Review
Updated
Fact Checked
Nathan Alderman
The United℠ Business Card allows business owners and entrepreneurs to earn rewards on United purchases and other spending. It has a generous welcome offer for cardholders who meet the spending requirements. This card includes valuable benefits like a free checked bag, two United Club℠ passes, an annual travel credit, and priority boarding. Read our full United℠ Business Card review to determine if this is the right business airline card for you.
Apply Now for United℠ Business Card
On Chase's Secure Website.
Apply Now for United℠ Business Card
On Chase's Secure Website.
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Best
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= Excellent
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= Good
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= Fair
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= Poor
= Best
= Excellent
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= Fair = Poor
Apply Now for United℠ Business Card
On Chase's Secure Website.
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR N/A
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.99% - 28.99% Variable
Rewards Earn 2 miles per $1 spent on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.
2x on select categories
Annual Fee N/A
$0 for the first year, then $99
Welcome Offer Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.
Earn 75,000 bonus miles
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This card has a generous welcome offer, earns rewards, and includes valuable perks for United Airlines fliers like a free checked bag, priority boarding, two United Club℠ passes, and an annual $100 travel credit.
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- Sign-up bonus offer
- Free checked bag
- Priority boarding
- Annual travel credit
- 25% back on inflight purchases
- No foreign transaction fee
- Annual fee
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- Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- 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.
- 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 Club℠ one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
Full United Business Card review
This credit card is a good fit for: United loyalists who want an affordable business card that earns rewards, offers bonus miles, and provides valuable perks when flying with United Airlines.
Top perks
The United℠ Business Card includes some notable highlights.
Big sign-up bonus
Earn 75,000 miles after spending at least $5,000 within the first 3 months of account ownership.
The value of United MileagePlus miles depends on how you use them. You can generally get $0.01 to $0.015 per mile. With that in mind, 75,000 bonus miles can be worth $1,000 to $1,500. If you can meet the spending required to earn the additional bonus, it can be worthwhile to get this card.
Read more: Best Sign-Up Bonus Credit Cards
Earn rewards
If you're looking for a credit card that earns rewards in a few different spending categories, this card fits the bill. You'll earn rewards for more than just United Airlines purchases when using your United℠ Business Card. Here's how you'll earn rewards:
- Earn 2 miles per $1 on United purchases
- Earn 2 miles per $1 on dining (including takeout)
- Earn 2 miles per $1 on gas stations, office supply stores, and local transit and commuting purchases
- Earn 1 mile per $1 on other purchases
Free checked bag
As a cardholder, you'll get your first checked bag free. This is available to you and one companion traveling on the same reservation. This perk is available on United-operated flights when purchasing your flight with your United℠ Business Card. This benefit carries a value of up to $35 per person each way.
Priority boarding
You'll be eligible for priority boarding on United and United-Express-operated flights. With this perk, you can board the plane before general boarding and after MileagePlus Premier members, Premier Access travelers, and travelers who need extra assistance. This benefit is also available to companions traveling on the same reservation.
$100 annual credit for travel incidentals
You'll earn a $100 statement credit during each anniversary year you use your card to make seven United flight travel-related purchases. Each eligible purchase must total $100 or more. Eligible purchases include seat upgrades, inflight food and beverages, wifi, baggage charges, and other fees.
25% back on inflight purchases
When you use your United℠ Business Card to make inflight purchases on United-operated flights, you'll receive 25% back as a statement credit. Eligible purchases include food, beverages, and wifi. This perk also applies to premium drink purchases made with your eligible card at United Clubs.
See more: Best Travel Rewards Credit Cards
Anniversary bonus offer
If you have a personal United credit card in addition to the United℠ Business Card, you will earn 5,000 bonus miles each year on your United℠ Business Card anniversary. This is an excellent way to earn bonus miles if you're a United loyalist.
Read more: Best United Credit Cards
Two free one-time United Club℠ passes
You'll be eligible for two free United Club℠ passes. Each pass gives one-time access to a United Club℠ lounge. This perk is available after account opening and again at every card anniversary. These passes usually cost $59, so the benefit carries a value of over $100.
No foreign transaction fees
The United℠ Business Card doesn't charge foreign transaction fees. If you like to travel internationally, you can use this card. Most cards with this fee charge around 3% for every foreign transaction, so a credit card with no foreign transaction fees is a money-saving benefit.
Read more: Best Credit Cards for International Travel
Consumer and travel protections
This credit card includes various consumer and travel protections. Whether you're using your card to make travel purchases or everyday purchases, these perks can be helpful. The United℠ Business Card features the following consumer and travel protections:
- Trip delay insurance
- Trip cancellation/trip interruption insurance
- Baggage delay insurance
- Lost luggage reimbursement
- Auto rental collision damage waiver
- Purchase protection
- Extended warranty protection
Free employee cards
If you need additional cards for employees, you can order them at no extra cost. Employee spending will earn rewards, and you can set up spending limits for each card. This is a nice benefit if you have employees who handle your business spending.
Alternatives to consider
- If you want a United credit card with a higher rewards rate: The United Quest℠ Card has a higher rewards rate for some spending categories. This card also offers perks that can improve your United Airlines flying experience.
- If you want an affordable travel card with a flexible rewards program: The Chase Sapphire Preferred® Card earns rewards in several spending categories, plus the Chase Ultimate Rewards program is flexible, allowing you to redeem points in many ways.
See more options: Best Business Credit Cards
As of May. 08, 2024
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| United℠ Business Card |
United Quest℠ Card |
Chase Sapphire Preferred® Card |
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Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
|
Apply Now for United℠ Business Card
On Chase's Secure Website. |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
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Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
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Welcome Offer: Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99. Earn 75,000 bonus miles |
Welcome Offer: Earn 70,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open. Earn 70,000 bonus miles |
Welcome Offer: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠. 75,000 bonus points |
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Rewards Program: Earn 2 miles per $1 spent on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases. 2x on select categories |
Rewards Program: 21.74% - 28.74% Variable |
Rewards Program: Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases |
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Intro APR: N/A Purchases: N/A Balance Transfers: N/A |
Intro APR: Purchases: N/A Balance Transfers: N/A |
Intro APR: N/A Purchases: N/A Balance Transfers: N/A |
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Regular APR: 21.99% - 28.99% Variable |
Regular APR: 21.99% - 28.99% Variable |
Regular APR: 21.49%-28.49% Variable |
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Annual Fee: N/A $0 for the first year, then $99 |
Annual Fee: $250 |
Annual Fee: N/A $95 |
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Highlights:
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Highlights:
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Highlights:
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Apply Now for United℠ Business Card
On Chase's Secure Website. |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
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The information related to United Quest℠ Card has been collected by The Ascent and has not been reviewed or provided by the issuer.
What could be improved
While the United℠ Business Card has some excellent perks, here's what could be improved.
Annual fee
The United℠ Business Card has an annual fee of $0 for the first year, then $99. While this fee is affordable compared to other business credit cards, it's something to keep in mind. If you're looking for a business credit card without an annual fee, you'll want to look elsewhere.
Suggested credit score
This card is intended for consumers with good to excellent credit. We recommend having a FICO® Score of 670 or higher when applying for the United℠ Business Card. Your credit score isn't the only factor considered when seeking approval for a card. Other factors, such as income and current debt, are also considered.
While this is a business credit card, various businesses may qualify. For example, you could be eligible for a business card if you're a small business owner, entrepreneur, or freelancer.
Remember that because this is a Chase-branded credit card, the 5/24 rule applies. If you've opened five or more credit cards within the last 24 months, you likely won't qualify for this card.
The United Business Card is right for you if:
The United℠ Business Card may be a good option for you if you fly with United Airlines often and are looking for a business credit card that earns rewards and has an affordable annual fee.
If you don't fly with United Airlines often, don't want a card with an annual fee, or aren't a business owner or entrepreneur, this may not be the right airline credit card for you. Check out our best airline credit cards list to learn more about other airline cards that earn rewards.
Our credit card methodology
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
FAQs
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The United℠ Business Card has a $0 introductory annual fee for the first year. The annual fee is $99 per year onward.
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The United℠ Business Card offers two one-time United Club passes per year. You can use these passes to visit United Club airport lounges. However, unlimited airport lounge perks are not included with this business credit card. If you fly often and want to visit United Club lounges without paying additional fees, you may want to consider the United Club Card instead. This credit card includes a complimentary United Club membership.
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The United℠ Business Card may be worthwhile if you fly with United often, want to earn rewards on United purchases and other spending you do with your card, and could benefit from perks like priority boarding, a free checked bag, and the ability to earn 25% back on eligible inflight purchases like wifi and drinks.
Our Credit Cards Experts
Natasha has been a freelance writer since 2015. She specializes in credit card and credit card rewards content. When not busy writing, she's either dreaming up her next credit card rewards redemption or traveling the globe. Her goal is to encourage more people to experience the world around them while making smart financial choices.
Fact Checked
Nathan Alderman
Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.
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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
JPMorgan Chase is an advertising partner of The Ascent, a Motley Fool company. Natasha Gabrielle has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends JPMorgan Chase and Target. The Motley Fool has a disclosure policy.
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