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United Business
ChaseCredit Card

United Business

Best for United business travelers

$1Kbonus$99/yrannual fee2.0x miles per $1; value varies by redemption
Sign-up bonus
$1K
See issuer terms
Annual fee
$99
Offset by $1K bonus
Purchase APR
See terms
Variable — see issuer terms
How you earn
Other purchases
2.0x miles

Points and miles redemption value varies. Bonus categories shown; caps may apply. Verify earning rates and options with the issuer before applying.

SwitchWize take

The United Business Card combines United travel perks with business-friendly bonus categories. It is strongest for small-business owners who fly United enough to use free bags and lounge passes.

Pros & cons
What we like
  • ✓Free first checked bag
  • ✓Two United Club passes annually
  • ✓No foreign transaction fee
  • ✓Business categories include gas and transit
Worth noting
  • ✗Benefits depend on United travel
  • ✗No full lounge membership
  • ✗High spend needed for full bonus
Perks & credits
$428 face value·$349 effective
United Club One-Time Passes
Two passes each cardmember year
moderate
$118
$89 eff.
First Checked Bag Free
For cardholder and one companion on eligible United itineraries
easy
$160
United TravelBank Car Rental Credit
For eligible Avis or Budget bookings through United channels
hard
$50
$25 eff.
Premier Qualifying Points
Earn PQP from card spend toward United Premier status
moderate
$100
$75 eff.

Effective value discounts hard-to-use credits (easy 100% · moderate 75% · hard 50%)

Key terms
Updated Jun 21, 2026
Purchase APR21.24%–29.99% variable
Annual fee$99 (waived first year)

Always verify current terms at the issuer before applying. See full offer details →

Compare alternatives
Aadvantage Business PlatinumAadvantage ExecutiveAadvantage MileupAadvantage Platinum Select
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United Business
Chase

United Business

$1K
sign-up bonus
$99
annual fee
$1,801
est. first-year value
$501
ongoing value / yr

Based on $2,500/mo spend

Apply now

You'll leave SwitchWize and apply at Chase's site. Verify all terms before submitting.

SwitchWize may earn a referral fee when you click through to a partner. Content is for informational purposes only and does not constitute financial advice. Verify current rates, fees, and eligibility directly with the card issuer before applying.

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