Bottom Line
There are so many extras with this card, it's more than worth the $99 annual fee. We suggest you apply when Chase is offering a special sign-up bonus -- which we've seen as high as 100,000 points.
Why You Might Want This Card
Huge Perks for $99
Chase now has 2 power business cards they've co-branded with United. Let’s start with the annual fee on United Business Card. Considering the benefits that come with card, the $99 annual fee is well worth it. When you use the 2 one-time club passes and the first free checked bag, you’ve earned back more than the cost of the annual fee. Additionally, you'll receive on priority boarding, $100 annual United credit after 7 United flight purchases, and 25% back on United in-flight purchases. This card also includes some of those great benefits a lot of the other cards dropped recently, like car rental and travel accident insurance, lost luggage reimbursement and more.
Check out our United Mileage Plus page for more details on United Points.
Exceptions To The Rule
About United MileagePlus
United Airlines MileagePlus is the most flexible rewards program for international flights, especially if you're invested in the Chase ecosystem. They tend to be more available and cost fewer points than Delta or American Airlines. (The biggest exception is Southwest to the Caribbean.)
With a little planning, you can get some fantastic redemption rates. Even if you have the Reserve Card 1.5x multiplier, we usually find better value using United's portal directly. For example, we booked first-class flights to Africa searching the "Business Saver" seats through United and got flights for 80,000 points. That would've cost 250,000 points through the Chase Portal.
Plus, being part of the Star Alliance, points have more flexibility in terms of global destinations, including smaller cities in Asia, Africa and other niche locations. So if you're focusing on international flights and/or Chase transfers, United is a great go-to for flexibility and solid value.
Where United Business Card Fits In This Point Ecosystem
Personal Experience