United Business Card Review (2024)

Full Review of United Business Card

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  • Huge bonus

  • Annual miles bonus if you also own a personal United card

  • Annual statement credit opportunity and complimentary United Club passes


  • Fewer free checked bags than other airlines

Pros Explained

  • Welcome Bonus: Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open (offer ends 4/3/2024). The 100,000 miles is worth $2,040, according to The Balance's valuation of United miles at 2.04 cents each—provided you spend $5,000 with the card in the first 3 months of account opening.
  • Annual Points Bonus if You Also Own a Personal United Card: If you have this card—and a personal United credit card, you get 5,000 bonus miles on your anniversary of owning both. Since these miles are worth about $100, and the United Business costs $99, this benefit can justify paying the annual fee.That’s a helpful option for employees who want to keep their business and personal spending separate, and yet be able to combine the miles earned on both cards on one MileagePlus account.
  • Annual Statement Credit Opportunity and Complimentary United Club Passes: After you open your account, as well as on each card anniversary, you receive two one-time passes for United Club lounges, with the passes each worth $59. With their complimentary food, drinks, and Wi-Fi, the lounges are invaluable respites for a stopover or if your flight is delayed.Provided you’ve made seven flight-related expenditures for things like seat upgrades, food, or baggage fees of $100 or more over the course of the year, you’ll also earn a $100 statement credit. That alone would also justify the card’s annual fee.

Cons Explained

  • Fewer Free Checked Bags Than Other Airline Cards: With the United Business card, you and one more person on your itinerary will get one free checked bag. But if you’re flying with a family of four, you’ll still end up paying $35 per bag, each way if everyone checks a bag.Many other airline credit cards offer a free checked bag for more people. The Gold Delta SkyMiles Credit Card from American Express, for instance, provides one free checked bag for up to nine people on one reservation.

Who This Card Is Best For

This card is a great fit for businesses that have United fliers and want an inexpensive card that allows those employees to earn rewards and enjoy welcome, if modest, benefits when flying with the airline. Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open (offer ends 4/3/2024).

The United Business Card is especially well-suited to those who travel on the carrier at least every few months and who also own a personal United card. Making at least seven flight-related expenditures of $100 or more a year allows you to earn an annual $100 statement credit, which helps justify the card’s annual fee. And owning two United cards—one business, one personal—entitles you to 5,000 bonus miles, which are also worth about $100.

This card is also worth considering by businesses who frequently rent cars. When renting for business purposes with this card, you receive primary insurance coverage, a relatively useful perk.

In contrast to the coverage on most credit cards, United pays the upfront cost of any liability you incur while at the wheel of a rental car. That spares the business from having to pony up for the bill until the rental company settles with the insurer of your cars at home, which typically covers damage to cars you rent.

United Business Card's Bonus

Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open (offer ends 4/3/2024).

After you qualify for the bonus, it may take six to eight weeks to post to your United Business card account. Your account must be active and not in default at the time of fulfillment to receive the bonus points.

Rewards Earning Details

You’ll earn 2 miles per dollar spent with United purchases. Eligible United purchases include airline tickets, seat upgrades, Economy Plus upgrades, in-flight food and beverages (for which you also receive 25% back, if you use the card), along with Wi-Fi and baggage service charges. Ineligible United purchases include those on United Cruises and to purchases more miles.

The same 2-miles-per-dollar-spent rate also applies to expenditures on transit and commuting, including taxicabs, mass transit, tolls, and ride-share services, as well as purchases at restaurants, gas stations, and office supply stores. The card earns 1 mile per dollar spent on all other purchases.

There are also two annual rewards, albeit with conditions. You earn 5,000 bonus miles every year in which you own thisUnited business card and a United personal credit card. And you receive a $100 statement credit at the end of every year in which you’ve made 7 United flight purchases over $100.

United's MileagePlus miles don’t expire.

Rewards Redemption Details

Your United miles can be redeemed in many ways, but you usually get the highest value by redeeming miles for premium air travel. The airline can impose blackout dates and limit award seat availability at any time.

If you prefer not to redeem miles for airfare, you can instead use them (typically at a lower value per mile) to book hotels, cruises, and rental cars or to buy merchandise from Apple and other retailers, and to obtain gift cards or experiences. You can also choose to donate them to a charity.

Transferring Points

If you have MileagePlus Premier Gold elite status or higher, you can sign up for RewardsPlus. This program allows you to transfer your United miles to Marriott Bonvoy points at a one-mile to one-point ratio.

How to Maximize Your Rewards

Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open (offer ends 4/3/2024).

Indeed, even after the bonus is earned, continue to put all qualifying United, restaurant, gas station, and office supply store purchases on this card, unless you have other cards that offer richer rewards in these spending categories. Once you’re ready to redeem miles, the most lucrative option is typically to use them for premium award flights. However good a value these are, though, they of course demand a far higher number of miles per flight than redemptions for economy award flights.

United Business Card's Outstanding Benefits

  • Primary auto-rental coverage: When renting for business purposes with this card, you receive primary insurance coverage. That means, in contrast to most credit-card coverage, United pays the cost of any liability you incur while at the wheel of a rental car, rather than you having to do so. As is customary, you must decline the rental company’s collision insurance and charge the entire rental to your card.
  • Baggage delay and lost luggage reimbursem*nt: Baggage delay covers reimbursem*nt for essential purchases for delays over six hours, up to $100 a day for three days. Lost luggage reimbursem*nt covers up to $3,000 per passenger when you or an immediate family member have luggage damaged or lost by the carrier.
  • Trip-delay reimbursem*nt and trip cancellation/interruption insurance: Trip delay reimbursem*nt covers costs such as meals and lodging for delays of more than 12 hours or that require an overnight stay for you and your family up to $500 per ticket. Trip cancellation or interruption insurance covers up to $1,500 per person and $6,000 per trip for pre-paid and non-refundable travel expenses for covered situations such as sickness or severe weather.
  • Two one-time United Club passes: The carrier has more than 45 lounges in airports around the world.
  • 25% back on in-flight food, beverage, and Wi-Fi purchases: On United and United Express-operated flights.

Standard Benefits

  • Free standard checked bag: For the primary cardmember and one companion.
  • Priority boarding: The primary cardmember and companions on the same reservation board United operated flights prior to general boarding.
  • Concierge services
  • Purchase protection
  • Extended warranty protection

Cardholder Experience

J.D. Power’s 2022 U.S. Small Business Credit Card Study awarded Chase, the issuer of this card, with a score of 857. That score is 6 points above the industry average of 851.

You can access your account through the Chase mobile app or call 800-888-8756 to reach a customer service specialist 24/7.

Security Features

If your card is lost or stolen, you can request a new one through Chase's mobile app or by calling Customer Service. You can also temporarily lock your card through the app if you think you misplaced it.

Fees to Watch out For

The United Business card charges a $99 annual fee. Also, a cash advance will cost you more than some competing cards at $15 or 5% of the amount of each transaction, whichever is greater.

Our Verdict

The United Business card offers significant value to travelers who fly United at least every few months. The travel credit for taking seven or more flights within a calendar year and of two complimentary United Club passes are together worth roughly double the card’s $99 annual fee. Overall, you can earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open (offer ends 4/3/2024).

It's also an unusually good card with which to rent a car. That’s because, for business rentals, it offers primary coverage. That is, United/Chase pays the cost of damage for you without having to make a claim with your auto insurance company.

Investopedia Credit Card Rating Methodology

Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.

Overall Star Rating Explained

To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:

We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:

  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable FeesCredit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive InterestMany cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable RewardsCredit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent BenefitsCredit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer ServiceSecurity and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.
United Business Card Review (2024)


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 credit limit for United Club business card? ›

The United Business Credit Card credit limit is $5,000 or more. Everyone who gets approved for United Business Credit Card is guaranteed a credit limit of at least $5,000, and particularly creditworthy applicants could get limits a lot higher than that.

What is the difference between United personal and business credit cards? ›

The personal card offers up to a $100 Global Entry or TSA PreCheck application fee credit every four years. Meanwhile, the business card offers the $100 statement credit each year for making seven United purchases of $100 or more. The biggest difference between the two cards is in the bonus categories.

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

Lisa Cahill, Credit Cards Moderator

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.

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.

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.

Does United Business Class get United Club access? ›

Access to United lounges is primarily available to United Club members, United Polaris business class customers, Star Alliance Gold members and other eligible travelers. United Club membership is available for purchase and prices are based on your current MileagePlus status level (subject to change).

Which credit card gives access to business lounge? ›

Credit cards for airport lounge access
Credit CardAnnual Fee
SBI Advantage Platinum Credit CardRs2,999
Axis Bank Signature Credit CardRs3,000
HDFC Bank Diners Club Black Credit CardRs10,000
ICICI Bank Emeralde Credit CardRs12,000 + GST (Waived off on spending Rs15,00,000 in a year)
6 more rows
Apr 2, 2024

Can you get 2 business credit cards? ›

Though there is no limit to the number of business cards you can apply for, you'll want to take into account that every application initiates a hard inquiry on your credit report.

How much is the United business card annual fee? ›

United℠ Business Card: Basics and benefits

Annual fee: $0 intro for the first year, then $99. Sign-up bonus: Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

What bank does United credit use? ›

United Personal Credit Cards

Sign in to see your best offer. Earn MileagePlus® award miles through our great selection of United credit card products from Chase.

How much is 100k United miles worth? ›

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

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 difference between United business and United Polaris business? ›

United business class is what you're flying when traveling between the U.S. and Latin America or the Caribbean, as well as some U.S. transcontinental flights. United Polaris is the airline's business class product on long-haul international flights.

How much is 60000 United miles worth? ›

How Much United Miles Are Worth
Number of United MilesAverage Value
2 more rows
Mar 9, 2023

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.

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.

Can you have a United Personal and business credit card? ›

$0 introductory annual fee for the first year, then $99. 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.


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