Chase
UnitedSM Business Card
TravelCash BackBusinessAirlineNo Annual FeeDiningGasNo Foreign Transaction FeesIntro Offer
Key Features
| Annual Fee | $0.00 |
| Regular APR | 19.74Min. of (6.75+12.99) and 29.99%–28.24Min. of (6.75+21.49) and 29.99% variable APR. |
| Network | Visa |
Read the full review
Best for those with
Good Credit
About this card
The UnitedSM Business Card is a decent option for business owners who frequently fly with United Airlines, but it has some drawbacks that prevent a higher rating. The generous signup bonus and high rewards rate on United purchases (7x miles) are attractive, as are the travel perks like free checked bags and United Club passes. However, the $150 annual fee after the first year and the high regular APR (19.74% - 29.99% variable) are significant negatives. The rewards program is heavily skewed towards United, limiting flexibility. While the 2x miles on gas, dining, office supplies, and transit are useful, the 1x mile on all other purchases is not competitive. The card's value proposition hinges on how much the cardholder utilizes the United-specific benefits. Given the average APR rating and the higher fee rating the card is firmly in the Good territory.
3.1
Overall Rating
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Lounge membership
- Automatic elite status
- Free checked bag
Things to consider
- High regular APR
- Annual fee
- Limited rewards categories
What this card offers
Sign-up bonuses
- Earn 75,000 bonus miles + 2,000 Premier qualifying points (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
- 7x total miles on United flights - 5x miles on fare from United as a MileagePlus member, plus 2x miles on entire United purchase with the United Business Card. 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
- 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
Other features
- 2 United Club one-time passes per year
- $125 United travel credit - Receive after making 5 United flight purchases of $100 or more each calendar year with your United Business Card.
- Up to $100 in credits annually - Receive on prepaid hotel stays purchased directly through United Hotels with your United Business Card.
- Up to $100 in credits each calendar year - Enroll to receive on rideshare purchases when paying with your United 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 United Business Card.
- Up to $120 in Instacart credits each calendar year - Receive for purchases made directly through Instacart with your United Business Card. Terms apply.
- Up to $100 in credits annually - Receive on flights purchased directly through JSX with your United Business Card.
- Up to $25 in credits on FareLock purchases annually - Receive when you buy FareLock on a United - or United Express - operated flight.
- 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
- No foreign transaction fees
- United Card Events from Chase and United MileagePlus Exclusive Events
- Employee cards at no additional cost
- Auto Rental Coverage - Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
- Baggage Delay Insurance - Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
- Lost Luggage Reimbursement - Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
- Trip Cancellation and Interruption Insurance - You can be reimbursed up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.
- Trip Delay Reimbursement - If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.
- Purchase Protection - Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
- Extended Warranty Protection - Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
- Visa Concierge - Get complimentary Visa Signature Concierge Service 24 hours a day.
- Chase Pay Over Time lets eligible Chase business card customers break up credit card expenses into manageable payments. No interest - just a fixed monthly fee with plan durations that range from 3-24 months.
- Earn up to 4,000 Premier qualifying points (PQP) – You’ll earn 1 PQP for every $20 you spend on purchases with your Business Card, up to 4,000 PQP in a calendar year.
- MileagePlus miles don't expire
- No blackout dates
Ratings
3.8
3.8
3.9
1.5
3.2