Chase United Business
$150/year, on the Visa network.
Card terms last verified against issuer pages on 2026-09-20.
The Chase United Business is a $150/year card from Chase. It earns 2x on united airlines, 2x on dining, 2x on gas and 1x on everything else. It carries 6 recurring statement credits worth $520 a year, listed in full below with the cap and reset date for each.
What it earns
Rates are the multipliers Chase advertises. We do not convert them into a percentage return, because that requires putting a price on the rewards currency and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| United Airlines | 2x | |
| Dining | 2x | |
| Gas | 2x | |
| Office Supply | 2x | |
| Transit | 2x | |
| Other | 1x | Everything else |
Statement credits
$520 a year across 6 credits against a $150 annual fee. The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| 5,000-Mile Anniversary BonusEarn a 5,000-mile better-together anniversary bonus when you have both the United Business Card and a personal United credit card. | Once a year | ~$65 |
| Instacart+ Membership (3 months)Complimentary 3-month Instacart+ membership. After 3 months you will be auto-enrolled in Instacart+ at 25% off the monthly rate. | Once a year | ~$30 |
| 25% Back on United PurchasesReceive 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your United Business Card. | Once a year | — |
Status and included memberships
- 2 United Club One-Time Passes — Two United Club one-time passes per year after account opening and each anniversary. Relax in comfort while waiting for your flight with complimentary beverages, snacks, high-speed Wi-Fi and more.
- Free First Checked Bag — Primary cardmember and one companion each receive first standard checked bag free on United-operated flights when primary cardmember includes MileagePlus number in reservation and purchases tickets with card.
- Priority Boarding — Primary cardmember and companions on same reservation get priority boarding on United-operated flights prior to general boarding.
Questions people ask about the Chase United Business
What is the annual fee on the Chase United Business?
The Chase United Business has a $150 annual fee.
What statement credits does the Chase United Business include?
It carries 6 recurring statement credits worth $520 a year in total: $125 United TravelBank Cash ($125, resets on the cardmember year); $10 Monthly Instacart Credit ($10 monthly, resets on the cardmember year); $100 United Hotels Credits ($100, resets on the cardmember year); $8 Monthly Ride-Hailing Credit ($8 monthly, resets on the cardmember year); $50 Avis/Budget Credits ($50, resets on the cardmember year); $25 FareLock Credit ($25, resets on the cardmember year). Verified 2026-09-20.
What does the Chase United Business earn?
2x on united airlines, 2x on dining, 2x on gas, 2x on office supply, and 1x on everything else.
Is the Chase United Business worth the annual fee?
Its recurring statement credits total $520 a year against a $150 fee, so the card pays for itself on credits alone if you use 29% of them. Whether that holds depends on whether the specific merchants suit you — the credit table on this page lists each one.
Does the Chase United Business charge foreign transaction fees?
No — the Chase United Business has no foreign transaction fee.
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