United Business Card review: Full details

The United℠ Business Card (see rates and fees) gives 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 guide of month-to-month advantages. Card ranking*: ⭐⭐⭐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 instances 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.

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

For one of the best possibilities of approval, you will need a credit score of 670 or larger. You probably have a small business and journey with United (even often), you may need to think about making use of for the United Enterprise Card.

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

*Now not accessible.

New United Business Card holders can earn 100,000 bonus miles and a couple 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 value $1,300 (not together with the bonus PQPs).

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That is 25,000 miles larger than the usual supply, however not the highest offer we’ve seen. Nonetheless, it is nonetheless an ideal supply to think about in the event you’ve been eyeing this card.

You are not eligible for this welcome supply in the event you at present 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, when you’ve got 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 doubtless falls underneath Chase’s unpublished 5/24 rule. In the event you’ve opened 5 or extra private bank card accounts within the final 24 months, you may not be permitted 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 searching 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 priority boarding as the first cardmember and for a companion. In the event you don’t love 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 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 if you pay together with your United Enterprise Card.

Except for the United-related advantages, this card affords 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 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 lodge stays bought by way of United® Accommodations utilizing your United Enterprise Card every anniversary yr.
• 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 yr. Yearly enrollment is required. Chase has a broad definition of what counts as a ride-hailing service. Meaning this credit score can be extra versatile for your corporation than the ride-hailing credit provided by different issuers, like American Specific.
• United journey credit score through 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 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 immediately with the airline. JSX affords a semiprivate flying expertise at industrial fares, so it might 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 also can earn as much as $10 per 30 days ($120 every calendar yr) in Instacart credit on purchases made with the United Enterprise Card. (These advantages finish Dec. 31, 2027).

Total, the assertion credit and advantages are helpful however require monitoring and monitoring. The best 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. Luckily, your corporation can nonetheless get optimistic worth from this card’s annual charge by way of its different advantages.

You will additionally get pleasure from the next extra advantages:

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

If your corporation is searching 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:

• 7 miles per greenback spent on United flights (5 miles from being a United MileagePlus member and a couple of miles from being a United Enterprise cardholder)
• 5 miles per greenback on lodge stays bought by way of United Accommodations
• 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 Accommodations feels too restrictive for enterprise house owners. Incomes 2 miles per greenback spent on any lodge buy can be extra helpful.

In accordance with TPG’s July 2025 valuations, you will get a 9.1% return on United flights, a 6.5% return on United Accommodations 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 need to use United miles to guide award journey on United, different Star Alliance airways and associate airways.

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

TPG bank cards author Chris Nelson loves reserving United economic system saver fares due to 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 lately began route to Nuuk International Airport (GOH).

All of those flights are underneath 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 usually get essentially the most worth out of your United miles if you use them to guide flights. Different redemption choices embrace:

• Safe a seat improve
• Buy inflight Wi-Fi
• Guide lodge stays and automotive leases
• Buy merchandise and present 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 helpful choice, so we suggest avoiding it except it’s worthwhile to prime off your Marriott Bonvoy stability for a selected redemption. You may’t switch greater than 200,000 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 corporation purchases, the United Business Card has a couple of notable opponents.

• In order for you a private United card: The United℠ Explorer Card (see rates and fees) comes with an annual charge of $150 starting within the second yr ($0 introductory annual charge the primary yr), 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 right 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 larger annual charge of $695 however higher United-related advantages, equivalent to a United Club membership for the first cardholder, the power to earn a United Membership All-Entry membership, two free checked baggage and a greater incomes price for PQPs. To study extra, learn our full review of the United Club Business Card.
• In the event you’re a United fan however need extra normal rewards: The Ink Business Preferred® Credit Card (see rates and fees) affords the power to earn helpful Final Rewards factors on totally different enterprise bills. Your factors can then be transferred to a number of airline and lodge 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 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 affords United Airways advantages and associate perks that permit 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 use 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 gives 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 hassle required to maximise its credit imply it will not be proper for all companies.

If your corporation 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