United℠ Business Card
Issued by Chase
Rates verified August 2026
Welcome Bonus
Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP) - earn 100,000 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 authorized user to your account in the first 3 months your account is open.
Rewards Rate
1x miles · up to 2x on Dining
Annual Fee
$150
Recommended Credit Score
excellent
You'll be taken to the issuer's secure application
Rewards Program
1x miles · up to 2x on Dining
Welcome Offer
Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP) - earn 100,000 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 authorized user to your account in the first 3 months your account is open.
Annual Fee
$150
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
None
Recommended For
Dining, Gas Stations, Office Supplies, Transit
Why We Recommend This Card
2.0% on Dining
2.0% on Gas Stations
2.0% on Office Supplies
Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP) - earn 100,000 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 authorized user to your account in the first 3 months your account is open.
$125 United travel credit
Receive $125 in United® TravelBank cash after making 5 United® flight purchases of $100 or more each calendar year with your United Business Card.
2 United Club℠ one-time passes
after account opening and on each anniversary ' over a $100 value per year. For an updated status on United Club locations and any temporary closures, please visit.
25% back on United inflight and Club premium drink purchases
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.
5,000-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 card.
5,000-mile better-together bonus
You'll receive a 5,000-mile better-together bonus each year when you have the United Club Business card and a personal United credit card.
DoorDash
Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Earn 2 continental U.S. Economy Plus® seat upgrades
Enjoy extra legroom on your next United® - or United Express® - operated flight: Earn 2 continental U.S. Economy Plus seat upgrades after spending $25,000 on purchases each calendar year with your United? Business Card.
Earn up to 4,000 Premier® qualifying points (PQP)
You’ll earn 1 PQP for every $20 you spend on purchases with your Business Card, up to 4,000 PQP in a calendar year. This can be applied toward your Premier® status qualification.
Extended Warranty Protection
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Free first checked bag
The primary Cardmember and one companion traveling on the same reservation will each receive their first standard checked bag free (up to $35 value, each way, per person) on United-operated flights when the primary Cardmember includes their United MileagePlus® number in their reservation and purchases their tickets from United with their card. For complete details, please visit.
Lost Luggage Reimbursement
If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Priority Boarding
The primary Cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.
The Luxury Hotel & Resort Collection
This exceptional group of over 1,000 properties includes many of the world's most exquisite hotels, resorts, lodges and spas, each of which extend you complimentary Cardmember benefits with every stay. Make a reservation through the program using your Chase card to receive the following benefits including daily breakfast for two, a special benefit unique to each property, such as a dining or spa credit, complimentary Wi-Fi, a room upgrade, if available, and early check-in and late checkout, if available. Please visit for more information.
Up to $100 in credits on JSX purchases annually
Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX using your United Business Card. JSX is a hop-on jet service that offers a semi-private flying experience at commercial fares. To learn more, visit united.com/JSX.
Up to $100 in credits on rideshare purchases
Enroll to receive up to $100 back as statement credits each calendar year on rideshare purchases when paying with your UnitedSM Business Card: $8 back as a statement credit each month from January through November and up to $12 back for the month of December. Yearly opt-in is required.
Up to $100 in United® Hotels credits
Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United® Hotels with your UnitedSM Business Card, up to $100 each anniversary year.
Up to $120 in Instacart credits
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. Benefits end 12/31/27.
Up to $25 in credits on United FareLock purchases
Earn up to $25 back as a statement credit each anniversary year after you buy FareLock with your United? Business Card on a United - or United Express® - operated flight. Use FareLock to hold a seat on your flight for a set price for 3, 7, or 14 days and your ticket price won't go up during the hold period. To learn more about FareLock, visit united.com/FareLock.
Up to $50 in United travel credits on Avis or Budget car purchases
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.
Network benefits (Visa) — 19 standard protections
Auto Rental Collision Damage Waiver
Auto Rental Collision Damage Waiver (ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.
Auto Rental Collision Damage Waiver
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 the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.
Baggage Delay Insurance
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Booking.com
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
Golf Benefits from Troon Rewards®
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Lost Luggage Reimbursement
Lost Luggage Reimbursement will reimburse you up to $3,000 If your checked luggage or carry on baggage is lost due to theft or misdirection by the common carrier (e.g., airline, rail, bus, ferry). For New York residents coverage is limited to $2,000 per bag.
OpenTable
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Purchase Protection
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Purchase Security and Extended Protection
Purchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
Roadside Dispatch®
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Travel Accident Insurance
Travel Accident Insurance provides accidental death and dismemberment coverage. Coverage is in effect on the common carrier (e.g., flight, rail, bus, ferry, cruise ship), as well as while on courtesy ground transportation to and from the airport (or train depot, bus, terminal, etc.) and between terminals, as well as when you are at the airport immediately before departure, or immediately after arrival, on any covered trip.
Travel and Emergency Assistance Services
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Trip Cancellation and Interruption
You can be reimbursed up to $1,500 per person 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 and other covered situations.
Trip Delay Reimbursement
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
Visa Concierge
Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
Visa Signature Concierge
Get assistance with travel planning, entertainment tickets and more.
Visa Signature Luxury Hotel Collection
Enjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Visa Signature Rental Car Privileges
Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
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