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
Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee | 1st Year Value |
---|---|---|---|---|---|
100,000 | $5,000 | 1.3 ¢ | $120 | $99 | $1386 |
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
2X points
2.6¢ Per Dollar Spent
1X points
1.3¢ Per Dollar Spent
2X points
2.6¢ Per Dollar Spent
3X points
3.9¢ 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.
Bottom Line
There are so many extras with this card, it's more than worth the $99 annual fee. We suggest you apply when Chase is offering a special sign-up bonus -- which we've seen as high as 100,000 points.
Why You Might Want This Card
Huge Perks for $99
Chase now has 2 power business cards they've co-branded with United. Let’s start with the annual fee on United Business Card. Considering the benefits that come with card, the $99 annual fee is well worth it. When you use the 2 one-time club passes and the first free checked bag, you’ve earned back more than the cost of the annual fee. Additionally, you'll receive on priority boarding, $100 annual United credit after 7 United flight purchases, and 25% back on United in-flight purchases. This card also includes some of those great benefits a lot of the other cards dropped recently, like car rental and travel accident insurance, lost luggage reimbursement and more.
Check out our United Mileage Plus page for more details on United Points.
Exceptions To The Rule
About United MileagePlus
United Airlines MileagePlus is the most flexible rewards program for international flights, especially if you're invested in the Chase ecosystem. They tend to be more available and cost fewer points than Delta or American Airlines. (The biggest exception is Southwest to the Caribbean.)
With a little planning, you can get some fantastic redemption rates. Even if you have the Reserve Card 1.5x multiplier, we usually find better value using United's portal directly. For example, we booked first-class flights to Africa searching the "Business Saver" seats through United and got flights for 80,000 points. That would've cost 250,000 points through the Chase Portal.
Plus, being part of the Star Alliance, points have more flexibility in terms of global destinations, including smaller cities in Asia, Africa and other niche locations. So if you're focusing on international flights and/or Chase transfers, United is a great go-to for flexibility and solid value.
Where United Business Card Fits In This Point Ecosystem
Personal Experience
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
What to Know Before Canceling
This is our card to keep for United... at least until you are eligible for another bonus on this card. You don't need this card to keep your United points.
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.