Chase · Business card
United Business Card
The United Business Card has a $150 annual fee and up to $520 a year in statement credits, across six credits. One of the six United Business credits needs a one-time enrollment before any spending counts, and Chase will not apply it retroactively.
- Annual fee
- $150
- Charged on your account anniversary
- Credits a year
- Up to $520
- 6 statement credits, used in full
- Need enrollment
- 1 of 6
- 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 |
|---|---|---|---|
| United travel credit$125 a year. On January 1 | $125 a year | On January 1 | $125 |
| Instacart creditEnroll firstYou must first activate the complimentary Chase Instacart+ membership; the credit loads into the Instacart account, not onto the card statement.$10 a month. On the 1st of each month | $10 a month | On the 1st of each month | $120 |
| JSX credit$100 a year. On your account anniversary, not January 1 | $100 a year | On your account anniversary, not January 1 | $100 |
| United Hotels credit a year$100 a year. On your account anniversary, not January 1 | $100 a year | On your account anniversary, not January 1 | $100 |
| Avis or Budget TravelBank cash a year$50 a year. On your account anniversary, not January 1 | $50 a year | On your account anniversary, not January 1 | $50 |
| FareLock credit$25 a year. On your account anniversary, not January 1 | $25 a year | On your account anniversary, not January 1 | $25 |
| Total a year, if you use every credit | $520 |
What people get wrong
- Enrollment comes first. One benefit needs 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 Business
What is the annual fee on the United Business Card?
$150 a year, charged each year on your account anniversary.
How much are the United Business credits worth?
Up to $520 a year if you use all six statement credits in full. The largest: United travel credit ($125), Instacart credit ($120) and JSX credit ($100).
Which United Business benefits need enrollment?
One of the six: Instacart credit. Enroll before you spend, because Chase will not apply a credit retroactively.
When do the United Business credits reset?
Monthly credits reset on the 1st of each month, and yearly credits on January 1. Avis or Budget TravelBank cash a year, FareLock credit, JSX credit and United Hotels credit a year reset on your account anniversary, not January 1. Unused credit does not roll over.
Is the United Business worth the $150 fee?
On credits alone, only if you use at least 29% of them. They add up to $520 a year against the $150 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 Business earn?
United MileagePlus points, worth about 1.3 cents each in a typical redemption.
