United Business

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United Business
5.0

Annual fee:
$99, fee waived for the first year

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.49% - 28.49% 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 3x miles on hotel stays through United Hotels: 2x miles as a MileagePlus member + 1x mile with the United Business Card. 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 after spending $5,000 in the first three months.

75,000 Miles

Welcome Offer

Earn 75,000 bonus miles 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.
    • 3x Miles on Hotel Stays Booked Through United Hotels: 2x miles as a MileagePlus member + 1x mile with the United Business Card.
    • 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

DoorDash: Enjoy a free year of DashPass. Activate by January 31, 2025. Afterward, enrollment continues at the standard rate.


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: $99 (waived for the first 12 months).
  • Regular APR: 21.49% - 28.49% 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 $100 United travel credit each account anniversary year after making seven United flight purchases of $100 or more.
  • 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.
  • Premier Qualifying Points (PQP): Earn 25 PQP for every $500 spent, up to 1,000 PQP toward your MileagePlus Premier status per year.
  • 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.
  • 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 solid choice for business owners and frequent United Airlines travelers seeking versatile travel rewards. This card offers robust rewards, including up to 7x miles on United purchases and 2x miles on select categories. With a generous welcome bonus and valuable perks like two complimentary one-time United Club passes, priority boarding, free checked bags, and extensive travel protections, it’s ideal for those looking to enhance their travel experience while earning valuable rewards. Additional benefits further increase its overall value, making the United℠ Business Card a great blend of rewards and travel perks.