United Business Card is offering 100,000 points after spending $5000 in 3 months with a $99 annual fee.. That's up 25,000 points over their standard offer of 75,000 points after spending $5000 in 3 months. Offer expires 3/23/25
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 125,000 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 make keeping this card a smart decision.
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 to 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
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 our favorite point system 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 120,000 points.
- 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 | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
---|---|---|---|---|---|
125,000 | $5,000 | 1.3 ¢ | $125 | $150 |
$1665
|
Best Value | Differentiating Perks | Rules |
---|---|---|
Intl Biz Class | 2 United Club Passes Annually, Free Bag for you and a companion, Priority boarding | No CR , 24 from Bonus , 5/24 , Chase 2/30 , Chase 4/6 |
Spend Categories
7X points
9.1¢ Per Dollar Spent
1X points
1.3¢ Per Dollar Spent
2X points
2.6¢ Per Dollar Spent
5X points
6.5¢ Per Dollar Spent
2X points
2.6¢ Per Dollar Spent
2X points
2.6¢ Per Dollar Spent
2X points
2.6¢ Per Dollar Spent
Card Benefits
$100 United travel credit after 7 United flight purchases of $100 or more within each account anniversary year
Get 2 one-time passes annually to the United Club.
You'll receive 5,000 bonus miles each card anniversary when you have both the United Business card and a personal United credit card.
The primary cardholder and companions on the same reservation will be invited to board United-operated flights prior to general boarding.
25% back on food, beverage and Wi-Fi purchases onboard United- and United Express-operated flights
Using this card gives you primary car rental insurance when renting for business purposes.
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
Call 1-800-953-7392 to get complimentary assistance making dinner reservations, buying theater tickets, getting travel guides & sending gifts/flowers.
Free roadside assistance through Cross Country Motor Club at 1-866-860-7978. Up to $50 maximum for each service event, up to 4 events each year, separated by at least 7 days.
The primary cardholder and one companion traveling on the same reservation will each receive their first standard checked bag free.
Chase Luxury resort collection: Includes room upgrades, complimentary daily breakfast for two, early check-in, late checkout, and other amenities at more than 900 luxury hotels and resorts worldwide.
Your new purchases are covered for 120 days against damage or theft, up to $10,000 per claim, and $50,000 per year.
Eligible warranties of 3 years or less can be extended up to 1 additional year.
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.
Your application will be declined if 5 new cards are reported on 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
Ranking of Cards Offering United MileagePlus
Best for Series
Below is a snapshot of where this card performs best compared to the other cards in our database:
Breaking Points

Mini Points - January 2024
- Alaska Airlines Visa limited time offer of 70,000 miles + companion fare after spending $3000 in 3 months, $95 annual fee.
- Marriott Boundless - 5 FREE NIGHTS after spending $5000 in 3 months, $95 annual fee.
- United Business Card - 100,000 Bonus Miles after spending $5000 in 3 months, $95 annual fee.

United Chase Cards Limited Time Offers
- United Business Card - 75,000 Miles after spending $5000 in 3 months, $99 annual fee.
- United Club Business Card - 75,000 Miles after spending $5000 in 3 months, $450 annual fee, with lot's of extras to off-set the annual fee.

Spend Big with United Business Cards - Earn Big
2 New Limited Time offers on United Business Cards:
1. United Business MileagePlus Card - Spend $5000 in 3 months for 75,000 points + another 75,000 points after spending $20,000 in 6 months, that would be 150,000 United points in 6 months - $99/annual fee applies.
2. United Club Business MileagePlus Card - Spend $10,000 in 3 months for 100,000 points - $450/annual fee applies.