Chase
United Business Card
Annual Fee
$150
Bonus Value
$1,485
Min Spend
$5K/3mo
Current Welcome Offer
110,000
MileagePlus Miles — worth ~$1,485
Spend $5,000 in 3 months
Elevated offerOffer details may have changed
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Key facts
| Annual fee | $150 |
|---|---|
| Welcome bonus | 110,000 MileagePlus Miles after $5,000 spend in 3 months |
| Bonus value estimate | ~$1,485 |
| Points program | United MileagePlus |
| Card network | Visa |
What you get
All 3 perks ↓Perks/yr up to
$308
Annual Fee
$150
Covers fee (realistic use)
1.0×
Historical Intelligence
Offer history & timing
Current
110,000
Average
110,000
Tracked High
—
No offer change history on record yet.
Timing Intelligence
Stable offer — no timing signal
This offer hasn't changed across our tracked observations, so there's no timing advantage to waiting or rushing. Apply whenever the card itself fits your plans.
Based on limited history.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Solid
Est. +$1,789 net first-year value
Timing
Stable offer — no timing signal
This offer hasn't changed across our tracked observations, so there's no timing advantage to waiting or rushing. Apply whenever the card itself fits your plans.
Verified from issuer · May 12
Ecosystem
United MileagePlus
MileagePlus miles for United flights, Star Alliance, and partner airlines.
Value
First-year value estimate
Conservative
+$1,688
65% benefit utilization, minimal travel redemptions
Realistic
+$1,789
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$1,920
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$304/yr
Assumes ~$24,120/yr of typical US household card spend consolidated on this card · statement credits counted at 30–85% of face value by tier (never 100% — credits are enrollment-gated and merchant-restricted) · Year 1 includes signup bonus when verified offer data exists · rewards valued at what a holder of THIS card can redeem — no companion premium card is assumed. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits & Transfer Partners
Benefits
Card perks & credits
Up to $308/yr in benefits
🛫airline credit
First 2 Checked Bags Free
$140/use
First 2 checked bags free for cardholder and one companion on United flights.
United-operated flights; cardholder + 1 companion
Priority Boarding
$50/yr
Group 2 priority boarding on United-operated flights.
United-operated flights
🏛️lounge
2 United Club Passes Per Year
$118/yr
2 complimentary United Club one-time passes per year.
United Club lounges
Live Data
Issuer data snapshot
Card details captured: May 14, 2026
low confidenceEstimated Net Annual Value
$701
after annual fee
Data sourced from issuer page via automated extraction. Verify current offers directly with creditcards.chase.com.
Approval & Best For
Fit assessment
Best For / Not Best For
Best For
- Business owners looking to separate expenses and earn on business purchases
- Frequent flyers with a preferred airline wanting companion benefits
Not Best For
- People seeking a no-annual-fee option with similar rewards
- Those who prefer straightforward cash back over points/miles redemptions
Current Offer Status
Offer status
110,000 MileagePlus Miles
Last verified
May 12, 2026
Annual fee
$150/year
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Alternatives
Consider these cards instead
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United Explorer
Similar tier card from Chase worth comparing.
$150/yr
50,000 pts
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United Quest
Step-up option with more premium benefits for heavy travelers.
$250/yr
60,000 pts
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Chase
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Step-up option with more premium benefits for heavy travelers.
$229/yr
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FAQ
Frequently asked questions
What's the current United Business welcome bonus?
110,000 MileagePlus Miles after spending $5,000 in the first 3 months. Welcome bonus offers change frequently — the value shown on this page is updated against the issuer's published offer. For the live offer, click through to the apply page; the bonus is confirmed at approval time, not click time.
Is the United Business worth the $150 annual fee?
For first-year cardholders the answer is usually yes — the welcome bonus (~$1,485 estimated cash value) plus up to ~$308/yr in tracked benefits and credits typically covers the $150 fee several times over. After year one, the math depends on whether you actually use the recurring credits and category multipliers. Run your real spending through our Annual Fee Calculator before deciding to renew.
What are the main benefits of the United Business?
The highest-value benefits we track on the United Business: First 2 Checked Bags Free (~$140), 2 United Club Passes Per Year (~$118), Priority Boarding (~$50). Combined tracked benefit value is up to ~$308 per year against the $150 annual fee. Dollar values are our estimates of realistic usage — credits that require enrollment or expire monthly are worth less if you don't actively use them.
What credit score do I need for United Business?
Realistic target: 690+ FICO. Issuers don't publish hard cutoffs, but data points from approval/denial reports suggest 690+ is the floor for reliable approval on cards in United Business's tier. Income, debt-to-income ratio, and existing relationship with Chase also matter — use our Approval Predictor for a more personalized estimate.
What credit limit does the United Business come with?
Chase doesn't publish credit limits for the United Business — your starting line is assigned individually at approval based on income, existing debt obligations, and credit history, so reported limits vary widely between applicants. If your initial limit is lower than you'd like, most issuers let you request a credit-line increase after several months of on-time payments.
Editorial guides
More on United Business and Chase
How to Transfer Chase Ultimate Rewards to United MileagePlus: 1:1 Instant Transfers, Sweet Spots, and No Close-In Fees
The 1:1 instant transfer that unlocks Star Alliance partner business class, cheap domestic short-hauls from 10,000 miles, and zero close-in booking fees — and exactly when to pull the trigger.
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United MileagePlus: The Complete 2026 Program Guide
Why MileagePlus is the strongest US-domestic Star Alliance program for Chase UR holders — Excursionist Perk discontinuation explained, Polaris transcons at 35-45K, Star Alliance partner backup.
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Flights to Hawaii on Points: Every Program That Works from the Mainland
Southwest, Alaska, United, Delta, American, and Hawaiian compared program by program — typical mainland origin costs, where award space actually shows up, and which currency to hold based on where you live.
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Why trust this review
- Independent research. CreditPoints is not paid by issuers to rank cards. All scores are algorithmic, based on public offer data, benefit valuations, and issuer rules.
- Regular verification. Offer amounts, spend requirements, and benefit values are checked against issuer pages via automated monitoring and manual audit.
- Transparent methodology. Every value estimate uses disclosed assumptions. Read our full scoring methodology.
Editorial note: CreditPoints may earn a commission when you apply through some of the links on this page. The first-year value math, transfer-partner analysis and approval signals on this card review are algorithmic and identical for all readers. We never accept payment to change ordering.
United Business Card
Current offer: 110,000 MileagePlus — worth ~$1,485
View Official OfferChase's secure site · No data stored · Commission may apply
Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. CreditPoints is independent and not owned by, affiliated with, or endorsed by any card issuer; some Apply links are referral links that earn us compensation, which never affects a card's score or verdict.
United Business
110,000 MileagePlus offer