Rewards Plan
Welcome Bonus
Credit Rating
0% Intro
Annual Fee
APR
- Free First Checked Bags
- United Travel Credit
- Low Rewards Rate
- Limited Redemptions
Rewards Plan
Welcome Bonus
0% Intro
PROS
- Free First Checked Bags
- United Travel Credit
CONS
- Low Rewards Rate
- Limited Redemptions
APR
21.49% - 28.49% variable APR
Annual Fee
$99
Balance Transfer Fee
N/A
Credit Requirements
Good - Excellent
The United Business card is a good option for people who really like the United brand and don't want to spend a lot of money on an annual fee. The card comes with some nice advantages like getting money back on your statement, travel insurance, and extras that make your time at the airport and flying better.
However, because this card focuses a lot on United, if you don't fly with them regularly, you might find it a bit limited. If you don't have a strong preference for flying with United, there are other travel cards that offer similar benefits. These cards have the potential to give you even better rewards that can be used in different ways.
- 0% Introductory APR
- Anniversary Companion Certificate
- Free First Checked Bags
- Preferred Boarding
- No Foreign Transaction Fees
- Statement Credit for Inflight Purchases
- Travel Insurance
- High Annual Fee
- No Bonus Categories
- Low Rewards Rate
- High APR
Does the card provide travel insurance?
Yes, the United Business card offers a variety of travel insurances including trip interruption/cancellation, trip delay, and baggage insurance. There is also primary rental car insurance if the rental is for business purposes.
What are card income requirements?
There are no official income requirements, but you do need to have good to excellent credit. This means that although your income will be assessed, it is not the only factor for consideration in an approval decision.
Can I get pre-approved?
Chase does not have a pre approval button on its website for this card, but you may receive a mailer or other marketing material offering pre approval, particularly if you log into your Chase account and check the offers section.
In this Review
Estimating Your Rewards: A Practical Simulation
Calculating the exact rewards you'll earn with this card can be tricky, as it depends on how you use it. Whether it’s your main card, a secondary option, or reserved for specific purchases, each factor impacts your rewards.
To help, we’ve done the math and come up with an estimate of the rewards you could earn with the United Business card. By looking at spending patterns in categories like groceries, travel, and dining, we've provided an average estimate of the total rewards you might receive.
| |
|---|---|
Spend Per Category | United Business Card
|
$10,000 – U.S Supermarkets | 10,000 miles |
$3,000 – Restaurants
| 3,000 miles |
$5,000 – Airline | 10,000 miles |
$4,000 – Hotels | 4,000 miles |
$4,000 – Gas | 8,000 miles |
Estimated Annual Miles | 35,000 Miles |
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Pros and Cons
Similar to other credit cards on the market, the United Business card has its own set of pros and cons
Pros | Cons |
|---|---|
Free First Checked Bags | Limited Redemptions |
Priority Boarding | Low Free Baggage Allowance |
United Travel Credit | Low Rewards Rate |
United Club Access | |
Inflight Discounts | |
No Foreign Transaction Fees | |
Rental Car Insurance | |
Trip Cancellation And Delay Insurance |
- Free First Checked Bags
When you fly on a United operated itinerary, you and one travel companion on the same reservation can have one free standard checked bag with no fee. This has the potential to save $140 per round trip.
- Priority Boarding
As a cardmember, you and your travel companions on the same reservation will be invited to board your United operated flight before general boarding.
- United Travel Credit
After seven United flight purchases of at least $100 within each card anniversary year, you can earn a $100 United travel credit.
- United Club Access
After you open your account and on each subsequent card anniversary, you will receive two United Club one time passes. This provides access to approximately 45 lounges around the world.
- No Foreign Transaction Fees
You won't be charged any fees for making purchases abroad with the United Business card.
- Inflight Discounts
You can receive 25% back in the form of statement credit against purchases of in flight food, WiFi and beverages on your United operated flights.
You can also receive this statement credit for Club premium drinks. In either case, you need to use your United business card to pay for your purchases.
- Rental Car Insurance
When you use your card to pay for the entire cost of your vehicle rental and decline the collision insurance at the rental company counter, your auto rental collision damage waiver will kick in.
This provides primary coverage if you’re renting for business purposes. The coverage has a limit of the actual cash value of the vehicle with reimbursement for collision damage and theft.
- One Year DashPass
New cardholders will receive a complimentary one year DashPass for DoorDash and Caviar. This provides unlimited deliveries with zero delivery fees and lower service fees on your eligible orders.
You need to activate this benefit and cancel before the end of the year if you don’t want to be automatically enrolled for a DashPass at the current monthly rate after the promotion.
- Limited Redemptions
As is common with co branded cards, the redemption options for the United Business card are mostly limited to the United brand and its partners.
- Low Free Baggage Allowance
While you and one travel companion can get first checked bags free, this is a little low compared to other co-branded cards.
For example, the Delta SkyMiles Gold Business Amex offers free first checked bags for you and up to eight companions on your reservation when you fly Delta.
- Low Rewards Rate
There are other United cards that have higher earning rates on many purchases. There are only a few categories included in the top 2x miles tier, which may be inflexible for some users.
- Optional Anniversary Bonus
If you have both a personal Chase United Card and the United Business card, you’ll receive a 5,000 miles bonus each year on your business card anniversary.
- Free Employee Cards
You can request additional cards for your employees at no additional cost. This will allow you to set individual spend limits for your employee cards to make managing your business spending easier and you can accrue miles from purchases across all your employee cards.
- Baggage Insurance
This card offers two types of baggage insurance. Firstly, you’ll have baggage delay insurance to reimburse you for essentials if your passenger carrier delays your bags for more than six hours. The coverage limit is $100 per day for three days.
There is also lost luggage reimbursement for you and your immediate family members. If your checked or carry on luggage is lost or damaged by your carrier, you will have coverage for up to $3,000 per passenger.
- Trip Cancellation And Delay Insurance
If your trip is cut short or canceled due to severe weather, sickness or another covered situation, you can be reimbursed for non refundable, pre paid passenger fares up to $1,500 per person
If your common carrier travel has a delay of 12 hours or more, or requires an overnight stay, you and your family will have cover for unreimbursed expenses of up to $500 per ticket.
Who is the United Business Card Best For?
As a co-branded card, this one is ideal for those who frequently fly with United. The rewards and benefits are tailored towards United travelers, so if you’re a regular flyer, you’ll be able to make the most of what this card has to offer.
The United Business Card is also a strong option for business owners looking for a travel card with a solid range of insurance coverages. With trip interruption/cancellation, trip delay, rental car, and baggage insurance included, this card has you covered for most unexpected situations while you’re on the go.
Card | Rewards | Annual Fee |
| 1X – 6X
6X points on JetBlue purchases, 2X points at restaurants and office supply stores and 1X points on all other purchases | $99
|
|---|---|---|---|
| 1x – 3x
3X points on Southwest airlines purchases, 2X points on participating Rapid Rewards® hotel and rental car partners, 2X points on rideshares, and 1X points on all other purchases | $99 | |
| Delta SkyMiles® Gold Business American Express Card
| 1x – 2x
2X on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Also, earn 1X on every eligible dollar spent on other purchases. | $99, $0 intro first year |
| CitiBusiness® / AAdvantage®
Platinum Select® World Elite Mastercard® | 1x – 2x
2X on eligible American Airlines purchases, cable and satellite providers, gas stations, select telecommunications merchants, car rentals And 1x on other purchases | $99, $0 intro first year |
| Up to 4x miles
4x miles on United Airlines purchases, 2x miles on all other travel purchases, dining and eligible delivery services and 1x miles on all other purchases
| $525 | |
| 1X – 2X
2x per $1 spent on United purchases, hotel accommodations, restaurants & eligible delivery services and 1x per $1 spent on all other purchases
| $95 ($0 first year) |
United Personal vs Business Card
Chase provides various United co-branded cards for personal customers, with the United Explorer card being the closest equivalent for comparison purposes with the United Business card.
Like the Business card, the personal card waives the annual fee for the first year. However, the personal card has an annual fee of $95 ($0 first year), while the business card has a fee of $99. Both cards offer the same rewards rate for United purchases.
Regarding the benefits suite, there are similarities and notable differences. Both cards offer perks such as free first checked bags, priority boarding, two United Club one-time passes, and statement credit for inflight purchases. They also provide similar travel insurance coverage and purchase protections.
However, personal customers have the advantage of receiving a statement credit for reimbursement of TSA PreCheck, Global Entry, or Nexus application fees. On the other hand, they do not receive the United travel credit that is available with the business card.
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FAQs
How do I redeem rewards?
Your rewards will be automatically added to your United MileagePlus account. When you are ready to redeem your miles, you can log into your account and explore the redemption options.
If you want to book an award flight, you can search for flights as usual, but you will then use your miles as the payment method.
How hard is it to get a United Business card?
If you have decent credit, you should not find it particularly difficult to qualify for this card. However, it is subject to Chase’s 5/24 rule.
This means that your application will be declined if you’ve opened up five or more new credit card accounts with any issuer over the last 24 months, regardless of your credit.
When it may not be a good idea?
This card is not a good idea if you don’t typically fly with United on a regular basis. Since the rewards and benefits are weighted towards United, if you don’t fly at least several times a year, you will be unable to get the full value from the card.
In this case, you would be better suited to a general travel rewards card, which will offer greater flexibility and potentially more rewards.
