United Business Credit Card Review
Key Takeaways
If you are near your 5/24 limit and want a co-branded United card, the United Business Card is a strong option because it will not count toward your 5/24 status. The card is best suited for travelers who fly United once or twice per year. If you fly United more frequently, the United Club Business Card is likely the better fit. The 75,000 (current special 100,000) point welcome offer, United Club passes, and useful travel and statement credits can help justify keeping this card long term.
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 $200 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
United offers one other business card geared toward more frequent United travelers:
- United Club Business Card: Best for travelers who fly United or its partners 3-4 times (or more) per year. It includes significantly more perks and a full United Club membership, but also carries a much higher $695 annual fee.
Because both are business cards, they do not count toward your 5/24 status, making them useful options for earning points with a Chase airline partner without affecting your personal card eligibility.
If you are still under 5/24 and want a personal United card instead, United also offers four personal cards with annual fees ranging from $0 to $695, giving travelers several options depending on how often they fly United and its Star Alliance partners.
Card Information
Bonus Extra
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Card Extras
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Historical Card Offers
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Estimated Next Offer
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
Best for Series
Below is a snapshot of where this card performs best compared to the other cards in our database:
