New Chase United Business credit card adds coupons and elite credit

The Chase United Business credit card has launched with a new set of coupon benefits today, including hotel and rideshare credits similar to those available on other United cards. In 2026, this card will add some bonus Premier Qualifying Points (PQPs) and it now features the capacity to earn more PQPs through spend than before.

United Business card new offer & key card details

Card Offer and Details

United℠ Business Card ⓘ $1455 1st Yr Value Estimate Up to 130K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Up to 130K Miles: 125K miles after $5K spend in first 3 months + 5K miles when you add an employee card in the first 3 months (Offer Expires 5/7/2025)$150 Annual Fee After clicking through, be sure to click the link at the top that says, "Are you a small business owner?" to see the business card offers that include this card. You are not eligible for the bonus if you have received the bonus on this card within the past 24 months. Please note that the United EXPLORER Business card (no longer available) is a different product and does not affect your ability to get the bonus on this card. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some. Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ✦ 2X United ✦ 2X United Hotels ✦ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services Base: 1X (1.3%) Dine: 2X (2.6%) Gas: 2X (2.6%) Office: 2X (2.6%) Other: 2X (2.6%) Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: $125 annual United travel credit after 5 United flight purchases greater than $100 each calendar year ✦ Earn up to 4,000 PQPs per year: 1 PQP per $20 spend ✦ 2 Economy Plus seat upgrade credits after $25K in purchases in a calendar year Noteworthy perks: ✦ Improved economy saver award availability ✦ Unlocks complimentary elite upgrades on award tickets ✦ Free first checked bag ✦ Up to $50 in statement credits for United Hotels purchases up to two times per cardmember year ✦ Up to $100 in rideshare statement credits (up to $8/mo from January to November and up to $12 in December) Priority boarding ✦ No foreign exchange fees ✦ 2 United Club passes per year at anniversary ✦ Free DashPass for one year (must activate by 12/31/27) ✦ Primary auto rental collision damage waiver ✦ Up to $25 in TravelBank cash for eligible Avis or Budget car rentals up to two times per cardmember year ✦ 5,000 bonus miles at anniversary when you have this card and also a personal Chase United credit card. ✦ 25% back as a statement credit on United in-flight and Club Premium drink purchases ✦ One $10 Instacart credit per month when you have Instacart+ ✦ Up to $100 in statement credits annually for JSX purchases Learn more or apply

What’s changing?

At a high level:

Changes:

• Annual fee is now $150 (up from $99)
• Cardholders still receive two United Club one-time passes per year, but those passes now require the primary cardholder or authorized user to be traveling
• $125 United TravelBank credit after five $100+ United flights per calendar year (previously $100 statement credit after 7 United flights of $100 or more per anniversary year)
• Receive 1K PQP per qualification year starting in 2026

Big spend bonuses:

• • Earn 1 PQP per $20 up to 4K per calendar year (previous cap was 1K PQPs)
  • Earn 2 Global Economy Plus seat upgrades after $25K spend  in a calendar year

Coupons / discounts added:

• • $25 FareLock per anniversary year
  • Up to $50 per stay in statement credits for prepaid United Hotels stays up to two times per anniversary year
  • Up to $100 in rideshare statement credits ($8/month January to November; $12/December). Yearly opt-in required.
  • Up to $25 in United TravelBank credit per eligible Avis/Budget rental through cars.united.com up to two times per anniversary year
  • Up to $100 in statement credits for JSX purchases per anniversary year (JSX is a semi-private jet service)
  • 3 month Instacart+ membership, then 25% off
  • Up to $120 in Instacart credits ($10/month) through 12/31/27

Quick analysis

These changes look good on paper, but whether they move the needle on keeping the card through the $51 increase in the annual fee will certainly vary.

The United TravelBank credit might sound like a better deal than the previous benefits since it is worth up to $125 toward United travel and requires fewer United flight purchases, whereas the old benefit only offered $100 and required more flight purchases. However, the old benefit was a statement credit, which provides $100 in real money that you can use any way you wish, whereas the TravelBank credit is United-specific credit that can’t be used for award taxes or travel on codeshare flights and which expires. It’ll certainly be useful for those who regularly buy United airfare, but it isn’t more of an incentive to those who were stretching to meet the previous purchase threshold.

The hotel credit will be fine if you can use it, though I wouldn’t expect to get elite benefits or credit or earn hotel points when booking through United. Furthermore, you won’t have access to discounts like corporate codes or AAA, so you may be paying an inflated rate to use those credits. The rideshare credits are particularly annoying in that they require re-enrollment each year.

All that said, if you focus on using the card regularly for the right kinds of purchases to trigger the credits, you can certainly get more than $150 in value out of the benefits. I can’t imagine spending $25K for Economy Plus seat upgrades, but some will likely appreciate the small boost toward elite status and increased elite earnings if they wanted to have this card anyway, particularly for the annual mileage bonus when holding both a United business and consumer card.

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