-135,000 Miles (with promo code/auth user)Elevated | $5,000 in 3 months | Ended June 2025 |
| 150,000 Miles (75K + 75K Tier)Elevated | $5,000 in 3 months + $20K total in 6 months | Best-ever; 2024-2025 |
