The Chase United Business Card is a co-branded United Airlines business credit card earning MileagePlus miles on United purchases and common business categories. It carries a $99 annual fee and provides two United Club one-time passes each year.
What the product is structurally
The United Business Card is a Visa Business card on a revolving credit line issued by Chase. Miles deposit into the cardholder’s United MileagePlus account.
The earn structure is: 2x on United Airlines purchases, dining, gas stations, office supply stores, and local transit and commuting. All other purchases earn 1x.
Included benefits: two United Club one-time passes per year, first checked bag free for the primary cardholder and one companion on the same eligible reservation, 5,000 bonus miles per account year if the cardholder also holds a personal United credit card, and a $100 United travel credit after the cardholder makes five United purchases per account year.
How it works in practice
United MileagePlus miles are redeemable for award flights on United, Star Alliance partners, and other partner airlines. Award costs are determined by United’s dynamic pricing system, which means the miles required for a given route can vary based on demand and available inventory.
The two United Club one-time passes allow lounge access on specific travel days. These passes are issued each account year and are accessed through the United app or at the lounge. They do not accumulate across years — unused passes expire.
The $100 United travel credit requires five United Airlines purchases per account year. These can be any United purchases (flight payments, in-flight purchases, baggage fees) — the threshold is not tied to a dollar amount, only a purchase count.
The welcome bonus, as of early 2026, is 75,000 MileagePlus miles after meeting a defined spend threshold in the first few months of account opening.
Fees and pricing mechanics
The annual fee is $99. No foreign transaction fees apply. Chase’s 5/24 rule applies.
Limits, eligibility, and availability
Eligibility requires a U.S. business with personal guaranty and a credit evaluation by Chase.
The 5,000 anniversary bonus miles for holding both the United Business Card and a personal United card require both accounts to remain open and in good standing.
Tradeoffs, risks, or limitations
The two United Club passes provide lounge access but are not equivalent to a United Club membership, which provides unlimited access. Frequent United travelers visiting lounges more than twice annually would find the passes insufficient.
United’s dynamic pricing model for award redemptions means that miles earned do not carry a guaranteed fixed value. Redemptions for business or first-class international awards can deliver high per-mile value; last-minute domestic redemptions may deliver substantially less.
The 2x categories overlap considerably with several competing business cards. Businesses that already earn strong multipliers on these categories elsewhere may not gain incremental value by holding this card specifically for the category earn rather than the airline-specific benefits.
See also: United Business Cards Comparison, Chase United Club Business Card Review, Citi/AAdvantage Business Card Review
