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Chase United Business Benefits & Credits (2026)

Chase United Business gives you $200 in annual credits and perks for a $99 fee. Here's every benefit and how to use it.

$200
Annual value
$99
Annual fee
2.0x
Value vs fee
✅ Worth it if you use the credits. The $200 in benefits comfortably beats the $99 fee — a 2.0x return.
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Every Chase United Business benefit

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2 United Club Passes Per Year

Two United Club one-day passes each anniversary year — access United Clubs and Star Alliance partner lounges at airports worldwide.

How to use: Receive passes via email each anniversary. Present digital or printed pass at any United Club entrance on your travel day.

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First Checked Bag Free

Your first checked bag is free on United-operated flights for you and one companion on the same reservation — saving up to $35 per person each way.

How to use: Book United flights with your Chase United Business card. Bag waiver applied automatically at check-in.

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$100 United Travel Credit

$100

$100 statement credit each anniversary year after making 7 qualifying United flight purchases of $100+ with your card.

How to use: Use your Chase United Business card for at least 7 United flight purchases of $100+ per year. Credit posts automatically after the 7th qualifying purchase.

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25% Back on Inflight Purchases

25% back as a statement credit on eligible United in-flight food, beverage, and Wi-Fi purchases.

How to use: Pay for inflight purchases with your Chase United Business card. 25% credit posts within 6–8 weeks.

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