United Business Card review: Full details

The United℠ Business Card 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 strong worth to the appropriate small-business house owners. Nonetheless, some companies might discover it inconvenient to trace the cardboard’s coupon e-book of month-to-month advantages. Card score*: ⭐⭐⭐½

* Card rating relies 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 not less than a number of occasions a yr. The cardboard provides perks like a free checked bag and inflight reductions on meals and drinks to assist companies save on ancillary flying charges.

United lately refreshed its entire credit card portfolio. The United Enterprise Card’s annual charge rose to $150, however we additionally noticed the introduction of latest assertion credit and improve certificates to ease the sting. These advantages usually are not solely geared towards journey, so you will wish to guarantee they suit your spending habits.

For the perfect possibilities of approval, you will desire a credit score of 670 or larger. If in case you have a small business and journey with United (even often), you would possibly wish to think about making use of for the United Enterprise Card.

Listed below are all of the United Enterprise Card advantages it’s worthwhile to learn about to determine if it is best for you.

New United Business Card holders can earn 125,000 bonus miles after spending $5,000 on purchases within the first three months of account opening. Plus, new cardholders can earn one other 5,000 miles after including an worker card within the first three months of account opening.

Based mostly on TPG’s March 2025 valuations of United miles at 1.35 cents every, this bonus is value as much as $1,755.

Though this isn’t the highest offer we’ve seen on the cardboard, it’s the highest bonus we’ve got seen on the cardboard over the previous two years. We advocate making use of now if you wish to add this card to your pockets.

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You are not eligible for this welcome provide if you happen to presently have or had the United Enterprise Card and obtained a welcome bonus for it throughout the final 24 months.

Chase considers the United Enterprise Card a definite product from the United Membership℠ Enterprise Card and the no-longer-available United Explorer Enterprise Card. So, if 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 seemingly falls below Chase’s unpublished 5/24 rule. Should you’ve opened 5 or extra bank card accounts within the final 24 months, you may not be authorized 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 on the lookout for United Airways advantages.

This card can definitely fulfill that need 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 precedence boarding as the first cardmember and for a companion. Should you do not like gate-checking your carry-on as a result of the overhead house is full, this perk will allow you to keep away from that.
• Two one-time United Membership passes: Word that these can solely be utilized by the first cardmember, a certified consumer 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 yr.
• Financial system Plus seat upgrades: Earn two continental U.S. Financial system Plus seat upgrades after spending $25,000 in a calendar yr.
• Low cost on United inflight purchases: Obtain 25% again as an announcement credit score on eligible inflight United purchases once you pay along with your United Enterprise Card.

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

These assertion credit embrace:

• As much as $100 United Accommodations assertion credit score: Obtain $50 in assertion credit in your first and second pay as you go resort stays bought by means of United® Accommodations utilizing your United Enterprise Card every anniversary yr.
• Trip-hailing credit score: Obtain $8 every month ($12 in December) in ride-hailing assertion credit for a complete of $100 every calendar yr. Yearly enrollment is required. Chase has a broad definition of what counts as a ride-hailing service. Which means this credit score will probably be extra versatile for your enterprise than the ride-hailing credit supplied by different issuers, like American Categorical.
• 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 means of vehicles.united.com. This profit is proscribed to 2 $25 United TravelBank credit per anniversary yr.
• JSX assertion credit score: Earn as much as $100 in assertion credit every anniversary yr when making JSX purchases instantly with the airline. JSX provides a semiprivate flying expertise at industrial fares, so it could be value 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 can even earn as much as $10 per thirty days ($120 every calendar yr) in Instacart credit on purchases made with the United Enterprise Card. These advantages finish December 31, 2027.

Total, the assertion credit and advantages are helpful however require monitoring and monitoring. The simplest assertion credit to make the most 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 don’t use these companies organically. Luckily, your enterprise can nonetheless get constructive worth from this card’s annual charge by means of its different advantages.

You may additionally take pleasure in the next further advantages:

Enterprise house owners who fly United recurrently will simply get sufficient worth from these advantages to justify paying the $150 annual charge. Nonetheless, this card would require additional effort and a focus to element to maintain observe of all its perks. If your enterprise is on the lookout for 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 5 miles per greenback spent on United fares and a couple of miles per greenback spent on the next purchases:

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

In response to TPG’s March 2025 valuations, you will get a 6.8% return on United purchases and a 2.7% return on different class spending. You may additionally earn 1 mile per greenback spent on all other eligible purchases, which is an roughly 1.4% return.

In comparison with the United Membership Enterprise 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 nonbonused spending.

Award charts nonetheless exist for utilizing United miles on associate airways — and there are some sweet spots on these charts.

Chris Nelson, a bank cards author at TPG, loves United’s Excursionist Perk. He booked a round-trip ticket between the U.S. and Europe, flying from Chicago’s O’Hare Worldwide Airport (ORD) to Edinburgh Airport (EDI) in Scotland. He then flew to Adolfo Suárez Madrid-Barajas Airport (MAD) earlier than heading to Newark Liberty Worldwide Airport (EWR). The journey solely value him 60,000 United miles because the Excursionist Perk let him fly at no cost between Edinburgh and Madrid.

You may typically get essentially the most worth out of your United miles once you use them to e-book flights. Different redemption choices embrace:

• Safe a seat improve
• Buy inflight Wi-Fi
• E book 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.

Nonetheless, that is removed from essentially the most invaluable possibility, so we advocate avoiding it until it’s worthwhile to prime off your Marriott Bonvoy steadiness for a particular redemption. You possibly can’t switch greater than 100,000 United miles to Marriott in a calendar yr, however that should not be a problem 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 comes with the identical annual charge of $150 starting within the second yr ($0 introductory annual charge the primary yr), plus ride-hailing credit, a free checked bag and United TravelBank credit. If the United Enterprise’ bonus classes do not suit your wants otherwise you’re not invested in incomes extra PQPs, the Explorer Card 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 larger annual charge of $695 however higher United-related advantages, resembling a United Club membership for the first cardholder, the power to earn United Membership All-Entry membership, two free checked luggage and a greater incomes charge for PQPs. To be taught extra, learn our comparison of the United Business Card and the United Club Business Card.
• Should you’re a United fan however need extra normal rewards: The Ink Business Preferred® Credit Card provides the power to earn invaluable Final Rewards factors on totally different enterprise bills. Your factors can then be transferred to a number of airline and resort companions, together with United MileagePlus, or redeemed instantly for journey by means of Chase Journey℠. To be taught extra, learn our full review of the Ink Business Preferred.

For added choices, take a look at our record of the best business credit cards.

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

The United Business Card provides United Airways advantages and associate perks that enable the appropriate small-business house owners, freelancers and facet hustlers to justify the cardboard’s $150 annual charge. As a enterprise proprietor, if you cannot make the most of the cardboard’s perks or maximize the chance to earn United elite standing, you will be higher off with a extra normal 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 provides significant worth for some, however its steep annual charge and the trouble required to maximise its credit means it will not be proper for all companies.

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

Apply right here: United Business Card