Chase
UnitedSM Business Card
BusinessTravelAirlineDiningGasNo Foreign Transaction Fees
Key Features
| Annual Fee | $150.00 |
| Regular APR | 19.74 Min. of (6.75+12.99) and 29.99%–28.24 Min. of (6.75+21.49) and 29.99% variable APR. |
| Network | Visa |
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Best for those with
Good Credit
About this card
Considering the individual ratings and reputation analysis, the UnitedSM Business Card receives an overall rating of 3.3. The card's strengths lie in its strong rewards program for United flyers (8x miles on United flights, 2x on select categories), valuable travel perks like free checked bags and United Club passes, and a generally positive reputation, particularly among its target audience. The signup bonus is decent, adding to its initial appeal. However, the card is dragged down by its high APR, which can negate the rewards value if a balance is carried. The $150 annual fee is also a significant factor, requiring frequent United travel to offset. While the fee rating is moderate, the value proposition is heavily skewed towards United, limiting its versatility. The card is a good option for loyal United flyers who can maximize the benefits and avoid carrying a balance, but it's not as compelling for those seeking a more general business travel card.
3.3
Overall Rating
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Lounge membership
- Travel perks
Things to consider
- Annual fee
- High regular APR
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 eligible United flights - 6x miles on the Primary Cardmember's fare from United as a MileagePlus member, plus 2x miles on entire United purchase with 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 per year
- Over a $100 value. Relax in comfort while waiting for your flight with complimentary beverages, snacks, high-speed Wi-Fi and more.
- Over $600 in annual partner credits
- $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 flights 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
- No foreign transaction fees
- United Card Events from Chase and United MileagePlus Exclusive Events
- Employee cards at no additional cost
- Auto Rental Coverage - 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 when baggage is delayed over 6 hours.
- Lost Luggage Reimbursement - provides reimbursement up to $3,000 per covered traveler.
- Trip Cancellation and Interruption Insurance - reimbursed up to $1,500 per covered traveler and $6,000 per trip.
- Trip Delay Reimbursement - covered up to $500 per covered traveler for delays more than 12 hours or requiring an overnight stay.
- Purchase Protection - covers 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 manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less.
- Visa Concierge - complimentary Visa Signature Concierge Service 24 hours a day.
- Contactless - Just Tap To Pay
- 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.
Ratings
4.3
3.7
3.9
1.5
3.1