United Business Card Review [2021]: New Card, Incredible Welcome Bonus

This airline credit card offers tons of value to business owners with its sign-up bonus and fantastic travel perks.
Last updated Jul 23, 2021 | By Kevin Payne

FinanceBuzz is reader-supported. We may receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

Business owners who are looking for a way to earn travel rewards on their regular purchases should consider the United Business Card. United and Chase recently revamped their business card offerings, which means you can take advantage of a potentially very valuable 75,000-mile sign-up bonus.

The United Business Card offers value with all of its travel perks, but also with its miles-earning potential in popular spending categories. Let’s take a closer look at what makes this United Airlines credit card unique.

Great value for a low fee!

Intro Offer

75,000 miles

Annual Fee

$99

Rewards Rate

up to 2X miles

Benefits and Drawbacks

Benefits

  • Up to 150,000 mile sign-up bonus
  • 2X miles on United purchases, dining, at gas stations, office supply stores, and on local transit and commuting
  • $100 annual United credit (terms apply)
  • 5,000 bonus miles annually if you also have a personal United card
  • Free checked bag, priority boarding, and 2 United Club passes annually

Drawbacks

  • Earning bonus could be hard for some
  • Best for frequent United travelers
Card Details
  • Earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months, plus earn an additional 75,000 miles after spending $20,000 total in the first 6 months
  • 2X miles on United purchases and dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting; and 1X miles on everything else

In this United Business Card review:

Who should get the United Business Card?

The United Business Card is designed for business owners who love earning award flights and other travel perks. First, you can’t glance over the 75,000-mile welcome bonus attached to this card. This is a valuable welcome bonus for any frequent United traveler.

If you’re already a frequent flyer with United Airlines, then the United Business Card could be the best airline credit card for you. It comes with several benefits beyond the sign-up bonus, including priority boarding, a free first checked bag, a credit for inflight purchases, and lounge access. Cardmembers who take advantage of these extra perks will more than make up for this card’s annual fee of $99 .

If you don’t travel much, especially with United Airlines, it’s hard to picture this card making sense for you. A cash back credit card or more versatile travel rewards credit card might be a better fit for your business purchases.

Card basics

Card type Business
Credit card issuer Chase
Annual fee $99
Intro bonus Earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months, plus earn an additional 75,000 miles after spending $20,000 total in the first 6 months
Reward rate 2X miles on United purchases and dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting; and 1X miles on everything else
Recommended credit score Excellent, Good
Foreign transaction fee None

United Business Card benefits and perks

  • Generous sign-up bonus: Earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months, plus earn an additional 75,000 miles after spending $20,000 total in the first 6 months. Cardmembers who’ve received the United Business Explorer bonus in the past 24 months are still eligible to receive this bonus unless they converted directly to this card from the United Business Explorer card.
  • $100 statement credit: Each year, cardholders who make seven United flight purchases of $100 or more will receive a $100 United travel credit. Purchases could include everything from inflight Wi-Fi to seat upgrades.
  • 5,000 bonus miles: If you have both the United Business Card and a Chase United personal card, you’ll receive 5,000 bonus miles each account anniversary year.
  • United Club passes: Gain access to United Club airport lounges worldwide, with two free one-time passes added to your MileagePlus account each year on your cardmember anniversary.
  • Boarding privileges: Cardmembers and companions on the same reservation receive priority boarding on all United flights.
  • Free checked bag: Skip costly baggage fees with the United Business Card. The cardmember and one travel companion on the same reservation get a first checked bag free on all United flights. That's a savings of up to $140 for you and a guest on a round-trip flight.
  • Trip cancellation and interruption insurance: If your trip gets canceled or interrupted for a covered reason, you could get up to $1,500 back per person, up to $6,000 per trip.
  • Extended warranty protection: Eligible warranties for purchases made with your card can be extended by one year.
  • Free employee cards: Get cards for employees at no additional cost.

Drawbacks of the United Business Card

  • Annual fee: This travel card comes with an annual fee of $99.
  • Spending requirement for welcome bonus: In order to get the 75,000-mile bonus, you need to spend $5,000 in the first 3 months of account opening. If you aren’t a big spender or are spreading spending across multiple credit cards, it could be difficult to meet that threshold.

Earning and redeeming United MileagePlus miles

Potential earnings in years one and two

Here's a look at how your United miles can add up with the United Business Card. To calculate these values, we used a point valuation of 1 cent per mile, though depending on your redemption, you may be able to get a higher value due to United’s dynamic award structure.

Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend.

Year one earnings: $1,145

Year two earnings: $296

These values are based on the FinanceBuzz Credit Card Rewards Valuation Model which takes a look at points earned via spending, the sign-up bonus, and the annual fee. 

The earnings amounts above don't account for the $100 travel credit you could receive with this card. They also only reflect general travel spending, not spending specific to United. If you use your card frequently for United purchases, the value you get from it can increase considerably. 

Best ways to earn

There are several ways to earn United MileagePlus miles with the United Business Card. You can earn 2X miles on United purchases and dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting; and 1X miles on everything else. You can also build up miles quickly by supplying your employees with United Business Cards.

Categories Rewards rate
United purchases and dining (including eligible delivery services), and also at gas stations, office supply stores, and local transit and commuting 2X
Other purchases 1X

Maximizing your redemptions

The MileagePlus program through United Airlines offers many redemption options for cardmembers to enjoy. The main draw of having an airline credit card is to earn award tickets, which is possible with the United Business Card. You can redeem your miles for United flights and upgrades, as well as flights on more than 35 partner airlines through Star Alliance and MileagePlus.

Domestic one-way award flights typically start at 12,500 miles, but you can occasionally find United Saver Award flights as low as 5,000 points for a one-way economy fare. Domestic business and first-class flights start at 25,000 miles.

In addition to award flights, you can also redeem MileagePlus miles for hotel stays, cruises, and car rentals. You can even redeem points for credit on TSA PreCheck fees.

Outside of travel, other redemption options include:

  • Merchandise
  • Apple purchases
  • Gift cards
  • Exclusive experiences

Redemption values vary, so it’s important to make sure that you’re getting good value for your miles when redeeming through MileagePlus.

United Business Card transfer partners

If you have a Chase card that earns Ultimate Rewards points, you can transfer those points to United MileagePlus at a 1:1 ratio. Transfers are instant, so if you need more United miles in a pinch, this is a decent way to boost your balance.

You can also use your MileagePlus miles for flights on more than 35 partner airlines in the Star Alliance and MileagePlus programs, including:

  • Aegean
  • Air Canada
  • Air China
  • Air India
  • Air New Zealand
  • ANA
  • Asiana
  • Austrian
  • Avianca
  • Brussels Airlines
  • Copa Airlines
  • Croatia Airlines
  • EgyptAir
  • Ethiopian Airlines
  • EVA Air
  • LOT Polish Airlines
  • Lufthansa
  • Scandinavian Airlines
  • Shenzhen Airlines
  • Singapore Airlines
  • South African Airways
  • Swiss Airlines
  • TAP Air Portugal
  • Thai Airways
  • Turkish Airlines
  • Aer Lingus
  • Aeromar
  • Air Dolomiti
  • Azul
  • Boutique Air
  • Cape Air
  • Edelweiss
  • Eurowings
  • Hawaiian Airlines
  • Olympic Air
  • Silver Airways
  • Vistara

United has also partnered with several hotel rewards programs. You can earn MileagePlus miles for qualifying stays at properties in the following programs:

  • Marriott Bonvoy
  • Accor Live Limitless
  • Hilton Honors
  • IHG Rewards Club
  • Radisson Rewards
  • World of Hyatt
  • Wyndham Rewards
  • Golden Circle

United Business Card FAQs

What credit score is needed for the United Business Card?

You need a minimum of good to excellent credit to qualify for the United Business Card. A good FICO credit score ranges from 670 to 739; excellent scores range from 800 to 850.

How many miles do you need for a free flight on United?

One-way Economy Saver flights can be found for as few as 5,000 miles. Most domestic flights start at 12,500 miles for Basic Economy fares.

Do United miles expire?

United MileagePlus miles do not expire.

Is the United Business Card worth it?

The United Business card is packed with value if you are a frequent United flyer. It has incredible earning potential in spending categories that are popular with many small businesses. The welcome bonus alone makes this card a solid choice for your next business credit card. If you aren’t interested in travel redemptions and perks, this isn’t the credit card for you or your business.

What is the best United Airlines card?

All of the United Airlines credit cards offer significant value to cardmembers. With the United Business Card, you get lots of perks for a low annual fee of $99. If you love access to airport lounges, then the United Club Business Card may be a better option. Both cards come with the generous welcome bonus. With its 75,000-mile sign-up bonus and United Club membership, the United Club Card is a great choice for a personal credit card.

Other cards to consider

If the United Business Card doesn't sound like the best credit card for you, you may also want to consider the United Club Business Card or the Chase Ink Business Preferred Card.

The
United Club Business Card provides premium travel rewards for business owners, and it comes with a 75,000-mile sign-up bonus. Although it does have a much higher annual fee of $450, this card comes with United Club membership, which gives you unlimited access to participating airport lounges worldwide. If you travel frequently, this perk could help you save some serious money on food and drinks at the airport.

If you’re looking for a more versatile business credit card, the Chase Ink Business Preferred Card is also worth considering. With this card, you can earn 100,000 points after spending $15,000 in the first 3 months. Plus, you’ll gain access to Chase Ultimate Rewards, one of the most popular credit card rewards programs in the world. Ultimate Rewards points can be redeemed through the Chase portal for travel or with 13 partner airline and hotel programs. The Chase Ink Business Preferred card has a $95 annual fee.

Great value for a low fee!

Special Offer

Earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months, plus earn an additional 75,000 miles after spending $20,000 total in the first 6 months

See how these cards compare:

United Club Business Card
United Club Business Card
  • 75,000 bonus mile sign-up offer
  • 2X miles on United purchases, 1.5X miles on all other purchases
  • United Club membership
  • Free employee cards
Chase Ink Business Preferred Credit Card
Chase Ink Business Preferred Credit Card
  • 100,000 point sign-up bonus
  • 3X points on travel and common business spending categories
  • Flexible redemption options
  • Additional employee cards at no extra cost

Author Details

Kevin Payne Kevin Payne is a freelance writer specializing in student loans, credit cards, personal finance, and travel. He is a regular contributor to Club Thrifty, Millennial Money, and Student Loan Planner. As the budget and family travel expert behind FamilyMoneyAdventure.com, Kevin recently turned his writing side hustle into his full-time career. He lives in Cleveland, Ohio, with his wife and four kids.