How much is the United Business Card annual fee?

The United Business Card charges $150 a year. Earning back $150 means about $962 a month on dining, where it earns 1.3¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest.

What does the United Business Card earn on dining?

2× on dining, and 1× on spending outside its bonus categories.

Is the United Business Card worth it?

It depends on your mix, not the card. Earning back $150 means about $962 a month on dining, where it earns 1.3¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest. It also carries $320 of credits we can count, but only count them if you would spend that money anyway. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.

What is the United Business Card welcome bonus?

The listed welcome offer is 90,000 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 1.3¢ a point that is about $1,300, before you count the annual fee and whether you would clear the spending requirement for it.

Can I transfer United Business Card points to airlines or hotels?

No. The United Business Card earns United MileagePlus Miles that you redeem for statement credit or shopping rather than transferring to a partner, so its realistic value is about 1.3¢ a point.

Does the United Business Card charge a foreign transaction fee?

No. The United Business Card charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.

Chase

United Business Card

United Business Card costs $150 annual fee and earns up to 2× on dining. It also carries $320 of statement credits a year, which is where a lot of its real value sits. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.

Enter a typical month of spending to see what the United Business Card returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.

Annual fee: $150 annual fee
Best earn rate: 2× dining
Points value: 1.3¢ a point; Cash back value.
Welcome bonus: 90,000 points; About $1,300 if you redeem at 1.3¢ a point, and only if you clear the spending requirement.
Credits a year: $320; What the calculator counts, after discounts for perks most people do not use in full.
Foreign transaction fee: none

What the United Business Card earns

Dining

2×

Gas and EV charging

2×

Transit and rideshare

2×

Flights through the issuer's travel site

2×

Only through the issuer's portal

Flights and hotels booked direct

2×

Other travel

2×

Office supplies

2×

Category	Rate	Conditions
Dining	2×
Gas and EV charging	2×
Transit and rideshare	2×
Flights through the issuer's travel site	2×	Only through the issuer's portal
Flights and hotels booked direct	2×
Other travel	2×
Office supplies	2×

Rates checked with the issuer in October 2026. Spending outside these categories earns 1×. Confirm current terms with the issuer before you apply.

Is the United Business Card right for you?

Enter a typical month. You will see what the United Business Card returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.

Dining Restaurants, takeout, and delivery Groceries U.S. supermarkets, in store Gas and EV charging Gas stations and EV charging Transit and rideshare Trains, buses, rideshare, parking, tolls Streaming Video and music subscriptions Drugstores CVS, Walgreens, and similar Flights and hotels direct Booked directly with the airline or hotel Everything else Shopping, bills, and the rest

Tick this only for credits you would actually use. We count $320 for this card.

Estimated rewards per year, after the annual fee

Capital One Spark Cash Plus Top for your numbers
1× everything else. $150 annual fee.
Rewards $502 · Fee −$150
+$352
United Business Card Top for your numbers
2× dining, 2× gas; 1× everything else. $150 annual fee.
Rewards $446 · Fee −$150
+$296
Delta SkyMiles Gold Business Top for your numbers
2× dining, 2× travel booked direct; 1× everything else. $150 annual fee.
Rewards $412 · Fee −$150
+$262
United Club Business Card Top for your numbers
2× travel booked direct, 2× travel; 1× everything else. $695 annual fee.
Rewards $501 · Fee −$695
−$194

How we estimate

Every rate on this page comes from the card catalog. United Business Card pays 1× on spending outside the bonus categories listed above, and up to 2× on dining.
We value this card's points at 1.3¢ each. Cash back is valued at 1¢.
Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.

One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.

Find your best wallet for all your spending →

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What comes with it

Welcome bonus

90,000 points to 100,000 points

About $1,300 if you redeem at 1.3¢ a point, and only if you clear the spending requirement.

Points and partners

United MileagePlus Miles

Credits and perks

Credit	Sticker value	Counted
Instacart credit Up to $10 a month.	$120	$120
JSX credit	$100	$100
Avis or Budget credit Up to $25 in TravelBank cash on two rentals a year booked through United.	$50	$50
FareLock credit	$50	$50

Sticker value is the full face amount. Counted is what the calculator credits, which is lower where most people do not use the perk in full.

Where this data came from

Checked creditcards.chase.com 2026-10-05. $150 annual fee. 90,000 miles plus 2,000 PQP after $5,000 in 3 months, plus 10,000 more for adding an employee card. 2x on United purchases, gas, dining, office supply stores and local transit; 1x other. The 5x hotel category the row carried was removed from the card's rewards agreement; the $100 United Hotels item is a statement credit, not an earn rate. $125 travel credit, $100 rideshare, $100 hotels, $50 Avis/Budget, $120 Instacart, $100 JSX, free first checked bag, two United Club passes.