United Business Card’s Welcome Offer History: 2021 to 2026

If you run a business and frequently fly United, the United℠ Business Card offers a straightforward way to earn MileagePlus miles while unlocking a few practical travel perks. Positioned as United’s entry-level small-business credit card, it’s designed for companies that want airline rewards without paying premium-level annual fees.

Issued by Chase, the United Business card has been part of the United portfolio for several years, serving as a practical option for small-business owners who fly the airline regularly.

Today, we’ll look at when it makes sense to apply for the card, how the welcome offer has evolved over time, and whether this card deserves a place in your business wallet for the long term.

When To Apply for the United Business Card

The United Business card is United’s entry-level small-business rewards credit card, offering a manageable annual fee of $150 and a focused set of airline perks. It earns MileagePlus miles directly, rather than flexible Chase Ultimate Rewards points, meaning you can’t transfer rewards to multiple airline or hotel partners.

If United is your primary airline, that simplicity works well. If you value flexibility, that’s something to consider.

Business owners like this card because it combines modest travel perks with meaningful earning potential. It offers bonus miles on United purchases and common business spending categories, complimentary checked bags, early boarding, and expanded award availability. For companies that regularly book United flights, those built-in benefits can help offset the annual fee with little effort.

The card’s moderate annual fee makes it accessible for newer businesses or those that want United benefits without stepping up to a higher-tier product with extra costs.

The United Business card’s current welcome offer is:

• Earn 100,000 bonus miles and 2,000 PQP after you spend $5,000 in the first 3 months your account is open.

Here’s how that compares to historical public offers:

* Value based on our latest points valuations that peg United MileagePlus miles at 1.2 cents each. This value isn’t provided by the card issuer.

The United Business card’s offers have fluctuated more than you might expect for an entry-level product. For years, the most common offer sat at 75,000 miles after $5,000 in spending. Periodically, that dropped to 50,000 or 60,000 miles during quieter promotional periods.

More recently, offers have become more aggressive. We’ve seen multiple 100,000-mile promotions, a 125,000-mile spike in 2025, and several 150,000-mile tiered structures requiring higher total spending.

LIMITED-TIME OFFER

Terms Apply / Rates & Fees

United℠ Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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.

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

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United℠ Business Card

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

Welcome Offer

Earn 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.

100,000 miles + 2,000 PQP

UP's Offer Valuation*:

$1,200

Annual Fee

$150

APR

19.74% - 28.24% Variable

Credit Recommended

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 card application.

Good to Excellent

Why We Like This Card

The United℠ Business Card is a compelling option for traveling business owners that are also frequent United flyers. Not only will this Chase business 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 & Cons

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

Cons

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

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Card Highlights

• Earn 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
• $150 Annual Fee.
• 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

Financial Snapshot

• APR: 19.74% - 28.24% Variable
• Foreign Transaction Fees: None

The strongest publicly available structure appears to be the 150,000-mile tiered offer, though it required $20,000 in spending over 6 months.

Historically, a typical offer has landed between 75,000 and 100,000 miles. The 125,000-mile and 150,000-mile promotions represent clear peaks.

United Business Card Benefits

The United Business card is a small-business credit card with a few good perks that enhance the United travel experience.

Cardholder benefits include:

• Earn 2x miles on United purchases
• Earn 2x miles on dining, gas stations, office supply stores, and transit
• Earn 1x miles on other purchases
• First checked bag free for the primary cardholder and a companion
• Group 2 boarding on United flights
• 2 United Club one-time passes each year
• 25% back on United inflight purchases
• Expanded award availability
• Annual 5,000-mile “better together” bonus each anniversary when you have this card and a personal United credit card from Chase.
• Earn a $125 United TravelBank credit after making 5 United flight purchases of $100 or more each calendar year with your card.
• Earn 25 PQPs towards United elite status for every $500 you spend on your card (up to 4,000 PQPs in a calendar year).

Final Thoughts

The United Business card remains a solid entry-level option for small-business owners loyal to United. Its welcome offer history shows regular rotation between 75,000 and 100,000 miles, with occasional spikes to 125,000 or more.

As always, the welcome offer should be just 1 factor in your decision. The real value comes from ongoing earning rates, travel perks, and how often your business flies United.

If United is your airline of choice and you want practical benefits without paying for a premium-tier card, the United Business card can deliver steady long-term value.