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United Business Card Review: Earn Up to 75,000 Bonus Miles and Get Money-Saving United Perks

Review Updated
Natasha Etzel
Author: Natasha Etzel
Natasha Etzel
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Natasha has been a freelance writer since 2015. She specializes in credit card and credit card rewards content. When not busy writing, she's either dreaming up her next credit card rewards redemption or traveling the globe. Her goal is to encourage more people to experience the world around them while making smart financial choices.

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Nathan Alderman
Fact Checked: Nathan Alderman
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The United℠ Business Card allows business owners and entrepreneurs to earn rewards on United purchases and other spending. It has a generous welcome offer for cardholders who meet the spending requirements. This card includes valuable benefits like a free checked bag, two United Club℠ passes, an annual travel credit, and priority boarding. Read our full United℠ Business Card review to determine if this is the right business airline card for you.

Ratings Methodology
United℠ Business Card
Apply Now for United℠ Business Card

On Chase's Secure Website.

United℠ Business Card

Apply Now for United℠ Business Card

On Chase's Secure Website.

United℠ Business Card
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for United℠ Business Card

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.24% - 28.24% Variable

Rewards Circle with letter I in it. 2x miles on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. 1x mile on all other purchases.

2x on select categories

Annual Fee

$99

Welcome Offer Circle with letter I in it. Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.

Earn 75,000 bonus miles

  • This card has a generous welcome offer, earns rewards, and includes valuable perks for United Airlines fliers like a free checked bag, priority boarding, two United Club℠ passes, and an annual $100 travel credit.

    • Sign-up bonus offer
    • Free checked bag
    • Priority boarding
    • Annual travel credit
    • 25% back on inflight purchases
    • No foreign transaction fee
    • Annual fee
    • Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
    • $0 introductory annual fee for the first year, then $99.
    • 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
    • 1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
    • Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
    • Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
    • $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
    • Member FDIC

Full United Business Card review

This credit card is a good fit for: United loyalists who want an affordable business card that earns rewards, offers bonus miles, and provides valuable perks when flying with United Airlines.

Top perks

The United℠ Business Card includes some notable highlights.

Big sign-up bonus

Earn 75,000 miles after spending at least $5,000 within the first 3 months of account ownership.

The value of United MileagePlus miles depends on how you use them. You can generally get $0.01 to $0.015 per mile. With that in mind, 75,000 bonus miles can be worth $1,000 to $1,500. If you can meet the spending required to earn the additional bonus, it can be worthwhile to get this card.

Read more: Best Sign-Up Bonus Credit Cards

Earn rewards

If you're looking for a credit card that earns rewards in a few different spending categories, this card fits the bill. You'll earn rewards for more than just United Airlines purchases when using your United℠ Business Card. Here's how you'll earn rewards:

  • Earn 2 miles per $1 on United purchases
  • Earn 2 miles per $1 on dining (including takeout)
  • Earn 2 miles per $1 on gas stations, office supply stores, and local transit and commuting purchases
  • Earn 1 mile per $1 on other purchases

Free checked bag

As a cardholder, you'll get your first checked bag free. This is available to you and one companion traveling on the same reservation. This perk is available on United-operated flights when purchasing your flight with your United℠ Business Card. This benefit carries a value of up to $35 per person each way.

Priority boarding

You'll be eligible for priority boarding on United and United-Express-operated flights. With this perk, you can board the plane before general boarding and after MileagePlus Premier members, Premier Access travelers, and travelers who need extra assistance. This benefit is also available to companions traveling on the same reservation.

$100 annual credit for travel incidentals

You'll earn a $100 statement credit during each anniversary year you use your card to make seven United flight travel-related purchases. Each eligible purchase must total $100 or more. Eligible purchases include seat upgrades, inflight food and beverages, wifi, baggage charges, and other fees.

25% back on inflight purchases

When you use your United℠ Business Card to make inflight purchases on United-operated flights, you'll receive 25% back as a statement credit. Eligible purchases include food, beverages, and wifi. This perk also applies to premium drink purchases made with your eligible card at United Clubs.

See more: Best Travel Rewards Credit Cards

Anniversary bonus offer

If you have a personal United credit card in addition to the United℠ Business Card, you will earn 5,000 bonus miles each year on your United℠ Business Card anniversary. This is an excellent way to earn bonus miles if you're a United loyalist.

Read more: Best United Credit Cards

Two free one-time United Club℠ passes

You'll be eligible for two free United Club℠ passes. Each pass gives one-time access to a United Club℠ lounge. This perk is available after account opening and again at every card anniversary. These passes usually cost $59, so the benefit carries a value of over $100.

No foreign transaction fees

The United℠ Business Card doesn't charge foreign transaction fees. If you like to travel internationally, you can use this card. Most cards with this fee charge around 3% for every foreign transaction, so a credit card with no foreign transaction fees is a money-saving benefit.

Read more: Best Credit Cards for International Travel

Consumer and travel protections

This credit card includes various consumer and travel protections. Whether you're using your card to make travel purchases or everyday purchases, these perks can be helpful. The United℠ Business Card features the following consumer and travel protections:

  • Trip delay insurance
  • Trip cancellation/trip interruption insurance
  • Baggage delay insurance
  • Lost luggage reimbursement
  • Auto rental collision damage waiver
  • Purchase protection
  • Extended warranty protection

Free employee cards

If you need additional cards for employees, you can order them at no extra cost. Employee spending will earn rewards, and you can set up spending limits for each card. This is a nice benefit if you have employees who handle your business spending.

Alternatives to consider

  • If you want a United credit card with a higher rewards rate: The United Quest℠ Card has a higher rewards rate for some spending categories. This card also offers perks that can improve your United Airlines flying experience.
  • If you want an affordable travel card with a flexible rewards program: The Chase Sapphire Preferred® Card earns rewards in several spending categories, plus the Chase Ultimate Rewards program is flexible, allowing you to redeem points in many ways.

See more options: Best Business Credit Cards

As of Dec. 26, 2024
Image for
Image for
Image for
United℠ Business Card United Quest℠ Card Chase Sapphire Preferred® Card
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Apply Now for United℠ Business Card

On Chase's Secure Website.

Read Review
Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Welcome Offer: Circle with letter I in it. Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.

Earn 75,000 bonus miles

Welcome Offer: Circle with letter I in it. Limited-time Offer: Earn 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.

Earn 70,000 bonus miles

Welcome Offer: Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 bonus points

Rewards Program: Circle with letter I in it. 2x miles on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. 1x mile on all other purchases.

2x on select categories

Rewards Program: Circle with letter I in it. 3x miles on United® purchases. 2x miles on dining, select streaming services & all other travel. 1x mile on all other purchases. Plus, each year, receive up to a $125 United® purchase credit and up to 10,000 miles in award flight credits (terms apply) and earn up to 6,000 Premier qualifying points.

N/A

Rewards Program: Circle with letter I in it. Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Intro APR: Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR:

21.24% - 28.24% Variable

Regular APR:

21.24% - 28.24% Variable

Regular APR:

20.74% - 27.74% Variable

Annual Fee:

$99

Annual Fee:

$250

Annual Fee:

$95

Highlights:

  • Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • $0 introductory annual fee for the first year, then $99.
  • 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
  • 1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
  • Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
  • Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
  • $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
  • Member FDIC

Highlights:

  • Limited-time Offer: Earn 70,000 bonus miles and 500 PQP
  • 3x miles on United® purchases
  • 2x miles on all other travel, dining, and select streaming services
  • 1x mile on all other purchases
  • Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
  • Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and priority boarding
  • Earn up to 6,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
  • Member FDIC

Highlights:

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
  • Member FDIC
Apply Now for United℠ Business Card

On Chase's Secure Website.

Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Show More Arrow graphic to expand and collapse content Show Less Arrow graphic to expand and collapse content

The information related to United Quest℠ Card has been collected by Motley Fool Money and has not been reviewed or provided by the issuer.

What could be improved

While the United℠ Business Card has some excellent perks, here's what could be improved.

Annual fee

The United℠ Business Card has an annual fee of $99. While this fee is affordable compared to other business credit cards, it's something to keep in mind. If you're looking for a business credit card without an annual fee, you'll want to look elsewhere.

Suggested credit score

This card is intended for consumers with good to excellent credit. We recommend having a FICO® Score of 670 or higher when applying for the United℠ Business Card. Your credit score isn't the only factor considered when seeking approval for a card. Other factors, such as income and current debt, are also considered.

While this is a business credit card, various businesses may qualify. For example, you could be eligible for a business card if you're a small business owner, entrepreneur, or freelancer.

Remember that because this is a Chase-branded credit card, the 5/24 rule applies. If you've opened five or more credit cards within the last 24 months, you likely won't qualify for this card.

The United Business Card is right for you if:

The United℠ Business Card may be a good option for you if you fly with United Airlines often and are looking for a business credit card that earns rewards and has an affordable annual fee.

If you don't fly with United Airlines often, don't want a card with an annual fee, or aren't a business owner or entrepreneur, this may not be the right airline credit card for you. Check out our best airline credit cards list to learn more about other airline cards that earn rewards.

Our credit card methodology

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.

FAQs

  • The United℠ Business Card has a $0 introductory annual fee for the first year. The annual fee is $99 per year onward.

  • The United℠ Business Card offers two one-time United Club passes per year. You can use these passes to visit United Club airport lounges. However, unlimited airport lounge perks are not included with this business credit card. If you fly often and want to visit United Club lounges without paying additional fees, you may want to consider the United Club Card instead. This credit card includes a complimentary United Club membership.

  • The United℠ Business Card may be worthwhile if you fly with United often, want to earn rewards on United purchases and other spending you do with your card, and could benefit from perks like priority boarding, a free checked bag, and the ability to earn 25% back on eligible inflight purchases like wifi and drinks.