Chase United Business review
Its best category is transit, at 2.4% back, though other cards earn more there.
- Updated October 17, 2026
- $150 annual fee
- Earns United MileagePlus miles
- 106 cards compared
Who it suits
Chase United Business
- Earns the most on transit: $2.40 back on $100, #29 of 106.
- At United: $2.40 back on $100 (2.4%).
- It costs $150 a year, and U.S. Bank Cash+ Visa Signature, with no annual fee, earns as much or more on transit right now.
Rates change, so verify them with the issuer before you apply.
See if it beats your cards on transitWhere it earns the most
What it earns on a $100 purchase in each category, and where that places it among the 106 cards we track.
| Category | On $100 | Rank |
|---|---|---|
| Dining | $2.40 2.4% | #50 of 106 |
| Groceries | $1.20 1.2% | #88 of 106 |
| Gas | $2.40 2.4% | #36 of 106 |
| Travel | $1.20 1.2% | #77 of 106 |
| Airfare | $1.20 1.2% | #77 of 106 |
| Hotels | $1.20 1.2% | #79 of 106 |
| Transit | $2.40 2.4% | #29 of 106 |
| Streaming | $1.20 1.2% | #80 of 106 |
| Drugstores | $1.20 1.2% | #72 of 106 |
| Online shopping | $1.20 1.2% | #72 of 106 |
| Wholesale clubs | $1.20 1.2% | #71 of 106 |
| Everything else | $1.20 1.2% | #70 of 106 |