United Business Card review: Full details - The Points Guy (2024)

United Business Card overview

The United Business Card provides a lot of perks for a sub-$100 annual fee. From a first checked bag free on United Airlines flights to two United Club one-time passes a year and solid travel protections, the card can provide excellent value to small-business owners who travel on United even just a few times each year. Card rating*: ⭐⭐⭐⭐

* Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.

If you have a small business and travel with United (even occasionally), you might want to consider signing up for the United Business Card. This card has a $99 annual fee but its many benefits can be valuable enough to offset it year after year.

The United Business Card earns United MileagePlus miles and provides perks that are specific to United Airlines. For the best chances of approval, you'll want a credit score of 670 or higher.

Here are all the United Business Card benefits you need to know about to decide if it's right for you.

United Business Card welcome offer

The United Business Card is currently offering 100,000 bonus miles after you spend $5,000 on purchases in the first three months your account is open. Based on TPG's valuation of United miles at 1.45 cents each, this bonus is worth about $1,450.

United Business Card review: Full details - The Points Guy (1)

You aren't eligible for the sign-up bonus if you currently have the United Business Card or previously had the United Business Card and received a new cardmember bonus for it within the last 24 months.

However, the United Business Card is considered by Chase to be a distinct product from the no-longer-available United Explorer Business Card and the United Club Business Card. So, if you have or previously had either of these cards, you're still eligible for the sign-up bonus from the United Business Card.

The information for the United Club Business and United Explorer Business have been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

The United Business Card also likely falls under Chase's unpublished 5/24 rule. This means that if you've opened five or more credit card accounts in the last 24 months, you might not be approved for it.

Related: Best business credit cards of 2024

United Business Card benefits

The United Business Card is best suited for small-business owners who are looking for United Airlines benefits and don't have United or Star Alliance elite status.

United Business Card review: Full details - The Points Guy (3)

The primary cardmember and one companion traveling on the same reservation will each receive their first standard checked bag free on United-operated flights. Plus, the primary cardmember and companions on the same reservation will be invited to board United-operated flights before general boarding when the primary cardmember includes their United MileagePlus number.

You'll also get two United Club one-time passes each year, which can come in handy even if you don't have other cards that provide lounge access.

You'll also enjoy the following additional benefits:

  • Annual United travel credit: $100 United travel statement credit after seven eligible United purchases of $100 or more with the United Business Card within an account anniversary year
  • Statement credit on United inflight purchases: 25% back as a statement credit on food, beverages and Wi-Fi aboard United-operated flights when you pay with your United Business Card
  • "Better together" bonus: 5,000 bonus miles each year on your United Business Card anniversary when you have both the United Business Card and a personal Chase United credit card
  • Employee cards: Get employee cards at no additional cost and set individual spending limits on each employee card
  • Expanded award availability: The primary cardholder may see expanded award availability when using miles to book any United-operated flight
  • Earn Premier qualifying points: Get 25 Premier qualifying points (PQPs) for every $500 in card spending, up to 1,000 PQPs in a calendar year, that can be applied up to Premier 1K elite status
  • Travel protections: Trip delay reimbursem*nt, trip cancellation and interruption insurance, baggage delay insurance, lost luggage reimbursem*nt, auto rental collision damage waiver, roadside assistance and travel accident insurance
  • Shopping protections: Purchase protection and extended warranty protection
  • No foreign transaction fees

Business owners who fly United regularly will easily get enough value from these benefits to justify paying the $99 annual fee.

Earning miles with the United Business Card

The United Business Card earns 2 United miles per dollar on the following purchases:

  • United purchases, including tickets, seat upgrades, Economy Plus, inflight food, inflight beverages, inflight Wi-Fi, baggage service charges and other United charges
  • Local transit and commuting
  • Gas stations
  • Office supply stores
  • Restaurants

United Business Card review: Full details - The Points Guy (4)

According to TPG's valuation of 1.45 cents per United mile, you'll get a 2.9% return on these purchases. You'll also earn 1 mile per dollar spent on all other eligible purchases, which is a 1.45% return.

Redeeming miles on the United Business Card

You can use United miles to book award travel on United, other Star Alliance airlines and partner airlines.

United Business Card review: Full details - The Points Guy (5)

It's worth noting that United uses dynamic award pricing rather than award charts. Although this makes it more difficult to determine the price of an award until you're ready to book, dynamic pricing can lead to inexpensive award flights in some situations.

Award charts still exist for using United miles on partner airlines — and there are some sweet spots to be found on these charts. TPG contributor Sarah Hostetler notes that if you fly from the U.S. to Paris (CDG), you could use the Excursionist Perk to get a free one-way flight to Amsterdam (AMS). Your itinerary could look like this:

  • U.S. to Paris
  • Paris to Amsterdam (free)
  • Amsterdam to the U.S.

You'll generally get the most value from your United miles when you use them to book flights, but you can also use United miles to secure an upgrade, purchase inflight Wi-Fi, book hotel stays and car rentals or use them for merchandise, gift cards and once-in-a-lifetime events.

Transferring miles on the United Business Card

You can also transfer your United miles to Marriott Bonvoy at a 1:1 ratio.

United Business Card review: Full details - The Points Guy (6)

However, this is far from the most valuable option, so we recommend avoiding it unless you just need to top off your Marriott balance for a specific redemption.

Related: How to maximize redemptions with United MileagePlus

Which cards compete with The United Business Card?

If you want to earn United miles on your business purchases, the United Business Card has a few notable competitors.

  • If you want a lower annual fee: The personal United Explorer Card offers a marginally lower annual fee that's waived the first year, plus a credit of up to $100 for Global Entry or TSA PreCheck fees every four years and slightly different bonus categories that earn 2 miles per dollar. For more information, read our full review of the United Explorer Card.
  • If you want more benefits: The United Club Business Card has a significantly higher annual fee of $450 but greater United-related benefits, such as a United Club membership for the primary cardholder and an additional free checked bag on United. For more information, read our comparison of the United Business Card and the United Club Business Card.
  • If you want more general rewards: The Ink Business Preferred Credit Card offers the ability to earn valuable Ultimate Rewards points on a variety of business expenses. Your points can then be transferred to 14 airline and hotel partners, including United MileagePlus, or redeemed directly for travel at a rate of 1.25 cents per point through Chase Ultimate Rewards. For more information, read our full review of the United Club Infinite Card.

For additional options, check out our list of the best business credit cards.

The information for the United Club Business has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: 4 reasons someone in your family needs a United credit card

Is theUnited Business Card worth it?

The United Business Card offers various United Airlines perks that allow many small-business owners, freelancers and side hustlers to easily justify the card's $99 annual fee. However, those who rarely fly United will be better off with a more general business credit card.

Bottom line

The United Business Card provides solid travel protections along with its ample benefits, and if you make at least seven purchases of $100 or more with United each year on your card, you'll get a $100 statement credit.

Other perks such as priority boarding and 25% back on inflight purchases can add up over time. If you can get at least $99 of value each year from all of the card's perks, you should consider signing up for the United Business Card.

Apply here: United Business Card

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

United Business Card review: Full details - The Points Guy (2024)

FAQs

United Business Card review: Full details - The Points Guy? ›

United℠ Business Card overview

What credit score do you need for a United business card? ›

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.

What is the best United Airlines business card for miles? ›

The best United Airlines business credit card is the United℠ Business Card because it offers an initial bonus of 75,000 miles for spending $5,000 in the first 3 months. Cardholders can also earn 1 - 2 miles per $1 spent on purchases.

What is the 100000 bonus on the United Club card? ›

United Business Card: Earn 100,000 miles

The United Business Card has doubled its previous welcome bonus offer. Instead of earning 50,000 bonus miles for spending $5,000 in your first three months with the card, you'll earn 100,000 bonus miles for meeting the same spending requirement.

How hard is it to get approved for United credit? ›

United requires your score be in the good to excellent range, with a minimum FICO score of 670. The Club Infinite Card is only available to cardholders with excellent credit and a minimum score of 740.

Can I get a business credit card with 630 credit score? ›

Having fair credit won't stop you from getting a business credit card. Fair or average personal credit is typically considered a FICO score from 630 to 689.

Can I get a business credit card with a 625 credit score? ›

You can get a business credit card with a personal FICO score of 630 or under. However, the best business credit cards usually require at least a score of 700.

How many United miles do I need to upgrade to business class? ›

How many PlusPoints are needed to upgrade United flights
Cabin bookedUpgrade cabinPlusPoints required
EconomyPremium economy.20.
Economy (eligible fares)Polaris business class.40.
Economy (discount fares)Polaris business class.80.
Premium economyPolaris business class.30.
Jan 11, 2024

What is the United 70000 bonus miles card? ›

The United Quest℠ Card now earns 70,000 bonus miles and 500 premier qualifying points after spending $4,000 on purchases in the first 3 months of account opening. This card is geared toward flyers pursuing United elite status, considering the bonus PQPs.

How much is 60000 United miles worth? ›

60,000 United miles are worth about $720. How much are 100,000 United miles worth? 100,000 United miles are worth about $1,200.

What is the United 120k offer? ›

The United Club Infinite Card from Chase has increased its sign-up bonus to 120,000 MileagePlus miles. New cardholders can earn the bonus after they spend $6,000 in the first three months from account opening. The card has a steep annual fee but provides impressive rewards and benefits for frequent United flyers.

What is the United 75k bonus? ›

With this bonus offer, you will qualify and receive 75,000 bonus miles after you make Purchases totaling $5,000 or more during the first 3 months from account opening.

Does United credit card give you lounge access? ›

Before you fly, you, as the primary Cardmember, and your eligible travel companions will enjoy access to all United Club locations and participating Star Alliance affiliated lounges worldwide.* Opens offer details overlay For an updated list of United Club locations and any temporary closures, please visit united.com ...

How many credit cards are too many? ›

Owning more than two or three credit cards can become unmanageable for many people. However, your credit needs and financial situation are unique, so there's no hard and fast rule about how many credit cards are too many. The important thing is to make sure that you use your credit cards responsibly.

Can you use United card immediately after approval? ›

If you get instantly approved, you will be able to use your United Gateway Card straight away, to make online purchases through the United Airlines website. If this isn't your case, you will have to wait until you receive your United Gateway Card in the mail.

How do I get United 1K status? ›

There are two ways to become a United 1K. Here's how to earn United 1K elite status: Earn 24,000 Premier Qualifying Points, or. Earn 18,000 PQP plus 54 Premier Qualifying Flights.

Is United card hard to get? ›

The United Explorer Card requires good credit for approval. As a result, we recommend applying if your credit score is 700 or higher (and the card's terms suit you, of course). You can check your credit score for free right here on WalletHub.

What is the minimum credit score for Chase business credit card? ›

To qualify for Chase's Ink business cards, you must have good to excellent credit, which is defined as a FICO credit score of 670 or above. Although these are business cards, Chase will use your personal credit score when considering your application.

Do I need a business credit card for my LLC? ›

In fact, business credit cards are an excellent way for LLCs to separate business and personal expenses, while building business credit.

How to get accepted for United credit card? ›

The Chase credit card requirements for approval include a Social Security Number, a physical U.S. mailing address, enough income for monthly bill payments, and good or excellent credit score of 700+ in most cases. Applicants also need to be at least 18 years old to qualify.

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