United℠ Business Card
Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The United℠ Business Card from Chase earns up to 2.4% effective value on dining in Madeen's catalog snapshot. Its annual fee is $150. New applicants may see: Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP) - earn 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open..
- Top category
- Dining
- Effective value
- 2.4%
- Annual fee
- $150
Worth a look for dining spend if you need a business card and can use United MileagePlus the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the United℠ Business Card earn in each category?
Dining is the strongest category at 2.4% effective value (2x miles at about 1.2 cents each). That dining rate ranks higher than about 80% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how United℠ Business Card compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at.
Dining is the strongest category at 2.4% effective value (2x miles at about 1.2 cents each). That dining rate ranks higher than about 80% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how United℠ Business Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x miles | 2.4% Top category |
| Grocery Supermarkets and grocery stores | 1x miles | 1.2% |
| Gas Gas stations and fuel | 2x miles | 2.4% |
| Travel Flights, hotels, transit | 2x miles | 2.4% |
| Other General everyday spend | 1x miles | 1.2% |
Madeen values United MileagePlus at about 1.2 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the United℠ Business Card reward caps and conditions?
The United℠ Business Card has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 2 miles per $1 spent on dining, including eligible delivery services
- 2 miles per $1 spent at gas stations
- 2 miles per $1 spent on local transit and commuting
Who should get the United℠ Business Card?
The United℠ Business Card fits spenders who put meaningful volume in dining and can earn 2x miles. Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
United℠ Business Card fits spenders who put meaningful volume in dining and can earn 2x miles. Madeen ranks its dining effective rate higher than about 80% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Worth a look for dining spend if you need a business card and can use United MileagePlus the way you redeem today.
Pros
- Strongest Madeen category is dining at about 2.4% effective (2x miles).
- That dining rate ranks higher than about 80% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $150 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
- United MileagePlus value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the United℠ Business Card welcome bonus?
In Madeen's catalog snapshot, the United℠ Business Card welcome offer is Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP) - earn 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account.
- Offer
- 110k United MileagePlus (~$1320 estimated)
- Terms (catalog snapshot)
- Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP) - earn 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open.
- Minimum spend
- $5,000
- Window
- 3Months
Does the United℠ Business Card have an annual fee?
The United℠ Business Card has an annual fee of $150 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $150
- Foreign transaction fee
- None
What travel perks does the United℠ Business Card include?
The United℠ Business Card includes Lounge access, $125 United travel credit, 2 United Club℠ one-time passes, 25% back on United inflight and Club premium drink purchases in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Lounge access
$99/yr2 United Club one-time passes each year
How we value this
Editorial: Priority Pass Standard individual membership lists at $99/year (2026); used as conservative lounge-access proxy when issuer does not specify visit caps.
What benefits come with the United℠ Business Card?
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Concierge
$150/yrGet complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
$125 United travel credit
$125/yrReceive $125 in United® TravelBank cash after making 5 United® flight purchases of $100 or more each calendar year with your United Business Card.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Up to $100 in credits on JSX purchases annually
$100/yrGet up to $100 back as a statement credit each anniversary year when you book flights directly with JSX using your United Business Card. JSX is a hop-on jet service that offers a semi-private flying experience at commercial fares. To learn more, visit united.com/JSX.
Up to $100 in credits on rideshare purchases
$100/yrEnroll to receive up to $100 back as statement credits each calendar year on rideshare purchases when paying with your UnitedSM Business Card: $8 back as a statement credit each month from January through November and up to $12 back for the month of December. Yearly opt-in is required.
Up to $100 in United® Hotels credits
$100/yrReceive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United® Hotels with your UnitedSM Business Card, up to $100 each anniversary year.
Free first checked bag
$60/yrThe primary Cardmember and one companion traveling on the same reservation will each receive their first standard checked bag free (up to $35 value, each way, per person) on United-operated flights when the primary Cardmember includes their United MileagePlus® number in their reservation and purchases their tickets from United with their card. For complete details, please visit .
Up to $50 in United travel credits on Avis or Budget car purchases
$50/yrReceive $25 in United® TravelBank cash, up to $50 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with your United? Business Card.
25% back on United inflight and Club premium drink purchases
$25/yr25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your United Business Card.
5,000-mile better-together anniversary bonus
$25/yrYou'll receive 5,000 bonus miles each year on your United℠ Business Card anniversary when you have both the United℠ Business Card and a personal Chase United card.
Related encyclopedia topics
Common questions about the United℠ Business Card
Where do cardholders spend most with the United℠ Business Card?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (2x), fast food (2x), other food and drink (2x) for the United℠ Business Card. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is a United business credit card worth it?
The United℠ Business Card from Chase earns up to 2.4% effective value on dining in Madeen's catalog snapshot. Its annual fee is $150. New applicants may see: Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP) - earn 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account.
Does the United℠ Business Card have an annual fee?
The United℠ Business Card carries an annual fee of $150 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the United℠ Business Card?
Dining is the strongest Madeen category for the United℠ Business Card at about 2.4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the United℠ Business Card charge foreign transaction fees?
The United℠ Business Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the United℠ Business Card welcome bonus?
The United℠ Business Card welcome offer in our snapshot: Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP) - earn 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account in the.
How does the United℠ Business Card compare to similar cards?
Compare the United℠ Business Card against Aeroplan Card (4.5% on Dining, $95 fee); Chase Sapphire Preferred Credit Card (3% on Dining, $95 fee); AARP (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
United℠ Business Card This card | Dining | 2.4% | $150 |
Chase | Dining | 4.5% | $95 |
| Dining | 3% | $95 | |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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