United Business Card
Issuer link: RewardZ earns nothing if you apply through it. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Issuer link: RewardZ earns nothing if you apply through it. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn 90,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an employee card to your account in the first 3 months your account is open.
Benefits and fees last verified May 2026against the issuer's published terms.
Strong United business card. The free checked bag for two travelers, two club passes, and the under-the-radar $50/twice-per-year hotel credit help cover the $150 AF for any United-leaning small business. The 90k + 2,000 PQP bonus is the sweetener. Post-2025 refresh swapped the old $100/$10k-spend credit for a $125 travel credit unlocked by 5 United flight purchases of $100+.
Earning Rates
At a glance
- $125 credit after 5 UA flights $100+
- $50 hotel credit 2x/year
- Free checked bag (you + 1)
- 2 United Club passes/yr
Earning rates
3- 8x
8x total miles per dollar on eligible United purchases when booking standard United fares, structured as 6x miles per dollar earned on the primary cardmember's fare as a MileagePlus member plus 2x miles per dollar earned on the entire United purchase with the card; basic economy and base-option fares earn at lower rates, and Premier members earn even more (per Chase issuer page)
- 2xflights
2x miles per dollar on all other eligible United purchases beyond standard flights (such as Economy Plus, baggage fees, inflight food and beverage, and other United-direct charges) (per Chase issuer page)
- 2xdining
2x miles per dollar at restaurants worldwide including eligible delivery services, at gas stations, at office supply stores, and on local transit and commuting purchases such as taxicabs, mass transit, tolls, and ride-share services; 1x mile per dollar on all other purchases (per Chase issuer page and Chase earn-rewards page)
Statement credits
10- $100Ride Share CreditMonthly
Up to $8/month rideshare credit Jan-Nov plus $12 in December. $100/calendar year cap.
- $100Hotel CreditTwice a year
$50 statement credit on each of your first and second prepaid hotel stays through United Hotels per anniversary year. $100/year cap.
- $125United Travel CreditYearly
$125 United travel credit each calendar year, unlocked after 5 United flight purchases of $100+ each. Replaces the legacy $100/$10k-spend credit (post-2025 refresh).
- $118United Club PassesYearly
2 single-visit United Club passes annually (editorial value 2 × $59)
- 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on board United-operated and United Express-operated flights, on Wi-Fi subscriptions, and on United Club premium drink purchases when paid with the card (per Chase earn-rewards page)
- $100Up to $100 in United Hotels statement credits each anniversary year, delivered as $50 back on the first and $50 back on the second prepaid hotel stay purchased directly through United Hotels with the card (per Chase earn-rewards page)
- $50Up to $50 each anniversary year in United TravelBank cash for Avis or Budget car rentals booked directly through cars.united.com and paid with the card ($25 on the first plus $25 on the second qualifying rental), plus up to $25 each anniversary year as a statement credit on FareLock purchases made with the card on a United-operated or United Express-operated flight (per Chase earn-rewards page)
- $100Up to $100 each anniversary year as a statement credit when booking flights directly with JSX, the semi-private hop-on jet service that United owns a stake in, using the United Business Card (per Chase earn-rewards page and One Mile at a Time review)
- $100Up to $100 each calendar year in rideshare statement credits (enrollment required), delivered as $8 back as a statement credit each month from January through November and up to $12 back for December when paying with the card; promotion runs through 12/31/2027 (per Chase earn-rewards page)
- $120Up to $120 in Instacart statement credits each calendar year, delivered as up to $10 per month on Instacart purchases paid with the card, plus a complimentary 3-month Instacart+ membership; promotion runs through 12/31/2027 (per Chase issuer page and Chase earn-rewards page)
Perks & memberships
7- Airline perkPremier Access priority boarding for the cardmember and traveling companions on the same reservation on United-operated flights, provided the MileagePlus number is in the reservation (per Chase earn-rewards page)
- Authorized users2 United Club one-time passes per year, issued each anniversary, valued at over $100 per pass; passes admit the cardmember or an employee cardholder, or guests accompanied by them, to a United Club location subject to United Club terms (per Chase earn-rewards page)
- Anniversary5,000 better-together anniversary bonus miles each year on the card anniversary when the primary cardmember holds both the United Business Card and a personal Chase United credit card simultaneously (per Chase earn-rewards page)
- Status earning1 Premier Qualifying Point (PQP) for every $20 in net purchases on the card (including authorized-user purchases), up to 4,000 PQP per calendar year, applied toward MileagePlus Premier status tiers through Premier 1K (per Chase earn-rewards page and One Mile at a Time review)
- Status earningExpanded MileagePlus award availability for cardmembers, with access to additional EveryDay Award level seats on United-operated flights and no blackout dates on award bookings; MileagePlus miles never expire while you remain a cardmember and can be redeemed across Star Alliance member airlines, car rentals via Cars.MileagePlus.com, hotels via Hotels.MileagePlus.com, and merchandise via MileagePlusAwards.com (per Chase earn-rewards page and One Mile at a Time review)
- Authorized usersEmployee cards at no additional annual fee, with individual employee spending limits available and all employee-purchase miles accruing to the primary account (per Chase earn-rewards page)
- No foreign feesNo foreign transaction fees on purchases made outside the United States (per Chase earn-rewards page; a $5,000 international spend would otherwise incur $150 in foreign transaction fees on a typical 3 percent card)
Travel & purchase protections
4- Primary auto rental collision damage waiver for business rentals: decline the rental company's collision insurance and charge the entire rental to the card to receive primary coverage up to $60,000 for theft and collision damage on most rental vehicles with an MSRP of $125,000 or less (per Chase earn-rewards page)
- Trip cancellation and interruption insurance up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares when a trip is canceled or cut short by sickness, severe weather, or other covered situations, plus trip delay reimbursement up to $500 per covered traveler for unreimbursed expenses such as meals and lodging when common-carrier travel is delayed more than 12 hours or requires an overnight stay (per Chase earn-rewards page)
- Baggage delay insurance up to $100 per day for up to 3 days for essential purchases when checked baggage is delayed more than 6 hours, plus lost luggage reimbursement up to $3,000 per covered traveler for checked or carry-on baggage that is lost, damaged, or stolen during a covered trip (per Chase earn-rewards page)
- Purchase protection covers eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item, plus extended warranty protection that adds one additional year to eligible U.S. manufacturer warranties of 3 years or less (up to 4 years total coverage from the date of purchase) (per Chase earn-rewards page)
More benefits & fine print (3)ShowHide
- Free first standard checked bag on United-operated and United Express-operated flights for the primary cardmember and one companion traveling on the same reservation when the ticket is purchased with the card and the MileagePlus number is in the reservation (up to a $40 value per checked bag, per direction, per person; codeshare partner flights excluded) (per Chase earn-rewards page)
- Up to $125 in United TravelBank cash each calendar year after making 5 United flight purchases of $100 or more on the card, posted to the MileagePlus account within 24 hours of the fifth qualifying purchase (per Chase issuer page and Chase earn-rewards page)
- Complimentary Premier Upgrades on award tickets: as a MileagePlus Premier member traveling on a MileagePlus award ticket, the cardmember and one companion on the same reservation are eligible for Complimentary Premier Upgrades on select United-operated and United Express-operated flights, subject to availability (per Chase earn-rewards page)
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
How we verified this card (4 sources)ShowHide
Sources last reviewed Oct 2026.
Spotted something off? Report an issue. Read our verification methodology.
How to Earn the Bonus
Spend $5,000 in the first 3 months to earn the 90,000 miles + 2,000 PQP bonus.
See the Current Offer
Earn 90,000 miles + 2,000 PQP
View OfferIssuer link: RewardZ earns nothing if you apply through it. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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