Built for small business owners who fly United with some regularity, the United℠ Business Card is strongest as an airline loyalty card rather than a general business spending card. It makes the most sense for companies that want better United trip benefits, a solid welcome offer, and a handful of travel credits without stepping up to a much pricier premium card.
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Terms Apply. For rates and fees of United℠ Business Card, please visit the Chase website.
United flight purchases
Priority airport perks
Recurring travel credits
This card is worth it for business owners who already book United several times a year and will actually use the airline-specific perks. Priority boarding, Premier Access services, free Club passes each year, inflight savings, and the potential for United TravelBank and rideshare credits can go a long way toward covering the $150 annual fee. The welcome offer is also a strong reason to consider it if you want to build a MileagePlus balance quickly.
It is a weaker fit if your business wants one card for broad everyday spending. Outside a few 2x categories, the rewards structure is fairly narrow, and many of the statement credits require specific booking habits or monthly use. If you do not prefer United or you spread your flights across airlines, a more flexible business travel card will usually be easier to justify.
A good fit for business owners who are meaningfully invested in United and want practical travel perks at a moderate annual fee. If United is not your main airline, the value drops quickly and the rewards are not strong enough on their own to carry the card.
Earn 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
What 102,000 Miles could be worth, based on how you redeem
Required Spend
$5,000
Time Frame
3 Months
Required Spend
$5,000
Time Frame
3 Months
What's your average monthly spend?
You should easily hit the bonus threshold with this spend!
Rewards percent based on a valuation of 1¢ per MileagePlus mile
This card earns MileagePlus miles, so the rewards story is tied closely to how often you fly United and how much you value airline miles over flexible points or cash back. The strongest returns are on United purchases, with a few everyday business-friendly 2x categories that can help between trips.
United flights
Dining, Gas stations, Office supply stores, Transit
United purchases
Everywhere
Est. Annual Rewards
The real value here comes from the travel experience and the credits, not just the miles. As you look through the benefits, focus on the ones you would realistically use each year, especially the United travel credits, airport perks, and protections tied to business travel.
Enrollment is required for select benefits
Our app automatically tracks valuable credits so you don't miss any rewards.
Up to $120 in Instacart credits5,000-mile better-together anniversary bonus
You'll receive 5,000 bonus miles each year on your United℠ Business Card anniversary when you have both the United Business card and a personal Chase United credit card.
25% back on United inflight and Club premium drink purchases
Enjoy 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flights as well as on premium drink purchases at United Clubs when you pay with your United card.
Trip Cancellation and Interruption Insurance
You can be reimbursed up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.
Baggage Delay Insurance
Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
Trip Delay Reimbursement
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.
Lost Luggage Reimbursement
Provides 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.
Travel and Emergency Assistance
If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained.)
Premier Access® Travel Services
Start your journey stress-free by avoiding long lines and getting early access to overhead bins. Priority check-in, security screening, boarding and baggage handling privileges (where available).
3-Month Complimentary Instacart+ Membership
Get complimentary Instacart+ Membership for three months, including unlimited deliveries with $0 delivery fees on eligible orders. After that, you're automatically enrolled in Instacart+ at 25% off the annual rate. Service fees and terms apply. Benefits end 12/31/27.
Priority Boarding
Get on board early and make yourself comfortable. It’s a great start to every United flight. The primary Cardmember, and companions on the same reservation, will be invited to board United operated flights prior to general boarding.
Complimentary DashPass Membership
$0 delivery fees on eligible orders from DoorDash and Caviar after activating by 12/31/27.
2 United Club℠ One-Time Passes Annually
Start your trip off right at the United Club. Enjoy a little relaxation and complimentary snacks before takeoff. Plus, take advantage of more amenities like workspaces, free Wi-Fi and more. All made possible with two United Club one-time passes, which will be deposited into your MileagePlus account after account opening and each year for your Cardmember anniversary.
Auto Rental Coverage
Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Annual Fee
$150
Purchase APR
19.74% - 28.24%
Variable
Transfer APR
19.74% - 28.24%
Variable
Cash Advance APR
28.49%
Variable
Foreign Transaction Fee
None
Balance Transfer
$5
Cash Advance
$15
Late Payment
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn 200,000 bonus points
Worth $2,500
After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
Annual Fee
$795
Rec. Credit
Good
Terms apply.
See rates & fees.Earn 100,000 bonus points
Worth $1,250
After you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Rec. Credit
Good
Terms apply.
See rates & fees.Earn 100,000 bonus points
Worth $1,250
After you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$795
Rec. Credit
Excellent
Terms apply.
See rates & fees.
