Chase · Business card
United Club Business Card
The United Club Business Card has a $695 annual fee and up to $834 a year in statement credits, across five credits. Two of the five United Club Business Card credits need a one-time enrollment before any spending counts, and Chase will not apply them retroactively.
- Annual fee
- $695
- Charged on your account anniversary
- Credits a year
- Up to $834
- 5 statement credits, used in full
- Need enrollment
- 2 of 5
- Credits. Enroll before you spend
Every credit, and when it resets
Amounts are per period. The last column is what each credit adds up to in a year if you use it every time.
| Credit | Amount | Resets | A year |
|---|---|---|---|
| Instacart creditEnroll first$20 a month. On the 1st of each month | $20 a month | On the 1st of each month | $240 |
| Renowned Hotels credit$200 a year. On your account anniversary, not January 1 | $200 a year | On your account anniversary, not January 1 | $200 |
| JSX credit$200 a year. On your account anniversary, not January 1 | $200 a year | On your account anniversary, not January 1 | $200 |
| Rideshare creditEnroll firstEnrollment is required to receive the rideshare statement credits.$12 a month. On the 1st of each month | $12 a month | On the 1st of each month | $144 |
| FareLock credit$50 a year. On your account anniversary, not January 1 | $50 a year | On your account anniversary, not January 1 | $50 |
| Total a year, if you use every credit | $834 |
What people get wrong
- Enrollment comes first. Two benefits need a one-time enrollment. Spend before you enroll and nothing posts, because Chase will not apply a credit retroactively.
- Not every credit resets in January. At least one resets on your account anniversary. Most people assume the calendar year.
- Nothing rolls over. Whatever is unused when a period ends is gone, so a monthly credit missed in March can't be used in April.
Questions about the United Club Business Card
What is the annual fee on the United Club Business Card?
$695 a year, charged each year on your account anniversary.
How much are the United Club Business Card credits worth?
Up to $834 a year if you use all five statement credits in full. The largest: Instacart credit ($240), Renowned Hotels credit ($200) and JSX credit ($200).
Which United Club Business Card benefits need enrollment?
Two of the five: Instacart credit and Rideshare credit. Enroll before you spend, because Chase will not apply a credit retroactively.
When do the United Club Business Card credits reset?
Monthly credits reset on the 1st of each month. Renowned Hotels credit, JSX credit and FareLock credit reset on your account anniversary, not January 1. Unused credit does not roll over.
Is the United Club Business Card worth the $695 fee?
On credits alone, only if you use at least 84% of them. They add up to $834 a year against the $695 fee, but each is tied to a merchant and a period, so what counts is the ones you would use anyway.
What points does the United Club Business Card earn?
United MileagePlus points, worth about 1.3 cents each in a typical redemption.
