Fine Print Bureau
Chase United Business
Verified 2026-09-27 against Chase Bank's own terms page.
What it costs
- Annual fee: $150
- APR range: 19.74%–28.24%
- Foreign transaction fee: None
What you get, and what you have to do to get it
- Auto Rental Coverage (other)
- Baggage Delay Insurance (other)
- Better-Together Anniversary Miles Bonus (annual)
- Cardmember Award Pricing (other)
- Complimentary Instacart+ Membership (other)
- Continental U.S. Economy Plus Seat Upgrades (calendar year)
- Extended Warranty Protection (other)
- FareLock Credit (calendar year)
- Inflight and Club Premium Drink Discount (other)
- JSX Flight Credit (calendar year)
- Lost Luggage Reimbursement (other)
- Priority Boarding (other)
- Purchase Protection (other)
- Rideshare Credit (calendar year)
- Trip Cancellation and Interruption Insurance (other)
- Trip Delay Reimbursement (other)
- United Travel Credit (calendar year)
- Visa Concierge Service (other)
Only benefits whose terms have cleared review are listed — a benefit the issuer advertises but that has not been verified here is omitted rather than repeated. Per-benefit values are not shown because the underlying field mixes dollars, miles, points and insurance limits without recording which. The dollar question is answered below.
What the fee costs you regardless of use
The $150 annual fee is charged whether or not you use any of the benefits above. Against it, our Fee Reality model estimates $233 of credit value actually realized by a typical cardholder, out of $620 of advertised face value.
Modeled, confidence grade C — not a measurement of your own redemptions. See the Fee Reality Check for the credit-by-credit breakdown.
Date verified and source
Verified 2026-09-27 directly against the issuer's published terms: View Chase Bank's official terms page
Every figure above traces to a source-evidence row reviewed against the issuer's own terms page — not an aggregator. See the Fine Print Bureau methodology.