Best in Class
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United Business Credit Card Review
Key Takeaways
If you are at or near your 5/24 and looking for a co-branded United Airlines card, this is a good choice for you. The United Business Card is for those who fly on United once or twice per year. Any more than that, you want to check out the United Club Business card. United is also a partner of Chase, so you can use Ultimate Rewards points to top up points you earn from this card. You can earn several free flights (or a single long-haul flight in business class) with the 75,000 (current special 100,000) point sign-up bonus. There are also valuable credits and perks, both travel and non travel-related, that make the $150 annual fee worthwhile beyond the first year.
Why This Card Could Be Right For You
If you and a companion fly on United once per year, you’ll receive a free first checked bag (worth $160 for two people, round trip) that effectively offsets the $150 annual fee on its own. If you travel light and only carry on, there are other benefits that still might make keeping this card a smart decision depending on your spending and travel habits.
Travel-related perks include:
- Two United Club one-time passes per year (a $100 value)
- Two $50 credits each year on prepaid hotel stays through United Hotels
- Two $25 credits when booking a rental with Avis or Budget (issued as United TravelBank cash, redeemable only for United flights)
- Priority boarding for the cardholder and companions on the same reservation
- 25% back on inflight club and premium drink purchases (including Wi-Fi)
- A 5000-mile anniversary bonus if you also have a personal United credit card
- $100 credit on JSX purchases
- $25 credit for FareLock purchases
Non-travel benefits can also add value:
- A $10 Instacart credit each month, plus three free months of Instacart+ (and 25% off after that)
- An $8 rideshare credit each month, plus $12 in December (up to $100 in potential annual savings)
- Several spending multipliers that help you build more points while working toward your sign-up bonus
When The Usual Advice Doesn't Apply
This card might not be right for you if:
- You don’t fly United at least once per year and won’t benefit from the perks after the first year
- You don’t need the travel-related perks and wouldn’t use services like Instacart or rideshare (it’s not recommended to spend just to use perks you don’t actually need)
What to Know About United MileagePlus
United is a solid option for international flights, especially for business class.
- United has ample cards for collecting large sums of points.
- International business class seats can be found for as low as 60,000 points to South America and 80,000 to Europe.
- They’re a partner in our favorite rewards system, making top offs from Chase Ultimate Rewards both easy and a good value.
- United is also a decent option for domestic flights and standard international fares, but we generally use Southwest, American or Delta for those.
- We save our United points for those long international flights where business class is a difference maker.
How The United Business Credit Card Fits In The United MileagePlus Ecosystem
The United Club Business Card is the other business option for frequent United flyers. We recommend it if you’re loyal to United (or its partners) and fly 3–4 times (or more) per year. It has more perks but also carries a $695 annual fee, which may be worth it depending on your situation.
Because these are both business cards, they won’t count against your 5/24 status, providing another way to build points with a Chase partner without affecting your personal card eligibility. If you’re still under 5/24 and think a United co-branded card is right for you, consider the four personal cards they offer. Annual fees range from $0 to $695, so there’s likely a card that fits your travel habits on United and its Star Alliance partners.
Card Information
Bonus Points
100,000
Minimum Spend
$5,000 / 3mo
Point Value
1.3 ¢
Annual Value
Annual Fee
$150
1st Year Value
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Differentiating Perks
Yearly United Club Passes (2)
Free Checked Bag + 1 Guest
7X on United Flight Purchases
2X on Gas Stations
2X on Office Supply Stores
2X on Local Transit
Card Extras
Extra
Worth/Fit
Est. Value
Total Annual Value
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No extras to display for this card.
Card Benefits
No benefits are available for this card.
Historical Card Offers
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Average Frequency
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Estimated Next Offer
Start Date
Offer Length
Bonus
Minimum Spend
Spend Categories
2.6¢
Per Dollar
Spent
Spent
2.6¢
Per Dollar
Spent
Spent
2.6¢
Per Dollar
Spent
Spent
2.6¢
Per Dollar
Spent
Spent
2.6¢
Per Dollar
Spent
Spent
1.3¢
Per Dollar
Spent
Spent
United Business Application Rules
This business card will not show on your personal credit report, so it won't count against your 5/24 status
If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus.
Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months.
You'll be declined if you apply for a third Chase card of any kind within 30 days
Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months
Point Transfer Options
+7 Lower Value Transfers Show
Best for Series
Below is a snapshot of where this card performs best compared to the other cards in our database:
Rank
6th
Honorable Mention
