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United Club Business Card
CHASEBUSINESS

United Club Business Card

6 credits worth $864 at face value against an $695 annual fee. 2 of them pay nothing until you enroll.

UPDATED OCT 20266 CREDITS TRACKED2 NEED ENROLLMENT
ANNUAL FEE
$695/ year
Credits at face value$864
Break-even80%
Track these credits free →

Open the full United Club Business Card calculator →

All 6 credits, by how often they reset

Monthly

2 CREDITS · $384 / YR
Rideshare Credit$12
12 × $12 = $144
ENROLL
Earn up to $12 back as a statement credit each month from January to November and up to $18 back in December when you pay for rideshare purchases. Maximum of $150 annually. Enrollment required each calendar year.
Instacart Credits$20
12 × $20 = $240
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 · $450 / YR
Renowned Hotels and Resorts Credit$200
$200
AUTO
Up to $200 in statement credits annually when you book and pay with your card directly through Renowned Hotels and Resorts for United Cardmembers. Credits automatically applied throughout the year.
FareLock Credit$50
$50
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.
JSX Credit$200
$200
AUTO
Up to $200 in statement credits annually when you make purchases directly with JSX throughout your card anniversary year.

Included perks

NOT COUNTED IN TOTAL
United Club MembershipUnited Club membership for the primary cardholder when you fly United or a Star Alliance airline that day. Bring 1 adult guest plus your children under 18. Star Alliance partner lounges are not included.
Included
THE PART PEOPLE MISS2 of 6 credits pay nothing until you enroll

That’s $384 of face value sitting behind a form. Enrollment is one-time per credit and never applies retroactively.

Instacart Credits$240
Rideshare Credit$144

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

How it compares

Frequently asked questions

What is the United Club Business Card annual fee?

The United Club Business Card has an annual fee of $695. This is a business credit card.

Is the United Club Business Card worth it?

The United Club Business Card offers $864 in annual benefits with a $695 annual fee, for a net value of $169. It can be worth it if you use the key benefits like Instacart Credits, Renowned Hotels and Resorts Credit, JSX Credit.

What benefits does the United Club Business Card include?

The United Club Business Card includes 7 benefits, including Instacart Credits ($240/year), Renowned Hotels and Resorts Credit ($200/year), JSX Credit ($200/year), Rideshare Credit ($144/year), FareLock Credit ($50/year).

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

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

What statement credits does the United Club Business Card have?

The United Club Business Card includes 6 statement credits: Instacart Credits, Renowned Hotels and Resorts Credit, JSX Credit, Rideshare Credit, and 2 more. Together they provide $864 in annual value.