Credit calendar

Chase United Business credits

Every recurring credit on the Chase United Business, with the cap, cycle and reset date that decide whether you actually capture it.

Card terms last verified against issuer pages on 2026-09-20.

The short answer

The Chase United Business carries 6 recurring statement credits worth $520 a year. 0 reset on the calendar year and expire on 31 December; 6 reset on your account anniversary. 2 are capped monthly and cannot be carried forward.

$520face value a year, against a $150 fee

0expire on 31 December

2capped monthly or quarterly, so they cannot be carried forward

Resets on the calendar year, expiring 31 December

Resets on your cardmember year

Credit

Windows in a year

Each

A year

$125 United TravelBank Cash Earn $125 in United TravelBank cash after making 5 United flight purchases of $100+ within a calendar year. Must pay with your United Business card.

Once a year, resets on the cardmember year

$125

$10 Monthly Instacart Credit Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Business Card. Terms apply.

Monthly, resets on the cardmember year

$10

$120

$100 United Hotels Credits Receive $50 back as a statement credit on your 1st and 2nd prepaid hotel stays purchased directly through United Hotels with your United Business Card, up to $100 each anniversary year.

Once a year, resets on the cardmember year

$100

$8 Monthly Ride-Hailing Credit enrol first Enroll to receive up to $8 back as a statement credit each month ($12 in December) on ride-hailing purchases when you pay with your United Business Card, up to $100 each calendar year. Yearly opt-in is required.

Monthly, resets on the cardmember year

$100

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

Once a year, resets on the cardmember year

$50

$25 FareLock Credit Receive up to $25 statement credit when your card is used on FareLock purchases for flights operated by United and United Express annually.

Once a year, resets on the cardmember year

$25

The monthly credits are the ones people lose

$10 Monthly Instacart Credit, $8 Monthly Ride-Hailing Credit are capped per month. An unused month does not roll forward, so the annual figure the card is marketed on assumes you spend at those specific merchants every single month. Most people do not, which is the single biggest gap between a premium card's advertised credit value and what it is worth to you.

Questions people ask

When do the Chase United Business credits reset?

All 6 reset on your cardmember year — that is, your account anniversary date, not 1 January.

Which Chase United Business credits require enrolment?

1 of 6: $8 Monthly Ride-Hailing Credit. Enrolment is not retroactive at most issuers, so a purchase made before you enrol usually will not be credited.

How much are the Chase United Business credits worth in total?

$520 a year at face value, against a $150 annual fee. That is the sum of the caps, not what a typical cardholder captures — 2 of them are monthly and expire unused each month, and each is restricted to specific merchants.

Verified 2026-09-20. See the full Chase United Business page, or every credit across every card.