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Chase · creditBusiness
Last updated
Is the United Business worth keeping when the fee hits?
Welcome offer — Offer varies — typically 75,000 miles after $5,000 spend in 3 months Estimated by source
Portal caveat — Chase Travel averages ~5.94% above booking direct; portal redemptions are worth less than the headline rate.
Apply on Chase's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 2× | United purchases Inferred by source |
|---|---|
| 2× | Transit, gas, office supplies & dining Inferred by source |
| 1× | Everything else Inferred by source |
| United TravelBank credit | $200/yr · annual Inferred by source |
|---|
No lounge access.
| Free first checked bag | For you and a companion on United-operated flights Inferred by source |
|---|---|
| 2 United Club day passes / year | Day passes — not ongoing United Club membership Inferred by source |
| Rental car CDW | Primary auto rental coverage (business use) Inferred by source |
|---|---|
| Baggage | Baggage delay protection Inferred by source |
Using United Business at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each transaction, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The United℠ Business Card has a $150 annual fee.
Using its non-spend-gated credits fully, the United℠ Business Card returns about $200 in value against its $150 annual fee — a net of +$50 per year. It can pay for itself if you actually use the credits.
The United℠ Business Card earns 2x on united purchases, 2x on transit, gas, office supplies & dining, 1x on everything else.
No — the United℠ Business Card does not include airport lounge access.
No — the United℠ Business Card has no foreign transaction fee, so it's a good card to use abroad.
Offer varies — typically 75,000 miles after $5,000 spend in 3 months. Welcome offers change frequently — confirm the current one on the issuer's page before applying.