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 stable worth to the precise small-business house owners. Nonetheless, some companies could 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 no less than a number of occasions a yr. The cardboard affords perks like a free checked bag and inflight reductions on meals and drinks to assist companies save on ancillary flying charges.

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

For the most effective possibilities of approval, you will desire a credit score of 670 or greater. If in case you have a small business and journey with United (even sometimes), you would possibly wish to take into account making use of for the United Enterprise Card.

Listed below are all of the United Enterprise Card advantages it is advisable 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 price as much as $1,755.

Though this isn’t the highest offer we’ve seen on the cardboard, it’s the highest bonus now we have 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.

You are not eligible for this welcome provide should you at present have or 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 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. When you’ve opened 5 or extra bank card accounts within the final 24 months, you won’t be authorized for it.

The data 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 supplied by the cardboard issuer.

Associated: Best credit card welcome offers

The United Business Card is finest suited to small-business house owners with out United or Star Alliance standing on the lookout for United Airways advantages.

This card can actually 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 precedence 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 area is full, this perk will enable you to keep away from that.
• Two one-time United Membership passes: Be aware 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 a press release credit score on eligible inflight United purchases whenever you pay together with your United Enterprise Card.

Apart from the United-related advantages, this card affords a set of assertion credit to assist offset its annual charge. These credit will be helpful for enterprise house owners, however their usefulness relies upon fully 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 way of United® Accommodations utilizing your United Enterprise Card every anniversary yr.
• Experience-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. Meaning this credit score will likely be extra versatile for your enterprise than the ride-hailing credit supplied 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/Funds rental when reserving by way of vehicles.united.com. This profit is restricted 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 immediately with the airline. JSX affords a semiprivate flying expertise at business 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 may also earn as much as $10 monthly ($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 best 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. Fortuitously, your enterprise can nonetheless get constructive worth from this card’s annual charge by way of its different advantages.

You will additionally take pleasure in the next extra advantages:

Enterprise house owners who fly United commonly will simply get sufficient worth from these advantages to justify paying the $150 annual charge. Nonetheless, this card would require additional effort and a spotlight to element to maintain monitor 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 pair 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 will 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 could 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 companion 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 price him 60,000 United miles because the Excursionist Perk let him fly without cost between Edinburgh and Madrid.

You will usually get essentially the most worth out of your United miles whenever 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 may also switch your United miles to Marriott Bonvoy at a 1:1 ratio.

Nonetheless, that is removed from essentially the most useful possibility, so we advocate avoiding it except it is advisable to high off your Marriott Bonvoy steadiness for a selected redemption. You may’t switch greater than 100,000 United miles to Marriott in a calendar yr, 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 a number of notable rivals.

• In order for you 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 study extra, learn our full review of the United Explorer Card.
• In order for you extra advantages: The United Membership Enterprise Card has a considerably greater annual charge of $695 however better United-related advantages, comparable to a United Club membership for the first cardholder, the power to earn United Membership All-Entry membership, two free checked baggage and a greater incomes charge for PQPs. To study extra, learn our comparison of the United Business Card and the United Club Business Card.
• When you’re a United fan however need extra normal rewards: The Ink Business Preferred® Credit Card affords the power to earn useful 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 study extra, learn our full review of the Ink Business Preferred.

For extra choices, take a look at our listing of the best business credit cards.

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

The United Business Card affords United Airways advantages and companion perks that permit the precise small-business house owners, freelancers and aspect 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 affords 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 affords or is aiming towards United elite standing, this card is probably going a no brainer.

Apply right here: United Business Card