Chase United Club Business
$695/year, earning United MileagePlus Miles, on the Visa network.
Card terms last verified against issuer pages on 2026-09-20.
The Chase United Club Business is a $695/year card from Chase earning United MileagePlus Miles. It earns 5x on hotel(united), 2x on united airlines and 1.5x on everything else. It carries 7 recurring statement credits worth $970 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 United MileagePlus Miles and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Hotel(United) | 5x | |
| United Airlines | 2x | |
| Other | 1.5x | Everything else |
Statement credits
$970 a year across 7 credits against a $695 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 |
|---|---|---|
| DashPass Membership (1 year)One year complimentary DashPass membership for DoorDash with $0 delivery fees and reduced service fees on eligible orders. | Once a year | ~$96 |
| 5,000-Mile Anniversary BonusEarn a 5,000-mile better-together anniversary bonus when you have both the United Club Business Card and a personal United credit card. | Once a year | ~$65 |
| 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. | Once a year | — |
Status and included memberships
- Avis President's Club Membership — Complimentary Avis President's Club membership with benefits including upgrades and expedited service.
- Priority Boarding — Primary cardmember and companions on same reservation get priority boarding on United-operated flights prior to general boarding.
- United Club Membership — Unlimited access to over 45 United Clubs worldwide. Includes one adult guest and dependent children under 18 per visit.
- Free First & Second Checked Bags — Primary cardmember and one companion each receive first and second standard checked bags free on United-operated flights.
Questions people ask about the Chase United Club Business
What is the annual fee on the Chase United Club Business?
The Chase United Club Business has a $695 annual fee.
What statement credits does the Chase United Club Business include?
It carries 7 recurring statement credits worth $970 a year in total: $20 Monthly Instacart Credit ($20 monthly, resets on the cardmember year); $200 Renowned Hotels Credits ($200, resets on the cardmember year); $200 JSX Credits ($200, resets on the cardmember year); $12 Monthly Ride-Hailing Credit ($12 monthly, resets on the cardmember year); $100 Avis/Budget Credits ($100, resets on the cardmember year); $50 FareLock Credit ($50, resets on the cardmember year); Global Entry/TSA PreCheck Credit ($30, resets on the cardmember year). Verified 2026-09-20.
What does the Chase United Club Business earn?
5x on hotel(united), 2x on united airlines, 1.5x on other, and 1.5x on everything else, in United MileagePlus Miles.
Is the Chase United Club Business worth the annual fee?
Its recurring statement credits total $970 a year against a $695 fee, so the card pays for itself on credits alone if you use 72% 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 Club Business charge foreign transaction fees?
No — the Chase United Club Business has no foreign transaction fee.
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