^*Terms and Conditions

Earning in the Rewards Program: You'll earn miles on purchases of products and services, minus returns or refunds, made with a United^℠ credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn miles: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 1 mile: You'll earn 1 mile for each $1 spent. 2 miles: You'll earn 2 miles total for each $1 spent (1 additional mile on top of the 1 mile per $1 earned on each purchase) on airline tickets purchased from United, and on the following purchases made from United: seat upgrades; Economy Plus^®; inflight food, beverages and Wi-Fi; baggage service charges or other United fees. Other United related purchases, such as United Cruises^®, United MileagePlus X, DIRECTV^® and Merchandise Awards, are excluded. United tickets booked through some discount travel websites or as part of a third-party travel package will also not qualify. You'll also earn 2 miles total for each $1 spent (1 additional mile on top of the 1 mile per $1 earned on each purchase) on purchases of United Card Events from Chase and in the following rewards categories: restaurants; gas stations; office supply stores; local transit and commuting. 5,000 bonus miles each account anniversary year if you also have a personal United credit card: You'll receive 5,000 bonus miles each account anniversary year if you also have a personal United credit card. In order to receive the anniversary bonus miles, you, as the Authorizing Officer of the United business credit card account, must be the primary cardmember on the personal United credit card. Personal United credit cards include all United credit cards without the word “business” in the name that are issued by JPMorgan Chase Bank, N.A. Member FDIC. Both credit card accounts must be open and not in default on the billing cycle end date after your account anniversary date for your United business credit card. Please allow up to 6 weeks after the month in which you qualify for the bonus miles to become available in your MileagePlus account. Your United business credit card must be open and not in default at the time of fulfillment. “Account anniversary year” means the year beginning with your business credit card account open date through the anniversary of the account open date, and each 12 months after that. Information about earning/transferring miles to United: Miles earned during a billing cycle will be automatically transferred to United after the end of each billing cycle. Losing miles: You'll immediately lose all miles that haven't been transferred to United if your card account status changes, or your card account is closed for program misuse, fraudulent activities, or other reasons described in the terms of the Rewards Program Agreement. For important information about Chase rewards categories, see chase.com/RewardsCategoryFAQs. For more information about the United^℠ Business Card rewards program, you can see the latest Rewards Program Agreement at chase.com/UnitedBusinessCard/RewardsAgreement and it will also be available for cardmembers after logging in to chase.com and will be mailed for new or changed accounts.

$25 Statement Credit for FareLock Purchases: Earn up to a $25 statement credit when your card is used on FareLock purchases for flights operated by United and United Express^® annually. Annual means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. Please allow 6 to 8 weeks for statement credit(s) to post to your account. Statement credits will be issued for the year in which the transaction posts to your account. Delays by United could extend the transaction date beyond the annual period end date and will be allocated towards the following year's annual FareLock statement credit maximum of $25. FareLock is nonrefundable and FareLock prices are not applied to the price of the ticket. To qualify for this statement credit, account must be open and not in default at the time of fulfillment. For more information on FareLock^℠, visit united.com/FareLock.

Earn 2 continental U.S. Economy Plus^® seat upgrades: The Primary Cardmember will earn 2 credits that can be redeemed to upgrade an Economy seat on an eligible continental U.S. flight to an Economy Plus seat after making Purchases totaling $25,000 or more in a calendar year on your United^℠ Business Card. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6-8 weeks for the Economy Plus upgrade certificates to post to your account. To receive Economy Plus upgrades, the primary Cardmember must use their United^℠ Business Card to purchase their ticket(s) and include their MileagePlus^® number in their reservation. Economy Plus Upgrades are valid for Primary Cardmember only and are not transferable. Economy Plus upgrades must be used within 12 months from the issue date. The upgrades are valid for Economy Plus seating (when available) on United and United Express flights within the continental U.S., excluding Alaska and Hawaii. To be eligible to earn Economy Plus upgrades, account must be open and not in default at the time of fulfillment. Chase is not responsible for the provision of, or failure to provide, the Economy Plus upgrades. To see details, visit United.com/EconomyPlus.

Earn $125 United Travel Credit: Earn one $125 United TravelBank cash each calendar year that you make five (5) United flight travel-related purchases, each totaling $100 or more with your United^℠ Business Card. United flight travel-related purchases include seat upgrades; Economy Plus^®; inflight food, beverages and Wi-Fi; baggage service charges or other United fees. Travel credit will be delivered in the form of United^® TravelBank cash and will be added to your MileagePlus account within 6-8 weeks of your 5th United purchase totaling $100 or more posting to your account. Chase is not responsible for the provision of, or failure to provide, the stated benefits and services. United^® TravelBank cash will post directly to your MileagePlus account and will not appear on your credit card statement.

United Travel Credit: United travel credits, in the form of United TravelBank cash, must be used for bookings on a United- or United Express^®-operated flight or as otherwise permitted by United, and the reservation must be made prior to the expiration date of the credit. TravelBank cash may not be combined, transferred, extended beyond expiration date, or re-credited for miles. Each unused award flight credit will expire 12 months after date of issue. TravelBank cash can be used alone or in combination with most other forms of payment. You can't combine TravelBank cash with travel certificates, future flight credit or miles. Flight purchases made with Money + Miles do not qualify for applying TravelBank cash. TravelBank cash credit must be used toward a reservation made within 12 months from the issue date. For more information about TravelBank cash, visit united.com/TravelBankTerms. To qualify and earn your TravelBank cash, your account must be open and in good standing at time of fulfillment. If your credit card account is closed at any time, United reserves the right to remove the unused TravelBank cash from your MileagePlus account. Offer and TravelBank cash rules and regulations are subject to change. Taxes and fees related to travel are the responsibility of the passenger.

$100 Rideshare Statement Credit: Earn up to $8 back as a statement credit each month from January to November and up to $12 back as a statement credit in December when you pay for rideshare purchases using your United^℠ Business Card. That means you can earn up to a maximum accumulation of $100 in statement credits each calendar year. You must enroll to receive this benefit. You will receive this benefit starting the month after enrollment, continuing each month through the end of the calendar year. Please allow 6 to 8 weeks for statement credit(s) to post to your account. Eligible purchases will qualify for this benefit the month enrollment is completed and each month thereafter. Statement credit(s) will be issued for the calendar month in which the transaction posts to your account. Delays by the rideshare service could extend the transaction date beyond the calendar month end date and will be allocated toward the following month's credit amount. To qualify for this statement credit, account must be open and not in default at the time of fulfillment. If your credit card account is closed at any time, United and Chase reserve the right to remove any statement credits that were not posted to your account. For important information about Chase rewards categories, see chase.com/RewardsCategoryFAQs.

Receive one $10 credit per month in the Instacart App: As a United^℠ Business Card Primary cardmember, you can receive one $10 credit in your Instacart account each month you have an active Instacart+ membership after you activate your complimentary Chase Instacart+ membership on instacart.com/Chase from 3/23/2025 through 12/31/2027. Activate a complimentary Chase Instacart+ membership on Instacart.com/chase using your eligible Chase credit card. The monthly credit will be made available to you in your Instacart+ account at the beginning of each month and will only be available on that platform for the remainder of that calendar month; the monthly credit will not roll over into a subsequent month. Each monthly credit is only eligible on one purchase of $10 or more made on Instacart.com with one retailer and using any United Club^℠, United^℠ Explorer, United Quest^℠, United^℠ Business and United Club^℠ Business card. Any unused portion of a monthly credit will not be available for future use. Eligible purchases will qualify for this credit the month your United^℠ Business Card is added to your Instacart account and each month thereafter. To qualify for this credit, your United^℠ Business Card account must be open and not in default at the time of fulfillment. If your credit card account is closed at any time, Instacart, United and Chase reserve the right to remove any unused Instacart credits from your account. Credit will be applied to the total purchase price for all eligible products and excludes taxes, service and delivery fees, tips, special handling fees and/or other fees. Limit 1 credit per order. Excludes restaurant orders powered by Uber Eats. State and Local laws in your area may prohibit alcohol discounts and/or exclude alcohol from this offer's qualifying minimum spend of $10. If the discount isn't applied automatically during checkout, alcohol products may not be eligible for this offer in your location. Credit has no cash value and is non-transferable. Mobile applications, websites and other information provided by Instacart are not within Chase or United Airline's control and may or may not be available in Spanish. Chase and United Airlines are not responsible for the provision of, or the failure to provide, Instacart benefits and services. Credit card product changes during the promotional period will forfeit this offer. Deliveries subject to availability. In order to take advantage of this offer, customers must have a valid account on Instacart.com with their valid United^℠ Business Card on file. Only one offer per household. Instacart reserves the right to modify or cancel this offer at any time. Offer may not be sold, copied, modified, transferred or used retroactively for prior purchases. Void where restricted or prohibited by law. Offer may expire prior to your actual use of the offer, without liability to Instacart. Instacart is not a retailer or seller. Instacart may not be available in all zip or post codes.

Complimentary Instacart+ membership for 3 months then 25% off: You, as the Primary cardmember, can activate this offer using your eligible United^℠ Business Card between 3/23/25 and 12/31/27, to receive three (3) months of complimentary Instacart+ membership beginning on the date you activate this offer and this offer's promotional Instacart+ annual rate. Activate the offer via https://www.instacart.com/p/chase-united or the special offer invitation in your email or account settings.

If you have an existing Instacart+ membership, your existing membership will be paused during the duration of the complimentary term and resume upon expiration of the complimentary term. By activating this offer, you agree to the Instacart+ Terms and that after your complimentary period ends, you will be automatically enrolled at 25% off the then current annual Instacart+ Membership rate (currently $99/year) through 12/31/27, and billed automatically to any active card on file, unless you choose to cancel.

After 12/31/27, your annual membership rate will auto-renew at $99/year, or the then current annual rate. Subscription prices are subject to change. You must pay for your Instacart+ membership using your eligible United^℠ Business Card to receive the promotional rate. If you do not pay with your eligible card, you will be automatically charged $99/year or the then current annual rate. Membership must be activated with a United States address. This offer will replace any previously redeemed Instacart+ discounted membership offer. If you currently have an annual membership that does not automatically renew or you have a monthly membership, you will have the option to update your plan to an auto-renewing annual plan at the promotional discount through 12/31/27 using an eligible card (for United Club, United Explorer, United Quest, United Business and United Club Business cardmembers).

You may cancel your paid subscription by selecting “Cancel Membership” in the “Your Instacart+ Membership” page. You will not be charged if you cancel prior to the end of your complimentary Instacart+ membership period or applicable paid membership start date. You are eligible to receive a refund if you cancel within 5 days of the start of the paid membership term and you have not placed any orders with Instacart+. Benefits of Instacart+ membership include $0 delivery fees on eligible orders. Service and other fees, taxes, and/or tips may apply. This offer is non-transferable. Memberships purchased through third parties are excluded from this offer. If you product change to another Chase credit card during the promotional period, your benefits may end or change. Chase and United Airlines are not responsible for the provision of, or the failure to provide, Instacart+ Membership benefits and services. Your United^℠ Business Card must be open and not in default to maintain eligibility for Instacart+ membership benefits. See full Instacart+ Membership terms and conditions at: instacart.com/terms. This offer is subject to modification or termination at any time without notice.

Up to $100 United Hotels Statement Credit: A statement credit of $50 will be automatically posted to your account for your first and second hotel stays of $50 or more when you book and pay with your card directly through United Hotels, up to a maximum accumulation of up to $100 annually. Annual means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. Please allow 6 to 8 weeks for statement credit(s) to post to your account. Annual statement credits will be issued for the year in which the transaction posts to your account. Delays by the United Hotels property could extend the transaction date beyond the annual period end date and will be allocated towards the following year's annual United Hotels statement credit maximum of $100. To qualify for this statement credit, account must be open and not in default at the time of fulfillment.

Up to $50 Avis or Budget Travel Credit: Earn up to $25 in United TravelBank cash on your first eligible Avis or Budget purchase and up to $25 in United TravelBank cash on your second eligible Avis or Budget purchase when you use your United^℠ Business Card on Avis or Budget rental car purchases made directly through cars.united.com, up to a maximum accumulation of $50 annually. Annual means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. Each eligible Avis or Budget rental must be booked for a minimum of 2 days, and the Primary Cardmember's must include their MileagePlus^® number in their reservation. Travel credit will be delivered in the form of United^® TravelBank cash and will be added to your MileagePlus account within 6-8 weeks after each eligible Avis or Budget rental return. Annual TravelBank cash will be issued for the year in which the transaction posts to your account. Delays by Avis or Budget could extend the transaction date beyond the annual period end date and will be allocated towards the following year's annual Avis or Budget travel credit. Chase is not responsible for the provision of, or failure to provide, the stated benefits and services. United^® TravelBank cash will post directly to your MileagePlus account and will not appear on your credit card statement.

Earn Premier Qualifying Points (PQP): The primary Cardmember will earn 1 Premier Qualifying Point (PQP) for every $20 in net purchases (including purchases made by authorized users) up to a maximum of 4,000 PQP in a calendar year. PQP earn rate, annual cap and qualification requirements for Premier status may vary by MileagePlus program year and MileagePlus Credit Card type. Please allow 6-8 weeks after qualifying purchases for PQP to post to your account. Chase is not responsible for the provision of, or failure to provide, the stated benefits.

$100 JSX Statement Credit: A statement credit will automatically be applied to your account when your card is used to make purchases directly with JSX, up to a maximum accumulation of $100 annually. Annual means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. Please allow 6 to 8 weeks for statement credit(s) to post to your account. Annual statement credits will be issued for the year in which the transaction posts to your account. Delays by JSX could extend the transaction posting date beyond the annual period end date and will be allocated towards the following year's annual JSX statement credit maximum of $100. To qualify for this statement credit, account must be open and not in default at the time of fulfillment.

Free Checked Bag: The primary Cardmember and one traveling companion on the same reservation are each eligible to receive their first standard checked bag free; authorized users are only eligible if they are on the same reservation as the primary Cardmember. To receive first standard checked bag free, the primary Cardmember must use their United^℠ Business Card to purchase their ticket(s) (this purchase requirement is waived for flights completed during the 90 days following the account open date) and include their MileagePlus^® number in their reservation. First standard checked bag free is only available on United- and United Express-operated flights; codeshare partner-operated flights are not eligible. Service charges for oversized, overweight and extra baggage may apply. Cardmembers who are already exempt from other checked baggage service charges will not receive an additional free standard checked bag. Chase is not responsible for the provision of, or failure to provide, the stated benefits. For new primary Cardmembers, please allow 2 weeks after account opening for your first free standard checked bag to be available on eligible United reservations. Please visit united.com/ChaseBag for details.

Anniversary United Club Passes: Two (2) United Club^℠ one-time passes will be deposited into the primary Cardmember's MileagePlus Program account after account opening and every 12 months thereafter as long as the credit card account remains open. Please allow 4 weeks for your United Club passes to be deposited into your MileagePlus Program account. Each pass grants one person; either the primary Cardmember, authorized user, or guests accompanied by the cardmember or authorized user, one-time access to a United Club location subject to United Club terms & conditions (see united.com/UnitedClubRules) and Club access policies (see united.com/UnitedClubAccess) each of which is subject to change, with or without notice. Please allow 3 weeks from the date an authorized user is added before the authorized user redeems a one-time pass without the primary cardmember present. Access is subject to space availability. United Club passes must be presented for admittance to the United Club and can be accessed through the United app or by printing them from your MileagePlus account on united.com. United Club passes issued as a Cardmember benefit have no cash value, cannot be sold, gifted or transferred and cannot be replaced if lost or stolen. Each United Club pass is subject to the expiration date located on the pass. If your credit card account is closed, United and Chase reserve the right to remove the United Club passes from your MileagePlus Program account. Chase is not responsible for the provision of, or failure to provide, United Club amenities.

Priority Boarding: The primary Cardmember and companions traveling on the same reservation are eligible for priority boarding; authorized users are only eligible if they are on the same reservation as the primary Cardmember. To receive priority boarding, the primary Cardmember must include their MileagePlus^® number in their reservation. Priority boarding is only available on United- and United Express-operated flights; codeshare partner-operated flights are not eligible. United^℠ Business Cardmembers can board the plane before general boarding, after MileagePlus Premier^® members, customers with Premier Access^® and travelers requiring special assistance. Chase is not responsible for the provision of, or failure to provide, the stated benefits.

25% back on food, beverage and Wi-Fi purchases on board United and United Express-operated flights and United Club premium drink purchases: You will receive 25% back, in the form of a credit card account statement credit, on purchases of food, beverages and Wi-Fi on board United and United Express-operated flights, and Wi-Fi subscription purchases, when you use your United^℠ Business Card to make such purchases. You will also receive 25% back, in the form of a credit card account statement credit, on premium drink purchases at United Clubs. The statement credit will post to your account within 24 hours of your onboard purchase posting to your account. You will also receive 25% back on food, beverage and Wi-Fi purchases made on board, on Wi-Fi subscription purchases, and on premium drink purchases at United Clubs by authorized users who use your United^℠ Business Card account to make such purchases. To qualify for the 25% back, account must be open and not in default at the time of fulfillment. To find a list of United Club locations, please visit United.com.

No Foreign Transaction Fee: See Cardmember Agreement for details.

Award Availability, Pricing, and Fees: As long as tickets are still available for sale for the applicable cabin on any United-operated flight, MileagePlus members can use miles to book award travel on such flight. Award pricing is subject to change without notice. Awards on partner-operated flights and upgrade awards are subject to limitations and restrictions. Passenger is responsible for all taxes, fees, baggage fees and surcharges applicable to award travel, including, with respect to government imposed taxes and fees, September 11th Security Fee of $5.60 per one-way trip that does not include a government defined stopover, US Customs, Immigration and APHIS User Fees of $17.80 for each international arrival in the U.S.; and non-U.S. government ticket taxes, fees and airport charges may add up to $355 per ticket as of January 1, 2024. Such taxes, fees and surcharges must be paid at the time of ticketing and are subject to change. Chase is not responsible for the provision of, or failure to provide, the stated benefits. Visit united.com/AirAwards for details.

Cardmember Award Pricing: Savings estimate based on cardmember award flight bookings in 2024. When the “Cardmembers Save” banner was present, Cardmembers' award flight pricing was 32% lower than the price a General member without the card would pay for the exact same itinerary. Savings do not apply to government-imposed taxes and fees.

INSTACART^®, the Instacart Carrot logo, the Instacart Partial Carrot logo, and the Instacart Carrot Top logo are trademarks of Maplebear Inc., d/b/a Instacart. Instacart may not be available in all zip or post codes. See Instacart Terms of Service for more details.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

MileagePlus Program Terms and Conditions: Miles accrued, awards, and benefits issued are subject to change and are subject to the rules of the United MileagePlus^® program, including without limitation the Premier^® program (the "MileagePlus Program"), which are expressly incorporated herein. Please allow 6-8 weeks after completed qualifying activity for miles to post to your account. United^® may change the MileagePlus Program including, but not limited to, rules, regulations, travel awards and special offers or terminate the MileagePlus Program at any time and without notice. United and its subsidiaries, affiliates and agents are not responsible for any products or services of other participating companies and partners. Taxes and fees related to award travel are the responsibility of the member. Bonus award miles, award miles and any other miles earned through non-flight activity do not count toward qualification for Premier status unless expressly stated otherwise. The accumulation of mileage or Premier status or any other status does not entitle members to any vested rights with respect to the MileagePlus Program. All calculations made in connection with the MileagePlus Program, including without limitation with respect to the accumulation of mileage and the satisfaction of the qualification requirements for Premier status, will be made by United Airlines^® and MileagePlus in their discretion and such calculations will be considered final. Information in this communication that relates to the MileagePlus Program does not purport to be complete or comprehensive and may not include all of the information that a member may believe is important, and is qualified in its entirety by reference to all of the information on the united.com website and the MileagePlus Program rules. United and MileagePlus are registered service marks. For complete details about the MileagePlus Program, go to united.com.

JPMorgan Chase Bank, N.A. Member FDIC