New United℠ Business

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New United℠ Business
4.9

Annual fee:
$150

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.49% - 28.99% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 7x miles on United flights: 5x miles as a MileagePlus member + 2x miles with the United Business Card. Earn 5x miles on hotel stays through United Hotels: 2x miles as a MileagePlus member + 2x mile with the United Business Card + 1x mile when you prepay through United Hotels. Earn 2x miles on other United purchases. Earn 2x miles on gas, dining, office supplies, and local transit. Earn 1x miles on all other purchases.

1x - 2x Miles

Welcome Offer Earn 75,000 bonus miles + 2,000 Premier Qualifying Points (PQP) after spending $5,000 in the first three months.

75,000 Miles + 2,000 PQP

Welcome Offer

Earn 75,000 bonus miles + 2,000 Premier Qualifying Points (PQP) after spending $5,000 in the first three months.


Rewards

  • Up to 7x Miles on United Purchases:
    • 7x Miles on United Flights: 5x miles as a MileagePlus member + 2x miles with the United Business Card.
    • 5x Miles on Hotel Stays Booked Through United Hotels: 2x miles as a MileagePlus member + 2x mile with the United Business Card + 1x mile when you prepay through United Hotels.
    • 2x Miles on Other United Purchases.
  • 2x Miles on Select Categories:
    • 2x Miles at Gas Stations.
    • 2x Miles on Dining, including eligible delivery services.
    • 2x Miles at Office Supply Stores.
    • 2x Miles on Local Transit, including rideshares, taxicabs, train tickets, tolls, and mass transit.
  • 1x Miles on All Other Purchases.

Partner Benefits

  • Instacart Credit: Get up to $120 in Instacart credits each calendar year. Receive a $10 credit every month when you use your United℠ Business Card for purchases made directly through Instacart. Offer ends 12/31/2027.
  • 3-Month Instacart+ Membership: Enjoy a complimentary 3-month Instacart+ membership, which includes unlimited deliveries with $0 delivery fees on eligible orders. After the trial, you’ll be automatically enrolled at 25% off the annual rate. Offer ends 12/31/2027.

Lounge Access

United Club℠ Access: Receive 2 one-time passes per year (worth over $100), with free drinks, snacks, and high-speed Wi-Fi.


Redemption Options

Redeem your miles for flights, hotel stays, car rentals, shopping, and more.


Fees and APR

  • Annual Fee: $150
  • Regular APR: 20.49% - 28.99% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Business Perks

Employee cards at no additional cost.


Travel Benefits

  • Free Checked Bags: The Primary Cardmember and one companion receive their first checked bag free, saving up to $160 per round trip.
  • Annual United Travel Credit: Receive a $125 United travel credit each account anniversary year after making five United flight purchases of $100 or more.
  • FareLock Credit: Earn up to $25 in credits each year when you purchase FareLock on United or United Express® operated flights. FareLock lets you hold your fare for 3, 7, or 14 days, locking in the price while you finalize your plans.
  • United Hotels Credit: Get up to $100 back each anniversary year. Earn a $50 statement credit on both your first and second prepaid hotel stays booked directly through United® Hotels with your United℠ Business Card.
  • Rideshare Credit: Enroll to get up to $100 back each calendar year on rideshare purchases paid with your United℠ Business Card.
    • $8 back per month from January through November.
    • Up to $12 back in December.
  • Avis & Budget Car Rental Credit: Get up to $50 in United® TravelBank cash each anniversary year. Earn $25 back for both your first and second Avis or Budget car rentals booked through cars.united.com and paid with your United℠ Business Card.
  • JSX Flights Credit: Get up to $100 back each anniversary year as a statement credit when you book flights directly with JSX using your United℠ Business Card. JSX offers a semi-private flying experience with the convenience of commercial fares.
  • Priority Boarding: The Primary Cardmember and their companions can board United-operated flights before general boarding.
  • Better-Together Anniversary Bonus: Receive 5,000 bonus miles each year when you hold both the United Business Card and a personal United credit card.
  • Economy Plus® Seat Upgrades: Earn 2 seat upgrades within the continental U.S. each calendar year after spending $25,000 on your United℠ Business Card.
  • In-Flight and Lounge Discounts: Receive 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on United-operated flights and Club premium drinks.
  • Premier Qualifying Points (PQP): Earn 1 PQP for every $20 spent, up to 4,000 PQP toward your MileagePlus Premier status per year.
  • Other Travel Benefits: Includes Auto Rental Collision Damage Waiver, Roadside Assistance, Travel and Emergency Assistance Services, Travel Accident Insurance, Trip Cancellation/Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, and Trip Delay Reimbursement.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

  • Exclusive Cardmember Events: Purchase or use miles for unique experiences offered by United Card Events from Chase and United MileagePlus Exclusives.

Additional Features

Emergency card replacement, zero liability protection, fraud protection, 24/7 customer service, contactless checkout, and Visa Signature® concierge service.


Terms and Conditions

Click Apply Now to see the terms and conditions.

The United℠ Business Card is a practical choice for business owners and frequent United travelers who want to earn travel rewards while enjoying added convenience. It offers a generous welcome bonus and solid earning potential, including 2x miles on United purchases, dining, gas stations, office supply stores, and local transit. Perks like two one-time United Club passes each year, priority boarding, a free checked bag, and valuable travel protections make it especially appealing for those who regularly fly United. With no foreign transaction fees and a range of partner credits, this card delivers a well-balanced mix of rewards and travel benefits.