Card details · Chase
United Business Credit Card review: fees, rewards and APR
The United℠ Business Credit Card is a credit card from Chase with a $150 annual fee. By our overall score it ranks #32 of the 294 credit cards we rank (store-only cards excluded), and #9 of 43 Chase cards. It is listed in our business rankings.
Key facts
- Issuer
- Chase
- Network
- Visa
- Annual fee
- $150
- Welcome offer
- Earn 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus earn 10,000 bonus miles after you add an employee card to your account in the first 3 months your account is open.
- Foreign transaction fee
- None
- Our overall score
- 63 (#32 of 294 cards)
Sign-up bonus history
Below the highest offer we’ve tracked (100,000 miles)
- Current offer
- 100,000 miles
Earn 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus earn 10,000 bonus miles after you add an empl… - Highest tracked since April 2026
- 100,000 miles
Earn 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus earn 10,000 bonus miles after you add an empl… - Lowest tracked since April 2026
- 75,000 miles
75,000 Bonus Miles +2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus earn 10,000 bonus miles after you add an employee ca… - Changes tracked
- 1
Show each tracked change
| Date | Headline amount | Offer as recorded |
|---|---|---|
| Apr 22, 2026 | 75,000 miles | 75,000 Bonus Miles +2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus earn 10,000 bonus miles after you add an employee ca… |
| Jun 17, 2026 | 100,000 miles | Earn 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus earn 10,000 bonus miles after you add an empl… |
We compare each offer’s headline bonus amount and track it since April 2026 (earlier history is not covered). Spend requirements and time windows may have changed too. Past offers don’t predict future ones. Methodology.
Rewards
- NEW! 8x total miles on eligible United flights - 6x miles on the Primary Cardmember's fare from United as a MileagePlus member, plus 2x miles on entire United purchase with United Business Card
- 2x miles on all other eligible United purchases
- 2x miles at gas stations
- 2x miles on dining including eligible delivery services
- 2x miles at office supply stores
- 2x miles on local transit including ride share services, taxicabs, train tickets, tolls and mass transit
- 1x mile on all other purchases
Benefits and notes
Free first checked bag; 2 United Club one-time passes; $125 United travel credit; 10% or more savings when booking with miles; Group 2 priority boarding; 25% back on United inflight purchases; Global Economy Plus seat upgrades; hotel and rideshare credits; Instacart, JSX, FareLock, and Avis/Budget credits; 3-month Instacart+ membership; no foreign transaction fees
Where it ranks
- Overall: #32 of 294 cards (score 63)
- Chase credit cards: #9 of 43
- Business cards: #7 of 92 by our business score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Chase’s own site) as of October 21, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the United Business Credit Card?
$150, as stored in our database. Confirm the current fee on Chase’s site.
Does the United Business Credit Card have a welcome bonus?
Our database lists this offer: Earn 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus earn 10,000 bonus miles after you add an employee card to your account in the first 3 months your account is open. Offers change often and terms apply.
Does the United Business Credit Card have a 0% intro APR?
Our database lists no intro APR offer for this card.
Does the United Business Credit Card charge foreign transaction fees?
Our database lists no foreign transaction fee for this card.
How does the United Business Credit Card rank on YourBestCards?
#32 of 294 cards by our overall score (63). In our category lists: #7 of 92 business cards.
What is the highest United Business Credit Card sign-up bonus you have tracked?
Since April 2026, the highest headline amount we have tracked is 100,000 miles and the lowest is 75,000 miles, across 1 change. The current offer is 100,000 miles. This only covers the period we have tracked; terms apply.
Other top Chase cards
- 8X points on Chase TravelSM purchases
- 4X on flights and hotels booked direct
- 3X on dining worldwide
- Annual fee
- $795
- Welcome offer
- Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening.
- 5X total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $100 Annual Chase Travel Hotel Credit
- 2X on other travel purchases
- 3X points on dining, including eligible delivery services, takeout and dining out
- Annual fee
- $95
- Welcome offer
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- NEW! Up to 5x total points per $1 spent on Air Canada purchases, including 3X points on Air Canada purchases with your card, plus an additional 2X points from Air Canada when traveling as an Aeroplan 25K members
- 3X points per $1 spent on travel purchases
- 2X points per $1 spent at grocery stores. Through December 31, 2026, these purchases will earn 3X points per $1 spent
- Annual fee
- $195
- Welcome offer
- Earn up to 115,000 bonus points - 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 40,000 bonus points after you spend $20,000 on purchases in the first 12 months.
- Up to 28X total points at IHG® Hotels and Resorts - 12X points with this card. Plus, up to 10X points from IHG® on stays for being an IHG One Rewards member
- up to 6X points from IHG® on stays with Platinum Elite Status
- 6X points on dining and all other travel, including rideshare
- Annual fee
- $350
- Welcome offer
- Earn 200,000 Bonus Points after you spend $5,000 on purchases in the first 3 months from account opening
- 10x miles on United flights - 6x miles on fare from United as a MileagePlus member, plus 4x miles on entire United purchase with the United Quest℠ Card
- 5x miles on hotel stays at Renowned Hotels and Resorts
- 4x miles on all other eligible United purchases
- Annual fee
- $350
- Welcome offer
- Earn 80,000 bonus miles after you spend $4,000 on purchases in the first 3 months your account is open, plus 500 PQP after your first purchase, plus 10,000 bonus miles after you add an authorized user in the first 3 months your account is open (up to 90,000 bonus miles in total).
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.