Chase

United Business

AF $150BUSINESS★ Keeper

What it is

The United Business is a Chase business card earning United MileagePlus miles. Its ongoing value can outweigh the annual fee, making it a potential keeper past year one. United's business cobrand — earns United miles on business spend on a separate business line, a way to add United miles without using up a personal-card slot.

Offer history

Current offer

100,000

$1,300 bonus · $1,417 year 1

Spend to earn

$5k

~$1,667/mo · 90d

All-time high

150,000

Aug ’22

Timing

33% below

vs all-time high

Value over time

Plot

Year 1 (incl. perks)Bonus $Spend / mo (right)All-time highProduct refresh

Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.

Offer	Bonus	Value	Year 1	Return	Date
PUBLIC	100,000$5k · 90d	$1,300	$1,417	26%	Apr ’26
AF $150 · benefits updated · Apr 2026
PUBLIC	100,000$5k · 90d	$1,300	$1,274	26%	Jan ’26
AF $99 → $150 · Mar 2025
PUBLIC	125,000$5k · 90d	$1,625	$1,612	33%	Mar ’25

What you get

No foreign transaction feesPrimary rental car insuranceTrip cancellation insurance

United flight credit$125per year
$125 United flight credit after 5 United flight purchases/yr (transaction-count condition, not $-threshold). Low churner util. Added March 2025.
Instacart credit$120per year
$120/yr Instacart ($10/mo, Business tier). value_cents_msrp=12000 ANNUAL (encoder ÷12). Added April 2026.
2 United Club passes$100per year
2 United Club one-time passes/yr (not membership; lounge_access stays none). ~$50/pass × 2.
Rideshare credit$100per year
$100/yr rideshare credit. Added April 2026.
United Hotels credit$100per year
$100/yr United Hotels credit. Added April 2026.
JSX credit$100per year
$100/yr JSX credit. Niche. Added April 2026.

Dollar figures are the benefit’s face value. What it’s worth to you — after realistic usage and your own point values — is in the receipt below.

The receipt

default values

SUB value	+$1,300
100,000 United × 1.30¢/pt
Ongoing benefits (yr 1)	+$267
2 United Club passes($100 × 50%) 2 United Club passes $100 × 50% $50 Instacart credit($10/mo × 40%) Instacart credit $10/mo × 40% $48 United flight credit($125 × 30%) United flight credit $125 × 30% $38
Annual fee	−$150
Year 1	$1,417
Return on $5k MSR	26%