United Business Card review: Full details

The United℠ Business Card (see rates and fees) supplies a plethora of perks for a $150 annual charge. From a primary checked bag free on United Airways flights to ride-hailing assertion credit and extra, the cardboard can present stable worth to the suitable small-business house owners. Nevertheless, some companies might discover it inconvenient to trace the cardboard’s coupon e-book of month-to-month advantages. Card ranking*: ⭐⭐⭐½

* Card rating is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

The United Business Card is a mid-tier card for small companies that use United for flights at the very least a number of instances a 12 months. The cardboard presents perks like a free checked bag and inflight reductions on meals and drinks to assist companies save on ancillary flying charges.

In March, United refreshed its entire credit card portfolio. The United Enterprise Card’s ongoing annual charge rose to $150 (after the primary 12 months)*, however we additionally noticed the introduction of latest assertion credit and improve certificates to ease the sting. These advantages will not be completely geared towards journey, so you may wish to guarantee they suit your spending habits.

For one of the best probabilities of approval, you may need a credit score of 670 or increased. In case you have a small business and journey with United (even sometimes), you may wish to contemplate making use of for the United Enterprise Card.

Listed here are all of the United Enterprise Card advantages you must find out about to resolve if it is best for you.

*Not obtainable.

New United Business Card holders can earn 100,000 bonus miles and a pair of,000 PQP after spending $5,000 on purchases within the first three months of account opening.

Based mostly on TPG’s July 2025 valuations of United miles at 1.3 cents every, this bonus is price $1,300 (not together with the bonus PQPs).

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That is 25,000 miles increased than the usual supply, however not the highest offer we’ve seen. Nevertheless, it is nonetheless a terrific supply to think about should you’ve been eyeing this card.

You are not eligible for this welcome supply should you at the moment have or have had the United Enterprise Card and obtained a welcome bonus for it inside the final 24 months.

Chase considers the United Enterprise Card a definite product from the United Club℠ Business Card and the no-longer-available United Explorer Enterprise Card. So, in case you have or beforehand had both of those playing cards, you are still eligible for the welcome bonus on the United Enterprise Card.

The United Enterprise Card additionally probably falls below Chase’s unpublished 5/24 rule. When you’ve opened 5 or extra private bank card accounts within the final 24 months, you won’t be authorised for it.

The knowledge for the United Membership Enterprise and the United Explorer Enterprise has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

Associated: Best credit card welcome offers

The United Business Card is greatest fitted to small-business house owners with out United or Star Alliance standing in search of United Airways advantages.

This card can definitely fulfill that want with the next United-linked advantages:

• First checked bag free: Get the primary checked bag free as the first cardmember and for a companion touring on the identical reservation on United-operated flights.
• Precedence boarding: Get priority boarding as the first cardmember and for a companion. When you do not like gate-checking your carry-on as a result of the overhead house is full, this perk will aid you keep away from that.
• Two one-time United Club passes annually: Word that these can solely be utilized by the first cardmember, a licensed person or a visitor touring with both kind of cardmember.
• FareLock assertion credit score: Earn as much as $25 in assertion credit yearly after buying FareLock for a United flight utilizing the United Enterprise Card.
• United journey credit score: Earn $125 in United TravelBank money after 5 $100-plus United flight purchases per calendar 12 months.
• Financial system Plus seat upgrades: Earn two continental U.S. Financial system Plus seat upgrades after spending $25,000 in a calendar 12 months.
• Low cost on United inflight purchases: Obtain 25% again as an announcement credit score on eligible inflight United purchases whenever you pay along with your United Enterprise Card.

Other than the United-related advantages, this card presents a set of assertion credit to assist offset its annual charge. These credit might be helpful for enterprise house owners, however their usefulness relies upon solely in your spending habits and service provider preferences.

These assertion credit embody:

• As much as $100 United Inns assertion credit score: Obtain $50 in assertion credit in your first and second pay as you go resort stays bought by way of United® Inns utilizing your United Enterprise Card every anniversary 12 months.
• Journey-hailing credit score: Obtain as much as $8 every month (as much as $12 in December) in ride-hailing assertion credit for a complete of $100 every calendar 12 months. Yearly enrollment is required. Chase has a broad definition of what counts as a ride-hailing service. Meaning this credit score will likely be extra versatile for your enterprise than the ride-hailing credit provided by different issuers, like American Specific.
• United journey credit score by way of automotive rental: Earn as much as $25 in United TravelBank money per eligible Avis/Price range rental when reserving by way of vehicles.united.com. This profit is proscribed to 2 $25 United TravelBank credit per anniversary 12 months.
• JSX assertion credit score: Earn as much as $100 in assertion credit every anniversary 12 months when making JSX purchases immediately with the airline. JSX presents a semiprivate flying expertise at industrial fares, so it might be price exploring for a particular firm journey.
• Instacart+ membership and assertion credit: Obtain a complimentary Instacart+ membership for 3 months, then a 25% discounted annual plan. Cardholders also can earn as much as $10 per thirty days ($120 every calendar 12 months) in Instacart credit on purchases made with the United Enterprise Card. (These advantages finish Dec. 31, 2027).

General, the assertion credit and advantages are helpful however require monitoring and monitoring. The simplest assertion credit to make use of are the ride-hailing credit score and the $125 United TravelBank money.

Companies will discover no worth within the JSX and Instacart credit if they do not use these companies organically. Happily, your enterprise can nonetheless get constructive worth from this card’s annual charge by way of its different advantages.

You will additionally get pleasure from the next further advantages:

Enterprise house owners who fly United frequently will simply get sufficient worth from these advantages to justify paying the $150 ongoing annual charge. Nevertheless, this card would require additional effort and a spotlight to element to maintain monitor of all its perks.

If your enterprise is in search of a card that does not require a slate of month-to-month reminders, this isn’t the card.

Associated: United Airlines MileagePlus: Guide to earning and redeeming miles, elite status and more

The United Business Card earns:

• 7 miles per greenback spent on United flights (5 miles from being a United MileagePlus member and a pair of miles from being a United Enterprise cardholder)
• 5 miles per greenback on resort stays bought by way of United Inns
• 2 miles per greenback spent on the next purchases: All different eligible United purchases, local transit and commuting, gas stations, workplace provide shops and restaurants (together with eligible supply companies)
• 1 mile per greenback on all different purchases

The bonus-earning for United Inns feels too restrictive for enterprise house owners. Incomes 2 miles per greenback spent on any resort buy can be extra helpful.

In response to TPG’s July 2025 valuations, you may get a 9.1% return on United flights, a 6.5% return on United Inns and a 2.6% return on different class spending. You will additionally earn 1 mile per greenback spent on all other eligible purchases, which is a 1.3% return.

In comparison with the United Club Business Card, the United Enterprise Card earns a stronger 2 miles per greenback throughout key business-related bonus classes. Nonetheless, not all companies are alike, and a few might profit from the United Membership Enterprise Card’s 1.5 miles per greenback spent on all non-bonused spending.

Associated: How to choose the best credit card for your business expenses

You should use United miles to e-book award journey on United, different Star Alliance airways and accomplice airways.

It is price noting that United makes use of dynamic award pricing somewhat than award charts. Though this makes it harder to find out the worth of an award till you are able to e-book, dynamic pricing can result in cheap award flights in some conditions.

TPG bank cards author Chris Nelson loves reserving United economic system saver fares because of his United MileagePlus Premier standing. These flights begin from 24,600 miles one-way on medium-haul transatlantic hops from Newark Liberty Worldwide Airport (EWR) to European locations like Keflavik Airport (KEF), Edinburgh Airport (EDI) and the just lately began route to Nuuk International Airport (GOH).

All of those flights are below seven hours, so he would not really feel the necessity for a lie-flat business-class seat, particularly if it is a daytime flight. Plus, he will get complimentary Financial system Plus additional legroom seating from his standing.

You will typically get probably the most worth out of your United miles whenever you use them to e-book flights. Different redemption choices embody:

• Safe a seat improve
• Buy inflight Wi-Fi
• Guide resort stays and automotive leases
• Buy merchandise and reward playing cards
• Entry once-in-a-lifetime occasions

You can too switch your United miles to Marriott Bonvoy at a 1:1 ratio.

Nevertheless, that is removed from probably the most worthwhile choice, so we suggest avoiding it except you must high off your Marriott Bonvoy stability for a particular redemption. You may’t switch greater than 200,000 United miles to Marriott in a calendar 12 months, however that should not be a difficulty for many.

Associated: Here’s what you should know before transferring Marriott points to airline miles

If you wish to earn United miles on your enterprise purchases, the United Business Card has just a few notable rivals.

• If you’d like a private United card: The United℠ Explorer Card (see rates and fees) comes with an annual charge of $150 starting within the second 12 months ($0 introductory annual charge the primary 12 months), plus assertion credit and a free checked bag. If the United Enterprise’s bonus classes do not suit your wants otherwise you’re not invested in incomes extra PQPs, the United Explorer is the proper various. To be taught extra, learn our full review of the United Explorer Card.
• If you’d like extra advantages: The United Membership Enterprise Card has a considerably increased annual charge of $695 however larger United-related advantages, reminiscent of a United Club membership for the first cardholder, the flexibility to earn a United Membership All-Entry membership, two free checked baggage and a greater incomes fee for PQPs. To be taught extra, learn our full review of the United Club Business Card.
• When you’re a United fan however need extra common rewards: The Ink Business Preferred® Credit Card (see rates and fees) presents the flexibility to earn worthwhile Final Rewards factors on completely different enterprise bills. Your factors can then be transferred to a number of airline and resort companions, together with United MileagePlus, or redeemed immediately for journey by way of Chase Journey℠. To be taught extra, learn our full review of the Ink Business Preferred.

For added choices, try our listing of the best business credit cards.

Associated: 4 reasons someone in your family needs a United credit card

The United Business Card presents United Airways advantages and accomplice perks that enable the suitable small-business house owners, freelancers and facet hustlers to justify the cardboard’s $150 annual charge. As a enterprise proprietor, if you cannot use the cardboard’s perks or maximize the chance to earn United elite standing, you may be higher off with a extra common enterprise bank card.

The United Business Card supplies a number of methods to earn United journey credit and make progress towards United elite standing. The cardboard presents significant worth for some, however its steep annual charge and the hassle required to maximise its credit imply it will not be proper for all companies.

If your enterprise can naturally use the credit this card presents or is aiming towards United elite standing, this card is probably going a no brainer.

Apply right here: United Business Card