United Club Business Card by Chase: 5x hotels, 2x flights / airfare, 1.5x everything else. $695 annual fee. 100,000-point welcome bonus. Rates and credits…
The United Club Business Card is Chase's premium credit card. The $695/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 | $150/mo | Up to $12/mo Jan–Nov + up to $18 in Dec in statement credits on rideshare purchases ($150/yr) |
| Avis/Budget TravelBank cash | $100/yr | $50 in United TravelBank cash for each of your 1st and 2nd Avis or Budget rentals booked through cars.united.com (up to $100/yr, anniversary year) |
| Instacart credits | $240/mo | Two $10 Instacart credits monthly ($20/mo, up to $240/yr) for purchases made directly through Instacart; includes complimentary Instacart+ membership. Benefits end 12/31/27 |
| Renowned Hotels credit | $200/yr | Up to $200/yr in statement credits on prepaid hotel stays through Renowned Hotels and Resorts for United Cardmembers (anniversary year) |
| JSX flight credit | $200/yr | Up to $200/yr in statement credits on flights booked directly with JSX (anniversary year) |
| FareLock credit | $50/yr | Up to $50/yr in statement credits on United FareLock purchases for United/United Express flights (anniversary year) |
Welcome bonus value (year one): ~$1350. Annual statement credits: $940. Minus the $695 annual fee = ~$1595 in year-one net value before any spending earn. RewardsGuru rating: 2.8/5 — 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 ($940) − $695 fee = ~$1595 net before spending earn. Year-two onward, the credits alone need to clear $695 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
6 recurring statement credits: Rideshare credit ($150/mo), Avis/Budget TravelBank cash ($100/yr), Instacart credits ($240/mo), Renowned Hotels credit ($200/yr), JSX flight credit ($200/yr), FareLock credit ($50/yr). Total: $940/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.