United Airlines Business Card Review (2020)

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no foreign

transaction fees

Annual Fee: $0 intro annual fee for the first year, then $99

Chase and United Airlines have had a close relationship for years. As part of that, they have several co-branded credit cards, and you can also transfer points from Ultimate Rewards to MileagePlus.

In this post, I wanted to take a look at the UnitedSM Business Card, which is even currently offering an increased welcome bonus. This card could prove to be an excellent value for many small businesses.

United Business Card Review

The United Business Card is a card worth considering for your small business if you fly United with any frequency. The card has a nice welcome bonus, offers some useful bonus categories, and comes with perks that can more than offset the card’s annual fee.

Let’s look at what you need to know about this card in more detail.

United Business Card 75,000 MileagePlus Miles Bonus

The United Business Card is offering a limited time welcome bonus of 75,000 MileagePlus bonus miles after spending $5,000 within the first three months of account opening. This offer ends on November 30, 2020.

Personally, I value United miles at ~1.4 cents each, so to me those bonus miles are worth $1,050.




Redeem your United miles towards a Polaris ticket

Card Eligibility & Restrictions

The welcome bonus on this card isn’t available to those who currently have the card, or those who have received a new cardmember bonus on the card in the past 24 months.

Even though this card replaces the former United Explorer Business Card, it is considered a separate product. This means you’re eligible even if you have the Explorer Business Card.

In addition to that, there are the typical restrictions when applying for Chase cards, including the 5/24 rule.

United Business Card $99 Annual Fee, Waived The First Year

The United Business Card has a reasonable $99 annual fee for the primary cardmember, however, the annual fee is waived for the first year. It’s especially great to see the annual fee waived for the first year, since you can really try the card for a year before being on the hook for fees.

You can also add authorized users to the card at no extra cost.

United Business Card Rewards Structure: Earn Up To 2x Miles

While I wouldn’t say the bonus categories are industry-leading, the United Business Card does offer bonus miles on some purchases. With the card, you can earn 2x MileagePlus miles on:

  • United Airlines purchases
  • Local transit and commuting, including taxis, mass transit, tolls, and ride-sharing services
  • Gas stations
  • Office supply stores
  • Restaurants



Earn 2x miles on transit

You can earn 1x miles on all other purchases.

While there are lots of cards offering bonus categories, I’d say that’s a pretty well-rounded rewards structure for an airline credit card.




Earn double miles for United purchases with the card

No Foreign Transaction Fees

This United Airlines Business Credit Card has no foreign transaction fees, so this is a good card to use for purchases abroad. Visa has excellent global acceptance, and you may even find yourself earning bonus miles for purchases abroad, including at restaurants.



Use your card abroad with no foreign transaction fees

United Business Card Benefits

The United Business Card has a big welcome bonus and a fairly solid rewards structure for an airline small business credit card. The good news is that the card has great perks as well.

This is true whether you’re an occasional United flyer, or whether you’re an elite member who is looking for extra perks.

Here’s what you need to know about all the benefits offered by this card.

Free First Checked Bag

The primary cardmember and one companion traveling on the same reservation receive a standard free first checked bag when flying United or United Express. In order to be eligible for this, you have to pay for your ticket with your United Airlines credit card.

United charges $30 for a first checked bag, so this is a value of up to $120 on a roundtrip ticket.

Two United Club Passes Annually

For having the card you receive two United Club passes annually. This includes when you open your card, and in any subsequent years. These will automatically be deposited into your Mileage Plus account within four weeks.

United Club passes ordinarily costs $50, so that’s a value of up to $100.




Two annual United Club passes is a nice perk

Priority Boarding

For having the card you and your companions receive priority boarding on United and United Express flights. You can board before general boarding, after customers with Premier Access and those requiring special assistance. This would be in Group 2.



Receive priority boarding as a cardmember

25% Back On Inflight Purchases

For having the United Business Card you receive 25% back in the form of statement credits on purchases of food, beverages, and Wi-Fi, on United operated flights, when you pay with your United Business Card.

The statement credit should post within 24 hours of your eligible purchase posting to your statement.

$100 Annual United Travel Credit

Every anniversary year you can receive a $100 United Travel Credit on your United Business Card if you make at least seven United flight travel-related purchases, each totaling at least $100.

This includes purchases like seat upgrades, Economy Plus, inflight food, beverages, and Wi-Fi, baggage service charges, or other United fees.

The statement credit will post to your account within 24 hours of your seventh qualifying purchase of $100 or more.

Anniversary Bonus Of 5,000 Miles

Every year on your account anniversary you receive 5,000 bonus miles if you have this card in conjunction with a personal United credit card, like the United℠ Explorer Card (review).

That’s a pretty awesome incentive to keep both a personal and business card and frankly, it’s a really smart incentive for United to offer, given that many personal and business cards have overlapping benefits.

Premier Upgrades On Award Tickets

All United MileagePlus elite members ordinarily receive complimentary upgrades on domestic flights, though this only applies to cash tickets. However, if you have the United Business Card, you also receive Premier upgrades on award tickets.

This applies to the primary cardmember on United and United Express flights. Travel companions and authorized users aren’t eligible for this benefit.


Receive Premier upgrades on award tickets if you have this card

Expanded Award Availability

For having a United co-branded credit card you get access to expanded award availability. Just log into your MileagePlus account, and you should have access to more EveryDay Award level tickets, with no blackout dates.

Obviously, the value of this varies depending on where you’re trying to go.



Get access to more award availability as a cardmember

Earn Premier Qualifying Points Towards Status

Spending money on the United Business Card can help you earn MileagePlus status, even with the recent changes to the program:

  • Earn 500 Premier Qualifying Points (PQPs) for every $12,000 spent in a calendar year
  • Earn up to 1,000 PQPs in a calendar year through the credit card
  • The PQPs can be applied up to Premier Platinum status (though not to Premier 1K status)

Ultimately this won’t get you that far towards status, but is better than nothing. As a reminder, here are United’s regular elite requirements (this doesn’t account for requirements having been reduced this year):


Trip Delay & Lost Luggage Protection

The United Business Card offers a variety of protection benefits when traveling, assuming you pay for purchases with your card. These features include the following:

  • Trip Cancellation & Trip Interruption Insurance — be reimbursed up to $1,500 per person and $6,000 per trip when your trip is canceled or cut short due to sickness, severe weather, etc.
  • Trip Delay Reimbursement — if your flight is delayed by more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket
  • Lost Luggage Reimbursement — be reimbursed up to $3,000 per passenger if you or your immediate family member check or carry on luggage that is damaged or lost by an airline
  • Baggage Delay Insurance — be reimbursed up to $100 per day for three days for essential purchases when your bag is delayed by over six hours

Make sure you check your cardmember agreement for all of the details, since there are terms & conditions.

Primary Car Rental Coverage

The United Business Card offers a primary collision damage waiver benefit. Just decline the rental company’s collision insurance and charge the entire rental cost to your card.

Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad.

Is The United Business Card Worth It?

In general, I don’t recommend using airline credit cards for everyday spending, unless you have a specific reason to do so.

In the case of the United Business Card, I think this is a card that’s worth getting for the solid bonus it offers and the long-term perks, which can more than offset the annual fee. That being said, I don’t think this card is worth spending money on:

  • The ability to earn PQPs is fairly limited with this card, and doesn’t justify the spending requirement
  • While the card has some bonus categories, there are ultimately better credit cards for airfare purchases, gas stations, restaurants, etc.

What perks make this card worthwhile? For non-elite members, the priority boarding and first checked bag free could really come in handy.

For elite members, the upgrades on award tickets and the ability to earn PQPs could come in handy.

Then for everyone, the United Club passes, 25% inflight savings, expanded award availability, 5,000 bonus miles for having two United cards, and more, could come in handy.

This really is quite a perks-rich card, in my opinion.

Other Ways To Earn United Miles

The one thing I’d note is that while this is a great card for the perks, if you actually want to earn MileagePlus miles through spending, remember that MileagePlus is a Chase Ultimate Rewards transfer partner, so you can convert Ultimate Rewards points into United miles at a 1:1 ratio.

There are so many great Ultimate Rewards cards that earn points at a potentially faster rate than you’d earn directly through United, so that’s something worth considering.

See this post for the best credit cards for earning United miles.



There are lots of credit cards that can earn you United miles

What Happened To The United Explorer Business Card?

The United Business Card was introduced at the beginning of 2020, and can potentially be confusing, because up until that point there was the $95 annual fee United Explorer Business Card. What’s going on here? Is this simply an update to that card?

Sort of, but not really, it would seem.

Applications are no longer being accepted for the United Explorer Business Card, and at least for the time being, those with the Explorer Business Card won’t automatically be converted to the United Business Card.

However, existing Explorer Business Card customers can call Chase and should be able to product change to this card if they’d like.

On top of that, it would appear to me that people would be eligible for both cards as well, so if you already have the Explorer Business Card, you could also apply outright for the United Business Card.

United Business Card Summary

The United Business Card has a solid welcome bonus and waived annual fee the first year, which many small business owners might find useful.

I love seeing card issuers get more creative with benefits, especially for loyal customers. For example, I think it’s innovative how they’re offering bonus miles if you have both a personal and business United credit card, and how they’re offering a $100 United credit if you make seven purchases of select United products for $100 each.

If you don’t yet have this card and are eligible, I’d highly recommend prioritizing it.