Chase
UnitedSM Business Card
Key Features
| Annual Fee | $150.00 |
| Sign-up Bonus | Up to 110,000 miles + 2,000 PQP |
| Rewards Rate | 1x-8x Miles |
| Regular APR | 19.74%–28.24% variable APR. |
About this card
The UnitedSM Business Card receives an overall rating of 3.9, placing it firmly in the 'Good' to 'Excellent' category. This card is an exceptional choice for its specific target audience: small business owners who are loyal United Airlines flyers and can consistently pay their balance in full. Its strengths are truly outstanding, boasting a very strong Rewards Rating of 4.3 due to exceptional earning rates (up to 8x miles on United flights, 2x on valuable business categories like gas, dining, and office supplies) and a generous sign-up bonus. The card further distinguishes itself with an extensive array of travel benefits and annual credits, which include United Club passes, a free first checked bag, and over $600 in various annual credits. These benefits mean the $150 annual fee, while present, is more than justified, leading to an excellent Fees Rating of 4.1. The card's reputation is robust, praised by experts and users alike for its clear value proposition within the United ecosystem. However, a significant drawback is its 'Poor' APR Rating of 1.5, featuring a high variable APR (19.74%-28.24%) and no introductory APR period. This makes carrying a balance extremely costly and would quickly erode any value gained from rewards and benefits. For businesses that cannot guarantee paying their statement in full each month, this card becomes significantly less attractive. Despite this critical weakness, its strong performance across rewards, benefits, and fees for its niche pushes its rating high, reflecting a product that excels for its intended users while posing a considerable risk for others.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on United flights and business categories
- Extensive travel benefits and perks
- Valuable annual credits for travel and everyday spending
- No additional cost for employee cards
Things to consider
- Annual fee
- High regular APR
- No intro APR period
What this card offers
Sign-up bonuses
- Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP) after qualifying activities.
- Earn 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
- Plus, earn 10,000 bonus miles after you add an employee card to your account in the first 3 months your account is open.
Rewards
- NEW! 8x total miles on United flights - 6x miles on the Primary Cardmember's fare from United as a MileagePlus member, plus 2x miles on entire United purchase with the United Business Card. Mileage earning differs for Basic Economy tickets. Premier members earn even more.
- 2x miles on all other eligible United purchases.
- 2x miles at gas stations
- 2x miles on dining including eligible delivery services.
- 2x miles at office supply stores
- 2x miles on local transit including ride share services, taxicabs, train tickets, tolls and mass transit.
- 1x mile on all other purchases
Other features
- 2 United Club one-time passes each year, a free first checked bag, and over $600 in annual partner credits
- 2 United Club one-time passes per year Over a $100 value. Relax in comfort while waiting for your flight with complimentary beverages, snacks, high-speed Wi-Fi and more.
- $125 United travel credit - Receive after making 5 United flight purchases of $100 or more each calendar year with your UnitedSM Business Card.
- Up to $100 in credits annually - Receive on prepaid hotel stays purchased directly through United Hotels with your UnitedSM Business Card.
- Up to $100 in credits each calendar year - Enroll to receive on rideshare purchases when paying with your UnitedSM Business Card.
- Up to $50 in United travel credits annually - Receive when you book Avis or Budget car rental directly through cars.united.com and pay with your UnitedSM Business Card.
- Up to $120 in Instacart credits each calendar year - Receive for purchases made directly through Instacart with your UnitedSM Business Card. Terms apply.
- Up to $100 in credits annually - Receive on flights purchased directly through JSX with your UnitedSM Business Card.
- Up to $25 in credits on FareLock purchases annually - Receive when you buy FareLock on a United - or United Express - operated flight.
- NEW! Save at least 10% when booking flight with miles. Premier members earn even more.
- Free first checked bag - the primary Cardmember and one traveling companion can each check a first standard bags for free - save up to $160 per roundtrip.
- Earn 2 continental U.S. Economy Plus seat upgrades after spending $25,000 each calendar year.
- Priority boarding - the primary Cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.
- 25% back on United inflight and Club premium drink purchases
- Also, you'll receive a 5,000-mile better-together anniversary bonus when you have the United℠ Business card and a personal United credit card
- Employee cards at no additional cost
- Employee cards let you set individual spending limits and help you earn rewards even faster.