United Club Business
Credits 9
Every statement credit on this card, how often it comes back and when it resets. Together they’re worth up to $940 a year in cash credits, not counting ones you unlock by spending, points or free nights.
Every month
Up to $12/month January-November on rideshare (December is $18; the extra $6 is tracked separately). Yearly enrollment required; $150 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.
Two $10 Instacart credits each month while Instacart+ is active, each used on its own order of $10 or more from one retailer; unused credits don'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+ (complimentary through 12/31/27)
Every year
Up to $200 back each anniversary year on prepaid ('Pay Now') stays booked through Renowned Hotels and Resorts for United Cardmembers.
December rideshare credit is up to $18 instead of $12; this is the extra $6.
How to activate: Enroll in the rideshare credit in your Chase account each year; credits start the day after you enroll.
$50 in United TravelBank cash on each of your first two Avis or Budget rentals (2+ days) per anniversary year, booked via mileageplustravel.united.com and paid with the card.
Up to $200 in statement credits each anniversary year on flights booked directly with JSX.
Up to $50 back each anniversary year on United FareLock purchases made with the card.
5,000 bonus miles each account anniversary when you also have a personal United card; ~1.2 cents/mile.
Condition: Must also hold a personal United credit card
Two global Economy Plus seat upgrade certificates; ~$40 each conservative value.
Condition: After $40,000 in purchases in a calendar year
Perks 10
Benefits you use rather than credits that post to your statement.
United Club card membership for the primary cardmember plus one adult guest and dependent children under 18 (no Star Alliance lounges). All Access, which adds Star Alliance lounges and a second adult guest, comes with Premier Gold or $50,000 in calendar-year spend.
4 one-time United Club passes per year once you have All Access and an employee card on the account.
First and second standard checked bags free for the primary cardmember and one companion when the ticket is bought with the card.
Priority check-in, security, boarding and baggage handling on United/United Express flights where available.
Free Instacart+ when activated by 12/31/2027, lasting through 12/31/2027 or one year, whichever is longer; then $99/year unless canceled.
Complimentary Avis President's Club for the primary cardmember after enrolling through United's Avis page (up to 7 business days): car-class upgrades, guaranteed cars and faster service.
On Renowned Hotels and Resorts bookings: $100 property credit, daily breakfast for two, Wi-Fi, and a room upgrade and early check-in/late checkout when available.
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 $15 spend (up to 28,000 PQP per calendar 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 Club Business to Premium Finance, 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 16, 2026. Spot something out of date? Tell us.