United Business Card by Chase: 2x dining & restaurants, 2x flights / airfare, 2x gas stations, 2x office supply stores, 2x transit & commuting, 1x…
The United Business Card is Chase's mid-tier credit card. The $150/yr annual fee includes a 100,000-point welcome bonus after spending $5,000 in the first 3 months. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| Rideshare credit | $100/mo | Up to $100/yr in statement credits on rideshare purchases; yearly enrollment required |
| Instacart credit | $120/mo | Up to $10/mo in Instacart credits ($120/yr) for purchases made directly through Instacart. Benefits end 12/31/27 |
| JSX flight credit | $100/yr | Up to $100/yr in statement credits on flights booked directly with JSX |
| United Hotels credit | $100/yr | Up to $100/yr in statement credits on prepaid hotel stays booked directly through United Hotels |
| Avis/Budget car rental credit | $50/yr | Up to $50/yr in United travel credits on Avis or Budget car rentals booked through cars.united.com |
| FareLock credit | $25/yr | Up to $25/yr in statement credits on FareLock purchases on United flights |
| United travel credit (after 5 flights) | $125/yr | Earn $125 in United TravelBank cash after making 5 United flight travel-related purchases of $100+ each calendar year. Includes seat upgrades, Economy Plus, inflight food/beverages/Wi-Fi, baggage fees, etc. |
Welcome bonus value (year one): ~$1350. Annual statement credits: $620. Minus the $150 annual fee = ~$1820 in year-one net value before any spending earn. RewardsGuru rating: 4.3/5 — based on our net-value methodology.
Best fit: small-business owners who can run business expenses through one card and want the welcome bonus + category multipliers. Skip if: you don't have separate business spend or you'd struggle to hit the welcome-bonus spending requirement.
100,000 points after spending $5,000 in the first 3 months. At our ~1.35¢/pt valuation, that's roughly $1350 in real value.
Year-one math: welcome bonus value (~$1350) + annual credits ($620) − $150 fee = ~$1820 net before spending earn. Year-two onward, the credits alone need to clear $150 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
7 recurring statement credits: Rideshare credit ($100/mo), Instacart credit ($120/mo), JSX flight credit ($100/yr), United Hotels credit ($100/yr), Avis/Budget car rental credit ($50/yr), FareLock credit ($25/yr), United travel credit (after 5 flights) ($125/yr). Total: $620/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Chase's product page has the current rate.