Chase United℠ Business Card
Co-branded United Airlines business card offering free checked bags, priority boarding, United Club passes, and over $600 in annual credits (United travel, hotels, rideshare, Instacart, JSX, car rental, FareLock). Earns up to 4,000 PQPs annually toward Premier status. Enhanced March 2025 with new credits offsetting $150 annual fee. Best for business travelers who fly United and can use diverse credit categories.
Trackable Benefits (10)
These are the annual credits, statement credits, and perks that our platform tracks and reminds you about. For complete details on all card benefits including travel protections, purchase protections, and points earning rates, check the official card page for the most up-to-date information.
$125 United TravelBank Credit
$125 TravelBank cash after 5 United purchases of $100+ each year.
Receive $125 in United TravelBank cash each calendar year after making 5 United flight purchases of $100 or more with your card. United purchases include seat upgrades, Economy Plus, inflight purchases, baggage fees, and other United fees. TravelBank cash delivered within 6-8 weeks and expires 12 months after issuance. Can only be used on United/United Express flights.
- • Start making United purchases early in the year to hit 5 purchases threshold.
- • Qualifying purchases include flights, seat upgrades, bags, WiFi, food/drinks.
- • TravelBank cash expires 12 months after issuance - use it or lose it.
- • Cannot combine TravelBank with flight credits from canceled flights.
United Hotels Credit
$100 annual hotel credit ($50 each for 1st and 2nd stays).
Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United Hotels, up to $100 each anniversary year. Must book through united.com. Credits post within 6-8 weeks.
- • Book through united.com, not third-party sites - only United Hotels bookings qualify.
- • Prepaid reservations required - flexible/pay-at-hotel rates don't qualify.
- • Use for your 1st and 2nd hotel stays each year to maximize $100.
- • Earn 5X United miles PLUS $50 credit on each qualifying booking.
Rideshare Monthly Credit
$100/year rideshare credit ($8/mo, $12 Dec) - annual enrollment required.
Receive up to $8 back as a statement credit each month from January through November and up to $12 back in December on rideshare purchases, for maximum $100 each calendar year. Must enroll each calendar year through Chase app or by phone. Enrollment required to start receiving credits.
- • CRITICAL: Must re-enroll every January - enrollment doesn't carry over.
- • Enroll through Chase app or call number on back of card.
- • Works for both Uber and Lyft rides.
- • Monthly credits don't roll over - use $8 each month (Jan-Nov) and $12 in December.
Instacart Monthly Credit
$10/month Instacart credit - expires 12/31/2027.
Receive $10 Instacart credit each month with active Instacart+ membership. Credit issued at beginning of each month, expires at end of month. Must enroll card at instacart.com/p/chase-united. Includes 3 complimentary months of Instacart+ membership upon activation, then 25% discount. Available through December 31, 2027. Minimum $10 purchase required per order.
- • Enroll at instacart.com/p/chase-united with your United Business card.
- • Credit loads automatically at beginning of each month, expires at month end.
- • Must pay with enrolled card at checkout (not digital wallets).
- • Minimum $10 order required to use credit.
- • TIME-LIMITED: Expires 12/31/2027 - unclear if will be renewed.
JSX Flight Credit
$100 annual JSX flight credit.
Receive up to $100 statement credit annually on JSX flight purchases booked directly with JSX. JSX operates semi-private flights on 30-seat jets from private terminals. Resets each anniversary year.
- • JSX operates in limited markets - check jsx.com for routes.
- • Semi-private flights with streamlined boarding from private terminals.
- • Great for short regional routes where JSX operates.
Avis/Budget Car Rental Credit
$50 Avis/Budget credit ($25 each for 1st and 2nd rentals).
Receive $25 in United TravelBank cash for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com, up to $50 each anniversary year. TravelBank cash delivered to MileagePlus account.
- • Book through cars.united.com, not directly with Avis/Budget.
- • TravelBank cash never expires - can save for future flights.
- • Use for your 1st and 2nd car rentals each year to maximize $50.
FareLock Credit
$25 annual FareLock credit.
Receive up to $25 back as a statement credit each anniversary year after purchasing FareLock with your United Business Card on United or United Express flights. FareLock allows you to hold a flight at a fixed price for 3-14 days before purchasing.
- • FareLock lets you hold a fare for 3-14 days without committing.
- • Useful when waiting on travel approval or coordinating with others.
- • Credit covers typical FareLock fees of $7-14 per booking.
United Club Passes
2 one-time United Club passes annually.
Receive 2 United Club one-time passes each anniversary year. United Club lounges offer complimentary snacks, beverages, and comfortable seating at major airports. Each pass is valid for a single visit. Passes can only be used by the primary cardholder or authorized user traveling on same itinerary - cannot be gifted to others (policy changed in 2025 refresh).
- • Each United Club day pass is valued at $59 if purchased separately (~$118 total annual value).
- • Passes reset on your card ANNIVERSARY, not calendar year.
- • Since 2025, passes can only be used by you or someone traveling with you on same itinerary.
- • Save these for long layovers, flight delays, or important travel days.
Economy Plus Seat Upgrades
2 Economy Plus upgrades after $25k annual spend.
Earn 2 credits that can be redeemed to upgrade an Economy seat on an eligible continental U.S. flight to an Economy Plus seat after making purchases totaling $25,000 or more each calendar year. Economy Plus seats offer 3-6 inches of extra legroom.
- • Only unlocked after reaching $25,000 in annual spend on the card.
- • Valid for continental U.S. flights only (not international).
- • Economy Plus offers 3-6 inches of extra legroom.
- • Track your spend progress to plan for when credits become available.
Global Entry / TSA PreCheck Credit
Statement credit for GE ($120), TSA PreCheck ($78-85), or NEXUS every 4 years.
Credit toward Global Entry ($120), TSA PreCheck ($78-85), or NEXUS application fee. Renewals eligible within the program window. Credit posts as statement credit when application fee charged to card.
- • Global Entry includes TSA PreCheck and works for international travel.
- • Apply early in your 4-year window as approval can take months.
- • NEXUS is cheaper but requires Canada border crossing eligibility.
Other Notable Benefits
The following benefits are included with this card but are not tracked by our platform (no expiration dates or usage limits to monitor).
- ✈️7X miles on United flights (5X member + 2X card)
- 🏨5X miles on hotel stays via United Hotels
- ✈️2X miles on all other United purchases
- ⛽2X miles on gas, dining, office supplies, transit/rideshare
- 💳1X mile on all other purchases
- 🧳Free first checked bag for you + 1 companion (up to $160/trip)
- 🎫Priority boarding on United flights
- 🍔25% back on United inflight purchases (food, drinks, WiFi)
- 📊Earn up to 4,000 PQPs annually (1 PQP per $20 spent)
- 🎁5,000 bonus miles annually if holding personal United card
- 🎁3-month complimentary Instacart+ (then 25% discount through 12/31/27)
- 🌍No foreign transaction fees
- 🚗Auto rental collision damage waiver (primary)
- 🛫Trip cancellation/interruption insurance
- 🧳Lost luggage reimbursement up to $3,000
- 🔒Purchase protection (120 days, up to $10k/item)
- ⏰Extended warranty (+1 year, up to 4 years total)
The estimated annual values shown are conservative estimates based only on the trackable benefits our platform manages (annual credits, statement credits, and recurring perks).
Not included in our estimates:
- • Sign-up bonuses and welcome offers
- • Points earning multipliers and redemption value
- • Travel protections (trip insurance, baggage delay, rental car coverage)
- • Purchase protections (extended warranty, price protection, return protection)
- • Cell phone protection and other insurance benefits
- • Transfer partner value and premium redemptions
The actual value you get from premium cards is often significantly higher than our estimates. We track what's trackable - credits and perks with expiration dates - so you never leave money on the table.
Ready to track this card?
Start tracking your Chase United℠ Business Card benefits with CardGenius