United Business Card
By Alex Compton · Last verified
The Explorer's business sibling, refreshed in 2025 with a deeper credit stack.
Welcome Bonus
100,000
≈$1,200 value
Spend Requirement
$5,000
in 3 months
Annual Fee
$150
No FTF
Credit Score
700+
(Good-Excellent)
Current offer note: Public offer: 90,000 miles plus 2,000 PQP after $5,000 in 3 months, plus 10,000 miles for adding an employee card in 3 months (up to 100,000)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 6 tracked offers going back to 2021, nothing has beaten 100k.
Current offer
100k
All-time high
100k
Typical offer
85k
In place since
April 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 100,000 | $5,000 in 3 mo | Terms reconfirmedPublic offer: 90,000 miles plus 2,000 PQP after $5,000 in 3 months, plus 10,000 miles for adding an employee card in 3 months (up to 100,000) | Chase United Business Card product page → |
| 2026-04 | 100,000 | $5,000 in 3 mo | Bonus increased: 75,000 → 100,000+ 2,000 PQP | Archive record · no attached snapshot |
| 2026-02 | 75,000 | $5,000 in 3 mo | Bonus decreased: 95,000 → 75,000First-year fee waived era | Archive record · no attached snapshot |
| 2025-03 | 95,000 | $5,000 in 3 mo | Bonus increased: 75,000 → 95,000Refresh: $150 AF, new credit stack | Archive record · no attached snapshot |
| 2023-06 | 75,000 | $5,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2021-01 | 75,000 | $5,000 in 3 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
Up to 100k offer (90k + 2,000 PQP after $5k/3mo, +10k employee card), $150 fee and earn rates confirmed; JSX and FareLock credits added
Fields: credits, benefits
Chase United Business Card product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 8xEligible United flightsIncludes base MileagePlus member earn
- 2xOther United purchases, gas, dining, office supplies, local transit
- 1xAll other purchases
Credits ($620/yr stated)
- United travel credit$125
TravelBank cash after 5 United flight purchases of $100+ each calendar year
- United Hotels credit$100
$50 on each of two prepaid stays
- Rideshare credit$100
Yearly opt-in required
- Instacart credit$120
$10 a month; ends 12/31/2027
- Avis and Budget rental credit$50
United TravelBank cash
- JSX credit$100
Flights booked directly with JSX
- FareLock credit$25
Benefits
- ✦Free first checked bag for you and a companion
- ✦2 United Club one-time passes per year
- ✦Group 2 priority boarding
- ✦2 continental U.S. Economy Plus upgrades after $25,000 of spend each calendar year
- ✦5,000-mile anniversary bonus when you also hold a personal United card
- ✦25% back on United inflight and Club premium drink purchases
- ✦Does not appear on personal credit report
Why it earns its spot
- +100k offers are strong for a $150 fee
- +Credit stack can more than repay the fee for United regulars
- +Doesn't add to your 5/24 count
Where it costs you
- −Credits lean on enrollment and specific merchants
- −United miles are mid-tier in value
- −2x categories are unremarkable outside United spend
The Compound Verdict
The most sensible United card for a small business. The bag benefit and travel credit do the heavy lifting, and the recurring 100k offers are the real prize. Apply when the bonus spikes, not at the floor.
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