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United Business Card — Full Review [2024]

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Jarrod West
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Jarrod West

Senior Content Contributor

446 Published Articles 1 Edited Article

Countries Visited: 21U.S. States Visited: 24

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Edited by: Juan Ruiz
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Juan Ruiz

Senior Editor & Content Contributor

113 Published Articles 716 Edited Articles

Countries Visited: 41U.S. States Visited: 28

Juan has extensive experience in writing and editing content related to credit cards, loyalty programs, and travel. He has been honing his expertise in this field for over a decade. His work has been ...
& Kellie Jez
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Kellie Jez

Director of Operations & Compliance

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Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

United℠ Business Card

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.
3.5
Learn More(at Chase's secure site)
  • Earn 75,000 bonus miles

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

  • 21.99% - 28.99% 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.
3.5
Learn More(at Chase's secure site)

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 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.
  • 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 $160 per roundtrip (terms apply), 2 United Club(SM) 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.
  • Member FDIC

Pros

  • $0 introductory annual fee for the first year, then $99.
  • 2x miles per $1 on United purchases
  • 2x miles per $1 on dining
  • 2x miles per $1 at gas stations and office supply stores, and on local transit and commuting
  • 1x mile per $1 all other purchases
  • Free checked bag
  • 2 United Club 1-time passes each year
  • 25% back on United inflight purchases
  • Priority boarding
  • $100 United Annual Travel Credit after you make 7 United flight travel-related purchases, each totaling $100 or more, with your card
  • 5,000 anniversary bonus miles when you have the United Business card and a personal United credit card
  • Employee cards at no added cost
  • Earn 25 PQPs towards United status for every $500 you spend on your United Business card (up to 1,000 PQP in a calendar year).
  • Travel and purchase protections

Cons

  • Doesn’t earn transferable rewards
  • Other United cards are more rewarding for United purchases

Upgraded Points: Expertise You Can Trust

Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.

  • Content by Leading Industry Experts
  • Routine Updates and Fact-Checks
  • First-Hand Credit Card Experience
  • Shared Across 200+ Top Outlets
  • Methodical “U.P. Rating” System
  • 1042+ 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.

Alternative Cards to the United Business Card

United Club℠ Business Card

United Club℠ 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.

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
$900
$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)

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
  • 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.

Ink Business Preferred® Credit Card

100K-POINT OFFER
Ink Business Preferred® Credit 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.

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.

Learn More(at Chase's secure site)
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 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel
100,000 points
$2,000
$95
21.24%-26.24% 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)

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
  • 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 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 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.
  • Member FDIC
Financial Snapshot
  • APR: 21.24%-26.24% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

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:

  • Shipping purchases
  • Advertising purchases made with social media sites and search engines
  • Internet, cable, and phone services
  • Travel

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.

Frequently Asked Questions

What are the benefits of the United Business card?

The United Business card offers several benefits to cardholders like free checked bags, United Club passes, 25% back on United inflight purchases, upgrades on award tickets, priority boarding, the ability to earn extra PQPs, travel and purchase protections, and more.

Is the United Business card worth it?

If you’re a business owner that travels often with United and you’re looking for a card that will both help you earn more United miles and offer added benefits on your United flights, then the United Business card would likely be very worth it for you.

Does the United Business card include lounge access?

The United Business card offers 2 United Club lounge passes each year. If you plan on visiting United Club lounges significantly more than that, then you might want to opt for the United Club Business card as it offers a complimentary United Club membership as a perk of being a cardholder.

Which United Airlines credit card is the best?

That depends on what you are looking for out of your United card. United offers 2 co-branded business cards, the United Business card and the United Club Business card.

The United Business card is better suited for less-frequent travelers who might not fly often enough to earn high levels of United elite status but are looking for a card that can offer them elite-like benefits such as free checked bags, priority boarding, and more.

The United Club Business card, on the other hand, is a premium card that is best suited for very frequent flyers that are also United loyalists. It also offers a complimentary United Club membership, which often justifies the annual fee for most cardholders.

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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