United Business
Credits 11
Every statement credit on this card, how often it comes back and when it resets. Together they’re worth up to $740 a year in cash credits, not counting ones you unlock by spending, points or free nights.
Every month
Up to $8/month January-November on rideshare (December is $12; the extra $4 is tracked separately). Yearly opt-in required; $100 per calendar year total.
How to activate: Enroll in the rideshare credit in your Chase account each year; credits start the day after you enroll.
$10 Instacart credit each month on one order of $10+; unused credit doesn't roll over.
How to activate: Activate the free Instacart+ membership with this card on Instacart's Chase United page; keep it active.
Condition: Requires active Instacart+ (3 months complimentary, then 25% off the annual fee)
$10 off one non-restaurant DoorDash order (grocery, convenience, retail) each calendar month while DashPass is active with this card, for DashPass first activated on or after Sep 1, 2026; earlier activations get it once a quarter. Unused discounts don’t roll over.
How to activate: Add the card in the DoorDash app and activate DashPass with it by 12/31/2027, then pay with that card.
Condition: Requires DashPass (12 months complimentary when activated by 12/31/2027, then paid)
Every year
$125 in United TravelBank cash once per calendar year after five United purchases of $100+ each (flights, seat upgrades, Economy Plus, inflight, bag fees); usable only on United/United Express flights and expires 12 months after issue.
Condition: After 5 United purchases of $100 or more each in a calendar year
$50 back on each of your first two prepaid ('Pay Now') United Hotels stays of $50 or more each anniversary year.
December rideshare credit is up to $12 instead of $8; this is the extra $4.
How to activate: Enroll in the rideshare credit in your Chase account each year; credits start the day after you enroll.
$25 in United TravelBank cash on each of your first two Avis or Budget rentals of 2+ days per anniversary year, booked via MileagePlus Travel and paid with the card.
Up to $100 in statement credits each anniversary year on flights booked directly with JSX.
Up to $25 back each anniversary year on United FareLock purchases made with the card.
5,000 bonus miles each card anniversary when both accounts are open and in good standing; ~1.2 cents/mile.
Condition: Must also be primary cardmember on a personal United credit card
Two Economy Plus upgrade certificates (continental U.S.), valid 12 months; ~$30 each conservative value.
Condition: After $25,000 in purchases in a calendar year
Perks 8
Benefits you use rather than credits that post to your statement.
2 one-time United Club passes deposited after account opening and every 12 months thereafter.
First standard checked bag free for the primary cardmember and one companion on the same reservation when the ticket is bought with the card.
Group 2 boarding for the cardmember and companions on the same reservation.
Three months of free Instacart+ when activated by 12/31/2027, then 25% off the $99 annual rate through 12/31/2027 when paid with the card.
12 months of free DashPass when first activated between 2/1/2025 and 12/31/2027, then it renews at the monthly rate unless you cancel.
At least 10% fewer miles on United award flights for the primary cardmember (at least 15% with Premier status); not for Money + Miles.
25% back as a statement credit on United inflight food, drinks and Wi-Fi and on United Club premium drinks paid with the card, including employee cards.
If you have MileagePlus Premier status, you and one companion on the same award reservation can get complimentary Premier upgrades on select United flights, when available.
Also included
- 1 PQP per $20 spend (up to 4,000 PQP per year)
- No foreign transaction fees
Before you apply
Chase’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
Chase usually declines you if you’ve opened 5 or more personal cards from any bank in the last 24 months. This applies to almost every Chase card, personal and business. How 5/24 works
Usually no more than 2 new personal Chase cards in 30 days. A third application within 30 days is usually declined, and you still take the hard pull.
Usually just one new Chase business card in 30 days. A second business application within 30 days is usually declined.
Never miss one of these credits
Add the United Business to Premium IC, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
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Last checked Oct 18, 2026. Spot something out of date? Tell us.