# United℠ Business Card

> Earn up to 2x on dining and 2x on travel. $616+ in statement credits per year. $150 annual fee.

Canonical page: https://cardstack.money/cards/united-business-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: Chase
- Network: Visa
- Annual fee: $150
- Rewards program: MileagePlus (https://cardstack.money/programs/mileageplus.md)
- Total statement credits value: $616 per year
- Net value after annual fee: +$466 per year (credits value minus fee)
- Welcome offer: Earn up to 110,000 bonus miles plus 2,000 Premier qualifying points (PQP): 100,000 bonus miles plus 2,000 PQP after you spend $5,000 on purchases in the first 3 months, plus 10,000 bonus miles after you add an employee card in the first 3 months.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 2x | Dining |  |
| 2x | United flights |  |
| 2x | Gas & EV Charging |  |
| 2x | Office Supplies |  |
| 2x | Transit |  |
| 1x | All other purchases | Base earn rate |

## Statement credits

### United Travel Credit - $125/yr ($125 annual)

Up to $125 United travel credit after making 5 United flight purchases of $100 or more each calendar year.

- Resets: After 5 United flight purchases of $100+
- Where to redeem: United flights
- Details: https://cardstack.money/benefits/united-business-card-united-travel-credit.md

### Rideshare Credit - $96/yr ($8 monthly)

Up to $100 per year in rideshare credits. Yearly opt-in required.

- Resets: $8 Jan–Nov, $12 Dec
- Enrollment required: yes
- Where to redeem: Rideshare – yearly opt-in
- Details: https://cardstack.money/benefits/united-business-card-rideshare-credit.md

### United Hotels Credit - $100/yr ($50 semi-annual)

Up to $100 per year in United Hotels credits (two $50 credits).

- Resets: Card anniversary year
- Where to redeem: United Hotels
- Details: https://cardstack.money/benefits/united-business-card-united-hotels-credit.md

### FareLock Credit - $25/yr ($25 annual)

Up to $25 statement credit after purchasing FareLock on a United flight.

- Resets: Card anniversary year
- Where to redeem: United FareLock purchase
- Details: https://cardstack.money/benefits/united-business-card-farelock-credit.md

### Avis/Budget Credit - $50/yr ($25 semi-annual)

Up to $50 per year in United Travel Bank credits for Avis and Budget.

- Resets: Card anniversary year
- Where to redeem: Avis and Budget – United Travel Bank
- Details: https://cardstack.money/benefits/united-business-card-avisbudget-credit.md

### JSX Flight Credit - $100/yr ($100 annual)

Up to $100 in statement credits annually for eligible JSX flight purchases.

- Resets: Card anniversary year
- Where to redeem: JSX flights
- Details: https://cardstack.money/benefits/united-business-card-jsx-flight-credit.md

### Instacart Credit - $120/yr ($10 monthly)

Up to $120 per year ($10 per month) in Instacart statement credits.

- Resets: 1st of each month
- Enrollment required: yes
- Where to redeem: Instacart
- Details: https://cardstack.money/benefits/united-business-card-instacart-credit.md

## Featured benefits

- **United Club One-Time Passes** (Two annual lounge passes): Two United Club one-time passes deposited after account opening and each card anniversary; primary cardmember or authorized user must be present with a same-day United, Star Alliance, or partner boarding pass.

## Other benefits

- **Free first checked bag for the primary cardmember and one companion on the same reservation**: Free or discounted checked bags when you meet airline and ticketing rules; see carrier terms.
- **Priority boarding**: Preferred boarding group when flying the named airline on eligible tickets; terms apply.
- **25% back on United inflight and Club premium drink purchases**: Savings or credits on eligible inflight or Wi-Fi purchases; caps and merchants per issuer.
- **United Award Pricing**: Access to reduced-mileage or exclusive award inventory when booking with miles; availability varies.
- **5,000 bonus miles each anniversary when you also hold a personal United card**: Offer details, spend requirements, and timing per issuer; verify current terms before applying.
- **United Economy Plus Upgrades**: Two continental U.S. Economy Plus upgrades after $25,000 in calendar-year spend on the card; terms apply.
- **No Foreign Transaction Fees**: No foreign transaction fee on purchases processed outside the U.S.; issuer and network rules still apply.


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CardStack automatically tracks the United Business Card's $616 in statement credits and reminds you before each one resets, so you use every dollar you paid for. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863