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The United℠ Business Card is a great value for anyone who flies with United at least a few times per year. Benefits include free checked bags, access to extra award space (only open to United elites and co-brand cardholders), and 5,000 bonus miles every account anniversary if you also hold a United personal card.
So, let's take a closer look at this card to see if it's worth your consideration.
- Earn up to 150,000 bonus miles. Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn an additional 75,000 miles after you spend $20,000 total on purchases in the first 6 months your account is open.
- 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.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent 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.
- Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
- $100 United® travel credit after 7 United® flight purchases of $100 or more each anniversary year.
- 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
Earn up to 150,000 Bonus Miles
The United℠ Business Card is currently offering a bonus of up to 150,000 bonus miles! This is an incredible bonus for a card that offers some great benefits and has such a reasonable annual fee.
United Business Card Feature Benefits
Unlock Hidden Award Space
We've covered this unique benefit of United co-brand cards in depth. Holding the United Business Card allows you to book award tickets with your miles that otherwise wouldn’t be available unless you hold United elite status. The benefit is marketed as “no blackout dates,” meaning you can use miles to grab the last seat available on a flight. The caveat being that these tickets are Everyday Awards and cost a lot more than Saver Awards.
However, what isn’t mentioned directly in the marketing material for this perk is that cardholders also get access to additional saver-level award space. This space is typically reserved for United Premier elite status members.
Free First Checked Bag
If you fly just one round-trip flight per year with a companion, you can recoup the annual fee. The first checked bag will set you back $35 per person each way on domestic flights. That means you can save up to $140 per round-trip flight.
The catch is that you need to pay for the flight using your United Business Card. So, you'll have to forgo the additional points you can earn on other cards. In this case, we think the up to $140 in savings provided by the checked bags almost always outweighs the extra points you could earn swiping another card.
2x United Club One-Time Passes Per Year
Another great perk is the two, one-time United Club passes cardholders receive after opening their account and on the account anniversary each year. These passes used to be issued as paper vouchers that never seemed to be with you when you needed them. Fortunately, United Club passes are now digital. So, you can easily access them from your account or the mobile app as soon as they are credited.
25% Back on Food, Beverage, and Wi-Fi Purchases
Get 25% back as a statement credit on food, beverages, and Wi-Fi purchases made with your United Business Card on United- and United Express-operated flights.
5,000 Bonus Miles If You Also Hold a Personal United Card
United Business Card holders will receive 5,000 bonus miles every account anniversary year if you also hold a personal United co-brand card. The personal card must be in your name for you to receive the bonus 5,000 miles.
$100 United Travel Credit
Each account anniversary year that you make seven or more United travel-related purchases of $100 or more with your United Business Card, you'll receive a $100 statement credit. United travel-related purchases include seat upgrades; Economy Plus; inflight food, beverages, and Wi-Fi; baggage service charges; and other United fees.
The primary cardholder and any travel companions on the same reservation can board United-operated flights before general boarding is called.
Premier Upgrades on Award Tickets
If you are traveling on an award ticket as a MileagePlus Premier member, and you also hold the United Business Card card, you can take advantage of complimentary Premier upgrades on United-operated flights if there are seats available.
Primary Auto Rental Insurance and Roadside Assistance
While these perks don’t typically fall under the feature benefits umbrella, the United Business Card stands out from similar business cards because it offers primary auto rental insurance when renting a vehicle for business purposes. You can also receive roadside assistance up to the value of $50 when driving a car you own or lease (no rentals). You can only claim one service event for the same cause during any consecutive 7-day period.
Points Earning Potential and Category Bonuses
The United Business Card features an easy to understand bonus structure, earning 2 miles per $1 spent on United, local transit and commuting and at gas stations, office supply stores and restaurants. Plus, earn 1 mile per $1 spent on all other purchases.
While the earning structure is easy to understand, the United Business Card is not a card we recommend putting a lot of spend on. The only time it really makes sense to swipe the card is when paying for United tickets to take advantage of the free first checked bag benefit.
We regularly review the best rewards cards for each spending category, and each of the bonus categories assigned to the United Business Card contains cards with higher earn rates, including when paying for United revenue flights.
- Best Rewards Cards for Dining & Restaurants
- Best Credit Cards for Gas & Fuel
- Best Credit Cards for Office Supplies
- Best Rewards Cards for Travel Purchases
Instead, the United Business Card is a card you hold for the perks and benefits, which we cover in detail below.
Best Uses of United MileagePlus Miles
One of the best aspects of the MileagePlus program is the lack of carrier-imposed surcharges on award tickets. United often charges more miles than its Star Alliance counterparts for the same itinerary. However, your out-of-pocket costs are likely to be far less.
For example, many Star Alliance programs charge as much as $250-300 in taxes and fees on a one-way ticket. MileagePlus redemptions tend to fall in the $5.60-50 range.
Many other frequent flyer programs have let these taxes and fees creep higher year after year. United has held its ground and become an industry standout for reasonable out-of-pocket costs. For business owners who can generate plenty of miles through everyday spending, that feature alone makes MileagePlus a great program.
Which MileagePlus Redemptions Provide the Most Value?
Thanks to United's dynamic award pricing, domestic United awards start at just 5,000 miles each way. And there are plenty of options for travel within the U.S. on United miles.
That said, the best return for your United miles will likely be premium cabin international awards, which typically provide a much higher cent-per-mile value than domestic or economy tickets. Some of our favorite United award redemptions include:
- United Excursionist Perk: Only available on a round-trip itinerary. The excursionist perk allows you to make a stopover in the same region as your destination. Essentially, you get a free one-way segment within the destination region. The rules are flexible, which can produce some creative routing if you study the United's region definitions.
- Australia or New Zealand starting at 40K: United charges 40K in economy and 80K in business class for flights to Australia and New Zealand from the U.S. There are plenty of ways you can get to the South Pacific for fewer miles. But United typically has good availability if you book months in advance.
- Lufthansa first-class to Europe from 121K: One of the most aspirational hard products flying from the U.S. You can fly transatlantic in Lufthansa first-class for 121K United miles and tick off a bucket-list experience in the process.
For more details about how to maximize United's frequent flyer program, check out our complete guide to United MileagePlus.
The United Business Card is a business card, so you need to be able to prove you have legitimate business expenses to apply. It's also subject to Chase’s 5/24 policy. That means you won't be approved for this card if you’ve opened 5 or more consumer (personal) credit cards within the last 24 months.
As with all of Chase’s co-brand cards, if you currently hold the United Business Card, or you’ve received a signup 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-brand card, you are still eligible to receive the bonus on the United Business Card, including if you hold this card's predecessor, the United℠ Explorer Business Card, as these are considered separate products.
“This new Cardmember bonus offer is not available to either (i) current Cardmembers of this business credit card, or (ii) previous Cardmembers of this business credit card who received a new Cardmember bonus for this business credit card within the last 24 months.”
It’s a great card to apply for if you’re holding off on personal card applications to get back under 5/24. The United Business Card card won’t add to your 5/24 count, as it only counts consumer cards.
United Business Card Application Strategy
Where does the United Business Card fit into your overall application strategy?
A lot depends on your 5/24 status. If you are well over 5/24, it likely won’t fit into your application strategy at all. However, the opportunity cost of getting back under 5/24 is too high with so many great offers from other issuers.
However, the United Business Card is a top card to consider if you are just starting in your points and miles journey, you’ve recently dropped back under 5/24, or you and a partner plan your application strategy in two-player mode.
- While the United Business Card is subject to 5/24, it won’t count towards your 5/24 total. That means you'll still be able to apply for valuable Chase consumer cards.
- Affordable annual fee. When building out your rewards-card portfolio, limiting yearly fees is essential to maximize the value of your points and miles. With an ongoing cost of just $99, you can hang onto this card for the long haul without the overhead of a premium rewards card.
The inceased offer on the United Business Card of up to 150,000 miles offers plenty of value for United fans.
Cardholders can take advantage of extra award availability, free United Club passes, free checked bags, and plenty of other perks. We see this card as a long-term keeper whose benefits more than account for the annual fee.
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