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United℠ Business Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
$0 introductory annual fee for the first year, then $99
21.24% - 28.24% Variable
Good to Excellent Credit Recommended (670-850)
United℠ Business Card
A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The United Business card is a compelling option for traveling business owners that are also frequent United flyers. Not only will the card help you earn more United miles, but it also offers great perks such as free checked bags, priority boarding, a discount on inflight purchases, and much more.
Card Details
Card Snapshot
Welcome Bonus & Info
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.
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Methodical “U.P. Rating
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The ratings for these cards have been determined
by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards
as well as rates and fees are all taken into account. Compensation from the issuer does not affect
our rating. We only recommend products we either use ourselves or endorse.
” System
1094+ Expert Credit Card Guides
Great Card If
Business owners that are frequent United flyers
You want a card that will help you earn more United miles and United elite status
Don’t Get If
You seldom fly with United
You want a card that earns transferable rewards
United Business Card — Is It Worth It?
If you’re a business owner who regularly flies with United and you’re looking for a way to earn more United miles, receive benefits on your United flights, and work towards United elite status, then the United Business card would likely be well worth it for you.
The card even mimics the benefits you’d receive with low-level United elite status by offering free checked bags, priority boarding, and discounts on inflight purchases.
United Business Card Top Benefits
United Business Card Travel Benefits
The United Business card offers several benefits that offer you more value on your United flights:
Free Checked Bags — You and 1 companion on the same reservation will each receive your first checked bag free when you pay for your flight with the United Business card.
2 Annual United Club Passes — Visit a United Club, complimentary, twice each year before your flight.
25% Back on United Inflight Purchases — Receive a statement credit when you use your United card to purchase food, beverages, or Wi-Fi on board.
Priority Boarding — You and any traveling companions will be able to board in Group 2, along with United Premier Silver and Star Alliance Silver members.
$100 United Annual Travel Credit — Each year that you make 7 United flight-related purchases of $100 or more with your United Business Card, you will receive a $100 statement credit. These purchases include seat upgrades, inflight food, beverages, Wi-Fi, baggage service charges, or other United fees.
5,000 Anniversary Bonus Miles — Receive bonus miles when you hold both the United Business card and a personal United credit card.
Up to 1,000 Premier Qualifying Points — Earn 25 PQPs towards United status for every $500 you spend on your United Business Card, up to a maximum of 1,000 PQPs each year.
United Business Card Travel and Purchase Protections
The United Business card offers great travel purchase protections to help keep you covered when things don’t go according to plan:
Rental Car Insurance — Receive primary rental car insurance that covers theft and collision damage to your rental vehicle and kicks in prior to your personal auto insurance.
Trip Delay Coverage — If your flight is delayed by more than 12 hours, or overnight, you’ll be reimbursed up to $500 towards necessary expenses such as lodging and meals.
Trip Cancellation/Interruption Insurance — If you have to cut your trip short or cancel due to covered situations (including severe weather), you’re covered up to $1,500 per person and $6,000 per trip towards non-refundable expenses.
Delayed Baggage Insurance — If your baggage is delayed by more than 6 hours, you’ll be covered up to $100 per day for 3 days towards essentials.
Lost Baggage Insurance — If your baggage is lost, or items inside are damaged by the carrier, you’re covered for up to $3,000.
Extended Warranty Coverage — Products purchased with your card that have extended warranties of 3 years or less will be extended by 1 additional year.
Purchase Protection — Purchases made with the card are covered for up to $10,000 per claim and $50,000 per year in case of theft or accidental damage up to 120 days from the purchase date.
Best Ways To Earn and Redeem Your United Miles
To earn as many United miles as possible, you’ll want to use your new United Business card on all of the purchases that you can. But this isn’t the only way to earn United miles! You can also shop through MileagePlus Shopping, dine through MileagePlus Dining, or even use the Chase transfer partners, which transfer 1:1 to United. Put simply, there are loads of great ways to earn lots of United miles.
Once you’ve got a sizable stash of United miles, next comes deciding how to redeem them. Fortunately, United and its Star Alliance partners have a very robust route network, so your United miles can take you just about anywhere in the world you’d like to go. With that, have a look at some of our favorite ways to redeem your United miles.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The United Club Business card is a great option for frequent United flyers looking for United Club access.
The United Club Business card is a great option for frequent United flyers looking for United Club access.
Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after $5,000 on purchases in the first 3 months your account is open.
50,000 miles
$600
$450
21.99%–28.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card
The United Club℠ Business Card is a premium card option for dedicated United loyalists seeking a card that offers complimentary United Club access, helps them earn and retain status, and doesn’t skip on the benefits.
From free checked bags to upgrades on award tickets and the ability to earn Premier qualifying points, there is plenty to the United Club Business card that United flyers are sure to love.
Pros & Cons
Pros
2x miles per $1 spent on United purchases
1.5x miles per $1 spent on all other purchases
Complimentary United Club membership
Cons
$450 annual fee
Earning rate for United purchases is poor compared to other United cards
Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after $5,000 on purchases in the first 3 months your account is open
Earn 2x miles on United purchases
Earn 1.5x miles on all other purchases
Employee cards at no additional cost
United Club membership — up to a $650 value per year. Relax in comfort while waiting for your flight with complimentary beverages, snacks, high-speed Wi-Fi, and more
Free first and second checked bags for you and a companion, save up to $320 per round-trip
25% back on United inflight purchases
No foreign transaction fees
Financial Snapshot
APR: 21.99%–28.99% Variable
Foreign Transaction Fees: $0
Those who are very frequent United flyers might want to consider the premium United Club Business card. While it does charge a higher annual fee, it offers a complimentary United Club membership, your first and second checked bag free, Premier Access travel services, a 25% discount on United inflight purchases, Avis President’s Club status, and more.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.
90,000 points
$1,800
$95
20.49% - 26.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
Pros & Cons
Pros
3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection
Cons
No elite travel benefits like airport lounge access
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
If you’d prefer a business card that earns transferable rewards, then you should consider the Ink Business Preferred card. With it, you’ll earn 3x points per $1 on the first $150,000 spent in combined purchases in the following categories:
Plus, the card offers great travel and purchase coverages, your points receive a 25% bonus when redeemed through the Chase travel portal, and it offers access to Chase airline and hotel transfer partners — including United.
The information regarding the United Club℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
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