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United Business Card — Full Review [2022]

Name: United Business Card — Full Review [2022]
Item: United Business Card
Rating: 3.5
Author: Jarrod West

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"Business card for the United traveler."

A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.

Learn More (at Chase's secure site)

Jarrod West

- UPDATED: September 20, 2022

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.

Pros

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
Complimentary Premier Upgrades
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 500 PQPs towards United status for every $12,000 you spend on your United Business card (up to 1,000 PQP in a calendar year).
Travel and purchase protections

Cons

$99 annual fee
Doesn’t earn transferable rewards
Other United cards are more rewarding for United purchases

United Business Card — Snapshot

Welcome Bonus & Info (Partner Content)
- 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 UnitedSM 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 ClubSM 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.
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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 — Fees

Annual Fee
- $99
Foreign Transaction Fees
$0
Interest Rates
- 18.74% - 25.74% Variable
Late fees
- Penalty APR: Up to 29.99% Variable
Balance Transfers
- 18.74% - 25.74% Variable
- Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance APR
- 27.24% Variable
- Fee: Either $15 or 5% of the amount of each transaction, whichever is greater.

United Business Card - Is It Worth It?

Uniteds new EWR Club — Image Credit: United

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.
Complimentary Premier Upgrades — You and 1 traveling companion are eligible for space-available upgrades when traveling on a United award ticket.
$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 500 PQPs towards United status for every $12,000 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 the MileagePlus Shopping, dine through MileagePlus Dining, or even transfer from Chase Ultimate Rewards-earning cards, 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

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

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.

Featured Image Credit: Chase

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.

Does the United Business card charge an annual fee?

Yes, the United Business card charges a $99 annual fee.

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.

About Jarrod West

Jarrod has been writing about the ins and outs of credit cards and loyalty programs, along with airlines and hotels, for over 6 years. He is regularly called upon to share his expertise on the latest news within the space, and has been featured in publications such as Matador Network, The New York Times, RetailMeNot, and Yahoo! Finance. Jarrod has over 20 credit cards in his wallet and has tested out dozens more in order to vet the very best card options for readers. As he is constantly sampling new cards, Jarrod also earns (and redeems) over 1 million points and miles each year. This allows him to book luxury travel experiences the world over, and save tens of thousands of dollars in the process.

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