Chase
United Business
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 line, a way to add United miles without using up a personal-card slot.
Offer history
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 |
|---|---|---|---|---|---|
TARGETEDYMMV | 105,000$5k · 90d | $1,365 | $1,565 | 31% | May ’26 |
PUBLIC | 100,000$5k · 90d | $1,300 | $1,500 | 30% | Apr ’26 |
AF $150 · benefits updated · Apr 2026 | |||||
AF $99 → $150 · Mar 2025 | |||||
PUBLIC | 125,000$5k · 90d | $1,625 | $1,594 | 32% | Mar ’25 |
What you get
- United flight credit$125per year
Up to $125 a year in United TravelBank credit after five United flight purchases.
- Instacart credit$120per year
Up to $10 a month in Instacart statement credits, plus a complimentary Instacart+ membership.
- Rideshare credit$100per year
Up to $100 a year in rideshare statement credits after enrollment.
- United Hotels credit$100per year
Up to $100 a year in credits on hotel stays booked through United Hotels.
- JSX credit$100per year
Up to $100 a year in statement credits for JSX semi-private flights.
- Free checked bag$80per year
Free first checked bag for you and a companion on United flights.
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
standard values| SUB value | +$975 |
| 75,000 United × | |
| Benefits (Year 1) | +$350 |
↳ $805 at sticker value — before custom valuations United flight credit($125 × ) United flight credit $125 × ~$69 Rideshare credit($100 × ) Rideshare credit $100 × $55 Instacart credit($10/mo × ) Instacart credit $10/mo × ends Dec 2027 $48 | |
| Annual fee | −$150 |
| Year 1 | $1,175 |
| Return for spending $5k | 23% |
Sign in to fold in your eligibility, spend-fit, and 5/24.
Related cards
United Business scores 43 here on standard point values. See where it ranks against every card, scored for your points, spend, and eligibility.
Open the ranked table →