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 offerVerified from issuer
Last checked May 14
Personalize
Will you be approved for this card?
Take the 1-minute Approval Predictor and we'll show your odds on every card.
Directed to Chase's secure application · We may earn a commission
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
2.1×
Historical Intelligence
Offer history & timing
Current
110,000
Average
110,000
Tracked High
—
No offer change history on record yet.
Timing Intelligence
Typical offer
The current offer is in line with the typical range for this card (average: 110,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Based on limited history.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Solid
Est. +$1,532 net first-year value
Timing
Typical offer
The current offer is in line with the typical range for this card (average: 110,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Verified from issuer · May 14
Ecosystem
United MileagePlus
MileagePlus miles for United flights, Star Alliance, and partner airlines.
Value
First-year value estimate
Conservative
+$1,092
65% benefit utilization, minimal travel redemptions
Realistic
+$1,532
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$1,972
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$212/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. 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
Verified issuer data
Last verified: 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
Compare & Alternatives
Alternatives
Consider these cards instead
Chase
United Explorer
Similar tier card from Chase worth comparing.
$150/yr
80,000 pts
View review
Chase
United Quest
Step-up option with more premium benefits for heavy travelers.
$250/yr
90,000 pts
View review
Chase
SW Priority
Step-up option with more premium benefits for heavy travelers.
$229/yr
75,000 pts
View review
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 the Excursionist Perk
The 1:1 instant transfer that unlocks Star Alliance partner business class, cheap domestic short-hauls from 10,000 miles, and the Excursionist Perk free one-way — and exactly when to pull the trigger.
Read
United MileagePlus: The Complete 2026 Program Guide
Why MileagePlus is the strongest US-domestic Star Alliance program for Chase UR holders — Excursionist Perk free segment, Polaris transcons at 35-45K, Star Alliance partner backup.
Read
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 OffersChase'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. Not affiliated with or endorsed by any card issuer.
United Business
110,000 MileagePlus offer