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United Business Card
CHASEBUSINESS

United Business Card

5 credits worth $441 at face value against an $150 annual fee. 2 of them pay nothing until you enroll.

UPDATED OCT 20265 CREDITS TRACKED2 NEED ENROLLMENT
ANNUAL FEE
$150/ year
Credits at face value$441
Break-even34%
Track these credits free →

Open the full United Business Card calculator →

All 5 credits, by how often they reset

Monthly

2 CREDITS · $216 / YR
Rideshare Credit$8
12 × $8 = $96
ENROLL
Up to $8 back as a statement credit each month from January through November and up to $12 in December on rideshare purchases with your United Business Card, up to $100 each calendar year. Opt in each year.
Instacart Credits$10
12 × $10 = $120
MERCHANT CREDITENROLL
Get monthly Instacart credits with a complimentary Instacart+ membership, activated at instacart.com/p/chase-united. The amount depends on the card: United Club cards get two $10 credits a month, United Quest gets one $10 and one $5, and United Explorer and United Business get one $10. Credits don't roll over. Available through 12/31/2027.

Once a cardmember year

3 CREDITS · $225 / YR
United Hotels Credit$100
$100
AUTO
Up to $100 in statement credits per cardmember year — $50 automatically applied to each of your first two prepaid hotel stays booked through United Hotels at united.com/hotels.
JSX Credit$100
$100
AUTO
Up to $200 in statement credits annually when you make purchases directly with JSX throughout your card anniversary year.
FareLock Credit$25
$25
AUTO
Earn up to $50 in statement credits annually when you use your card for FareLock purchases on flights operated by United and United Express. FareLock allows you to hold a fare for a fee before purchasing.
THE PART PEOPLE MISS2 of 5 credits pay nothing until you enroll

That’s $216 of face value sitting behind a form. Enrollment is one-time per credit and never applies retroactively.

Instacart Credits$120
Rideshare Credit$96

All of them live in the Benefits section of your issuer’s website.

How it compares

Frequently asked questions

What is the United Business Card annual fee?

The United Business Card has an annual fee of $150. This is a business credit card.

Is the United Business Card worth it?

The United Business Card offers $441 in annual benefits with a $150 annual fee, for a net value of $291. It can be worth it if you use the key benefits like Instacart Credits, United Hotels Credit, JSX Credit.

What benefits does the United Business Card include?

The United Business Card includes 5 benefits, including Instacart Credits ($120/year), United Hotels Credit ($100/year), JSX Credit ($100/year), Rideshare Credit ($96/year), FareLock Credit ($25/year).

Can I get the United Business Card as a personal card?

The United Business Card is a business credit card. Check with Chase to see if there's a personal version of this card.