United Business Card
$150 annual fee · $620/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Travel | 2x | uncapped |
| Gas | 2x | uncapped |
| Dining | 2x | uncapped |
| Office supply | 2x | uncapped |
| Transit | 2x | uncapped |
| Everything else | 1x | uncapped |
| Flights at United only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
8x | uncapped |
See how it ranks: best travel cards · best gas cards · best dining cards · best transit cards.
Signup bonus: 100,000 points after $5,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.
Statement credits — $620/yr on paper
| Credit | Value | How it pays |
|---|---|---|
| United TravelBank cash | $125/year | annual |
| United Hotels statement credit | $100/year | annual · resets on your card anniversary |
| Rideshare credit | $100/year | annual · enrollment required |
| Avis/Budget TravelBank cash | $50/year | annual · resets on your card anniversary |
| Instacart credit | $120/year | monthly · enrollment required |
| JSX statement credit | $100/year | annual · resets on your card anniversary |
| FareLock statement credit | $25/year | annual · resets on your card anniversary |
| Inflight and United Club premium drink rebate | $0/year | annual |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- First checked bag free for cardholder + 1 companion on same reservation, each way
- Priority boarding (after Premier Access, before general boarding)
- 2 United Club one-time passes deposited annually
- 1 PQP per $20 spent, capped at 4,000 PQP/calendar year toward Premier elite status
- 2 Economy Plus upgrade certificates after $25,000 calendar-year spend
- 5,000-mile 'better-together' anniversary bonus if also holding a personal United credit card
- Save 10%+ on award flights booked with miles
Does the fee earn out?
The printed statement credits ($620/yr) cover the $150 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.
Is this $150 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Comparing cards in the same currency? See the best cards that earn United miles →
More from Chase
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: creditcards.chase.com. Spot an error? Tell us.