AwardWallet receives compensation from advertising partners for links on the blog. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers.
Offers for the United Club℠ Business Card and United℠ Explorer Business Card are not available through this site. Some offers may have expired. Please see our card marketplace for available offers
If you own a small business and regularly fly with United, the The New United℠ Business Card can be a valuable tool in your wallet. More than just a way to earn United miles, this card unlocks perks that can make business travel smoother, more affordable, and even help you climb the elite status ladder.
Benefits like a first checked bag free and two United Club passes each year can easily offset the annual fee. Additionally, cardholders gain access to expanded award availability — a benefit otherwise reserved for United elites — as well as opportunities to earn Premier Qualifying Points (PQPs) through everyday spending.
But is it the best fit for your business? Let’s dive into the United Business Card to see how it compares — and whether the current welcome offer is worth jumping on.
- Earn 75,000 bonus miles and 2,000 PQP 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 $150.
- 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.
- Receive a $125 United travel credit after making 5 United® flight purchases of $100 or more each calendar year with your United℠ Business Card.
- Member FDIC
- Rates & Fees
- 2x on United® purchases
- 2x on local transit and commuting — including train tickets, taxicabs, mass transit, tolls and ride share services
- 2x at gas stations, restaurants and office supply stores
- 1x on all other purchases
Page Contents
- United Business Card Pros
- United Business Card Cons
- United Business Card Welcome Offer
- United Business Card Benefits
- Free checked bag
- Priority boarding
- Annual United Club passes
- 25% back on onboard purchases
- Earn Premier Qualifying Points (PQP) towards status
- Expanded United award availability
- $125 United Travel credit
- 5,000 bonus miles on every cardholder anniversary
- Rideshare credits
- Earn Economy Plus seat upgrades
- Partner perks
- Instacart+ discounts
- Avis and Budget rental car credits
- Access to United Card Events and United Mileage Plus Exclusive Events
- Save on business purchases with Visa SavingsEdge
- Free employee cards
- Insurance protections
- United Business Card Earning Rates
- Redeeming Miles With the United Business Card
- Application Restrictions
- Alternatives to the United Business Card
- Bottom Line
United Business Card Pros
- Priority boarding and first checked bag free.
- Two United Club one-time passes per year.
- Earn a $125 United in travel bank credits after making five eligible United flight purchases per year.
- Earn up to 4,000 Premier Qualifying Points per calendar year at a rate of 1 PQP per $20 spent.
United Business Card Cons
- Charges an annual fee of $0 intro annual fee for the first year, then $150.
- Bonus categories aren't as robust as other business credit cards.
- Earns United miles tied to just a single award program vs. flexible points.
United Business Card Welcome Offer
If approved, applicants for the United Business Card can earn 75,000 bonus miles and 2,000 PQP bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
What's the bonus worth? Consider that, on average, AwardWallet users typically redeem United miles for 1.94¢ apiece. That makes the welcome offer worth around $1,430 toward award travel. That makes it one of the best small-business credit card offers this month!
United Business Card Benefits
The United Business Card includes a long list of appealing benefits. Here's a look at what's available to cardholders.
Free checked bag
Get a free checked bag on United-operated flights when you pay for the flight with this card — whether paying for the flight outright or paying the taxes and fees on an award booking. This benefit is also extended to a companion on your same reservation.
Priority boarding
Get priority boarding (in Group 2) as a cardholder benefit. That's only behind Group 1, which includes those with higher status tiers and those traveling in premium cabins.
Annual United Club passes
The United Business Card comes with two one-time United Club each year. Passes will be deposited directly to your United MileagePlus account.
25% back on onboard purchases
Get 25% back on onboard purchases made with your United Business Card. Purchases eligible for the discount include food, beverage, and Wi-Fi. This statement credit also applies to premium drinks purchased in United Clubs.
Earn Premier Qualifying Points (PQP) towards status
You'll earn 1 PQP for each $20 spent on your card (including purchases made by authorized users) — up to a limit of 4,000 PQPs.
For reference, Premier Silver — United Mileage Plus's lowest elite status tier — requires 6,000 PQP or 15 Premier Qualify Flights (PQF) and 5,000 PQP. That means you can get most of the way toward this intro-level elite status just through card spending.
If you're interested in climbing higher, note that other United credit cards offer a higher cap on PQPs earned through card spending.
Related: How To Earn United Premier Qualifying Points Through Credit Cards
Expanded United award availability
As with other United credit cards, the United Business Card grants cardholders access to additional saver-level award space typically reserved for United elites. Eligible members will see this extra award space flagged as “special member pricing.” Extra award space means a higher likelihood you're able to find an itinerary that fits your travel schedule.
Additionally, United likes to offer cardholder-only award sales. Just by having a United credit card, you can partake in these promotions.
$125 United Travel credit
Cardholders who make five United flight purchases of $100 or more in a year earn an annual $125 travel credit. Eligible purchases include upgrades, Economy Plus upgrades, inflight food, beverage service, Wi-Fi, baggage fees, and other United purchases.
5,000 bonus miles on every cardholder anniversary
Cardholders who have both the United Business Card and a personal United Airlines credit card can take advantage of the ‘Better Together' benefit and receive 5,000 bonus miles each anniversary. Based on what AwardWallet users redeem United miles for, these anniversary miles are worth about $95.
Related: Earn United Premier Qualifying Points Through Credit Card Spending
Receive up to $100 in statement credits on rideshare purchases per year. This perk allows you to earn $8 each month except December, in which you can earn $12.
Earn Economy Plus seat upgrades
Spend $25,000 on your card in a calendar year and earn two continental U.S. Economy Plus seat upgrades.
Partner perks
Chase and United provide cardholders the opportunity to earn a variety of statement credits through partnerships with several companies:
- Up to $100 annually when booking hotel stays directly with United Hotels.
- Up to $25 annually when purchasing FareLock on a United flight to hold your fare price for up to 14 days.
- Up to $100 annually on flights when you purchase directly through JSX, a semi-private hop-on-jet service.
Instacart+ discounts
Receive a complimentary 3-month Instacart Plus membership with 25% off an annual membership thereafter. Cardholders will also receive up to $120 in Instacart credits.
Avis and Budget rental car credits
Earn two $25 United Travel Bank credits when paying with your card for eligible car rentals at Avis and Budget.
Access to United Card Events and United Mileage Plus Exclusive Events
Cardmembers have access to exclusive experiences, previously known as Inside Access from Chase. These programs offer opportunities to explore personal interests and try something new. They include experiences ranging from VIP access at an MLB game to a small culinary experience with a top chef.
Save on business purchases with Visa SavingsEdge
The Visa SavingsEdge program is a simple and easy-to-use program offering two types of savings for Visa business cardholders: Everyday Savings and Instant Savings. Everyday Savings simply requires you to enroll your Visa business card to receive automatic cashback on purchases at participating merchants.
Instant Savings does not require you to enroll in the Visa SavingsEdge program, but you'll need to make a purchase through the Visa SavingsEdge portal. Most savings will range from 2%–5% — but with some luck, you'll occasionally find savings of up to 10%.
Free employee cards
Get employee cards for no additional fee. You can designate preset spending limits to your employee cards as well.
Insurance protections
When paying for purchases with your United Business Card, you'll get the following added protections:
- Baggage delay insurance
- Car rental collision damage waiver
- Lost luggage reimbursement
- Trip cancellation and interruption insurance
- Trip delay reimbursement
- Purchase protection
- Extended warranty protection
United Business Card Earning Rates
Here's how you'll earn miles with the United Business Card:
- 2x on United® purchases
- 2x on local transit and commuting — including train tickets, taxicabs, mass transit, tolls and ride share services
- 2x at gas stations, restaurants and office supply stores
- 1x on all other purchases
Related: Do United Miles Expire?
Redeeming Miles With the United Business Card
United MileagePlus Miles earned on the United Business Card can be redeemed for United Airlines flights and flights on Star Alliance partner airlines.
It's true that Star Alliance partner airlines typically have better redemption rates for flights within the alliance and even on United itself. You can still find sweet spots when redeeming United miles, including the Excursionist Perk. This benefit lets you add an extra flight to a booking without paying extra miles, as long as you follow some simple rules.
Other good uses of your miles include domestic awards that start under 7,000 miles.
While there's no longer a public award chart, we've completed an unofficial United award chart to help you know how many miles you might pay for an upcoming flight.
Related: The Ultimate Guide to United MileagePlus
Application Restrictions
The United Business Card is a business card, so you may need to prove you have a legitimate business to apply. That doesn't require a storefront or a warehouse, though; walking dogs, tutoring, or reselling items on eBay can qualify.
The card is also subject to Chase’s 5/24 policy. You likely won't be approved for this card if you’ve opened five or more consumer (personal) credit cards within the last 24 months, according to what's showing on your personal credit report.
As with all of Chase’s co-branded credit cards, if you currently hold the United Business Card, or you’ve received a sign-up bonus for it in the previous 24 months, you will not be eligible to receive a new cardmember bonus.
However, if you currently hold another United co-branded credit card, you are still eligible to receive the bonus on the United Business Card, including if you hold this card's predecessor, United℠ Explorer Business Card.
It’s a great card to apply for if you’re holding off on personal card applications to get back under 5/24, as applying for the United Business Card won’t add to your 5/24 count — though you have to be under 5/24 to qualify.
Related: Understanding Rewards Credit Card Application Rules and Restrictions
Alternatives to the United Business Card
Before applying for the United Business Card, you may find it helpful to weigh the card against its closest competitors. Here are a few additional quality options:
- If you want an elevated travel experience with United, consider the United Club℠ Business Card. This is a premium card with a $695 annual fee to match, but the perks can be worth it for the right traveler. The main benefit is a complimentary United Club membership — worth roughly $750.
- If you want points you can use with United and other programs, check out the Ink Business Preferred® Credit Card. You'll earn 3X points in more business-related categories than the United Business Card, including travel, shipping, and advertising (3X is limited to the first $150,000 of annual spending in the bonus categories, then 1x). You'll earn Chase Ultimate Rewards points that you can transfer to United, Air Canada Aeroplan, World of Hyatt, and many more. Learn more in our full Ink Preferred review.
- If you want an airline credit card and aren't tied to United, look into the Citi® / AAdvantage Business™ World Elite Mastercard®. You'll earn 2X miles with American Airlines and several business categories, pay no annual fee in the first year, and get a free checked bag on American Airlines flights. You'll also save 25% on inflight purchases and can earn Loyalty Points toward elite status from credit card spending. Our Citi AAdvantage Business Card review has more details.
- 3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
- 1X point per $1 on all other purchases
- Earn 2X miles for every $1 spent on cable and satellite providers
- Earn 2X miles for every $1 spent at gas stations
- Earn 2X miles for every $1 spent on select telecommunications merchants
- Earn 2X miles for every $1 spent on car rentals
- Earn 2X miles for every $1 spent on eligible American Airlines purchases
- Earn 1X mile for every $1 spent on all other purchases
Related: The Best Business Credit Card Offers
Bottom Line
The current offer on the United Business Card of 75,000 bonus miles and 2,000 PQP miles offers plenty of value for United fans. But beyond the welcome bonus, however, cardholders can take advantage of extra award availability, complimentary United Club passes, a first checked bag free, bonus miles, and plenty of other perks. If you fly United for business a few times per year, the benefits — from free checked bags to extra award space and PQP earning — can easily justify the annual fee.
- Earn 75,000 bonus miles and 2,000 PQP 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 $150.
- 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.
- Receive a $125 United travel credit after making 5 United® flight purchases of $100 or more each calendar year with your United℠ Business Card.
- Member FDIC
- Rates & Fees
- 2x on United® purchases
- 2x on local transit and commuting — including train tickets, taxicabs, mass transit, tolls and ride share services
- 2x at gas stations, restaurants and office supply stores
- 1x on all other purchases
For rates and fees of the cards mentioned in this post, please visit the following links: The New United℠ Business Card (Rates & Fees), and Ink Business Preferred® Credit Card (Rates & Fees)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Got approved yesterday for this card via referral from my brother, even though I’m technically 7/24. First time bypassing 5/24 in 5 years. 125k bonus on the revamp days before it ends, and this card is a nice MS “floor” for the Inks P2 and I have.
IF I cancel my United℠ Business Card, how long do I have to wait before applying for a new United℠ Business Card, so I can receive the bonus?
How long do you think this SUP will be around?
Thanks!
We don’t have an end date on this offer yet. But the last time Chase/United offered a 100k bonus on this card was from Jan 25 to Apr 4, 2024 (https://awardwallet.com/blog/chase-credit-card-offer-history/#United_Business_Card). Then they relaunched this offer Jan 31, 2025. So, we hope that it will stick around until April — but we have no way of knowing for sure yet.
I’m not sure exactly how long it takes Chase to reflect that you’re no longer a cardholder. But it’s safe to wait at least 7 days — with 14 days being more on the safe side.
Was this promotion just announced? I’m just wondering how long it will be available. I’m currently working on a SUB, so I can’t apply just yet; but I’m very interested in 100,000 United miles.
Hi Angie, this 100K offer on the card has been available since January 25. We don’t know any end date/change at this time.
Are there any chase cards that are NOT subject to 5/24?
I’m not aware of any Chase cards that aren’t subject to 5/24 at this time
In a normal year, I’d be all over this. But…2020. As I’m rarely traveling now, probably not worth the time and effort.
I have just not been able to understand the rationale behind the $100 travel credit after 7 transactions of $100 or more in travel related expenses. They specifically exclude the actual airfare. Between all the other expenses, it seems like an economy plus purchase and baggage fees are the only expenses that would cross the $100 barrier. I don’t see anyone being able to spend $100 in a single transaction on wi-fi, inflight food & bev or anything else (maybe pet fees). It almost feels like this credit was designed to “NOT” be used by most people (especially someone with elite status is going to have a hard time)
Yes, this new cardmember bonus offer is not available to either: current cardmembers of this business credit card, or previous cardmembers of this business credit card who received a new Cardmember bonus for this business credit card within the last 24 months.
The checked bag fees are simply way too high, sorry.
While I don’t love flying on United, the fact that Chase keeps issuing new versions of the United cards keeps sucking me back in. Just had both personal and biz United cards last year and can already cycle them.
Considering this as United will be starting nonstop service to JNB/Africa from EWR in the spring.
I’d much rather sign up for this card and get the 75k points for free then downgrade at the end of the year than pay $1400+ for 40k points as noted in the other post on buying points
It would be really hard for me to justify being a business to Chase. Especially today when banks are hesitant to extend credit.
However, I agree that spreading your spend over several offers would likely yield a better return.
It just appears these points are getting harder to use every day
I wish they offered 100K for this card.
75K is just a little too little IMHO.
What are the requirements to apply for a United Business Card?
Chase doesn’t publish specific criteria for what qualifies. Chase can be tougher than other issuers about requiring business income, but it’s still possible to get a small business card with a fairly small business. We discuss some tips and myths vs. truth on getting a business card in this post: https://awardwallet.com/blog/how-you-can-get-a-business-credit-card/
Trying to find biz seats for travel in Feb. with ability to use Excursionist is ridiculous. Miles required have certainly increased!
Ít hard to find 100K deals and while the threshold is high I believe it is doable. Thanks for sharing!
Before jumping, you should look a little more because these pandemic days, 100k or even larger deals are around.
Hmmm. Might be time to pull the trigger on this one. Do you also earn additional miles by having this card and using the MPX app? (25% bonus)
The free leg you get on international flights with United really makes this bonus huge. I did Louisville to Naples, Venice to Oslo, and London to DC for 3 people for 180,000(60,000/person) miles last year. What a trip!
That’s really good. How much did you pay in taxes and fees?
Can you get this if you recently cancelled a Sapphire Reserve?
Yes, there shouldn’t be any reason cancelling a CSR card would impact a new United Biz card application as long as you meet the 5/24 eligibility criteria.
The Sapphire is a whole different product line so as long as you didn’t do anything to get blacklisted from Chase, absolutely.
I feel like $10,000 minimum spend is more achievable for a small business as opposed to a mile-and-points gamer who claims they have a business to get the card.
Agreed, it’s do-able, but the 3 month window for the $10k spend really puts the crunch on, unless one has a large purchase or purchases already planned.
Oh boy, $10k spend is too much, esp that a lot of avenues for MS spending are probably no good.
Good to know that only higher level elites and cardholders get access to more award tickets. I thought it was anyone with elite status.
Well, they have come up with more “exclusive” member benefits over the years 🙂
Good bonus, but a high minimum spend requirement.
…ever bigger welcome bonuses for an ever smaller pool of qualified applicants.
The Premier Upgrades on award tickets is interesting though I’m not sure how often you would get to use them as those seats are usually all filled. I also have a question about the 100 dollar United Travel credit: is is required to use the card 7 times with purchases of 100 each time (So at least 700 dollars in purchases) or is 7 uses that make at least 100 dollars total for the 100 credit to be triggered?
The credit requires 7 “United” purchases of $100 or more, so the total spending would be at least $700. For most this would be flight purchases, so you’d probably find it hard to hit exactly $100 on each one.
Would 7 x $100 gift certificates be sufficient?
That is the $100 question! The Card Benefits summary says:
If anyone has experimented with this, please share your experience.
Seven uses of at least $100, but you can shoot for two one way tickets rather than a single round trip.
I’ve looked this deal over, and it seems to be a very workable option. I find the $99 fee doable. It is not always necessary to incur a large cash expenditure to realize good point acquisition. 100k points is a good value..
$10,000 is not a large cash expenditure? Maybe compared to the recent Cap One Biz card offers, but this one is definitely not peanuts.
not sure if I qualify as a business?
@Ron Do you sell things online at any of the popular marketplace websites or apps? Do you plan to? If so, you legitimately qualify as a sole-proprietorship. Remember, your business does not have to turn a profit as you start it up or operate it. In either instance, a biz cc is a good way to keep expenses separate so you can better track your business’ profitability.
Don’t see a lot of 100,000 points offers these days, though $10,000 in spend is pretty hefty. Too bad I’ve had this card before and I’m way above 5/24. I just used up almost all my UA miles, so I’d otherwise go for it. Thanks for the heads up.
$10k in spend could easily be three signup bonuses worth way more than 100,000 miles.
Exactly. Yes, 100k miles is understandably eyeopening at first. However, the large spend should have you pause and do a little math. How many miles are you getting per $1 of spend? Here, I agree that spreading your spend over several offers would very likely yield a better return.
A couple questions:
1. If I already booked flights yesterday on the Chase Portal and also using Singapore to fly UA, will getting this card now allow me to get free bags? I see it says you need to purchase with the card but there’s nothing to pay with the portal. Singapore I did have to pay the $5.60 so I wonder if I could try to get that refunded and pay with the UA card?
2. Is there a non AF card or would I need to go personal card? I don’t know if ill want to keep an AF card.
Thanks for posting, this is interesting! Although spend is a bit steep. Is 100k miles the all time best bonus offer?
Well, very simple math – for 100 K miles I can book 4 nights in my preferred hotel in London, each worth 169 pounds
For just 99 $ fee I can get more than 800 $ in hotel stay
You can book a hotel with United miles? I’m very confused. Booking with United would give at least $1,500 in value. How is only getting $800 from a hotel a good thing?
I do not think that booking hotel nights with miles is a good strategy.
That’s a really, really poor way to use the mailes goldena.
The miles required for overseas hotel bookings updated continuously and reflect the practically real-time foreign exchange rates.
Yes, it may be a poor way to use miles, but if a poor value redemption is still profitable relative to the annual fee paid, then that’s quite the compliment to the offer.