Rewards cards aren’t just for consumers anymore. Small business owners can get in on the fun and earn a cheap flight here or a free hotel stay there. However, with so many credit card options, picking the right one can be daunting.
The United℠ Business Card from Chase is designed for the business owner looking to redeem miles on United and its Star Alliance partner airlines. The card’s welcome bonus alone can get you a flight almost anywhere in the world, and the card’s perks are enough to offset the annual fee — especially if your business spends a lot of money at restaurants, office supply stores and gas stations.
A welcome bonus worth hundreds of dollars toward travel
The current welcome bonus is: 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. NerdWallet values United miles at about 1 cent each, so the welcome bonus for this card is worth hundreds of dollars toward flights.
More award flights to choose from
Perhaps the most valuable benefit of a United Airlines credit card is that you get more options for United award flights than non-cardmembers.
When you’re signed in to your MileagePlus account and search for award seats, you’ll see under some flights: “Exclusively available to you as a MileagePlus Chase Cardmember.”
Access to more award flights is a great perk. It can make a business trip more affordable, make a long-awaited family vacation happen or simply save you miles when you have limited options.
2X miles at restaurants, office supply stores and more
In addition to the welcome bonus, you earn 2 United miles per dollar by using the card at restaurants, select delivery services, gas stations, local transit and commuting booths, office supply stores and on United Airlines purchases. All other purchases earn 1 mile per dollar spent.
$100 United annual travel credit
Every membership year you make seven or more United travel-related purchases of at least $100 each, including seat upgrades and baggage fees, you qualify to receive a $100 credit to use with United Airlines.
Free checked luggage for two travelers
With this card, you and one companion traveling on the same reservation can each check a bag at no extra cost. To receive the benefit, provide your MileagePlus number when making the booking and use your card to pay for airfare. Even if you just use the card to pay taxes on award tickets, you’ll get the free baggage benefit.
United normally charges travelers $30 to $35 to check a bag, depending on whether you pay for it in advance or at the airport. By using your card to pay for United flights, you can save up to $140 on each round-trip you take with a friend, family member or a co-worker.
Two United Club passes per year
Cardmembers receive two complimentary one-time United Club passes every year they renew their card. A day pass typically costs $59, so this benefit is worth $118.
United Club is a collection of airport lounges where you can expect all the usual amenities, such as complimentary beverages, snacks, Wi-Fi and reservation assistance.
» Learn more: The credit cards that offer airport lounge access
As planes get fuller, so do overhead bins. Being among the first passengers onboard increases your chances at finding that coveted empty space — bonus if it’s actually above your seat.
Holding the United℠ Business Card lets you board a United plane after MileagePlus Premier members but before those in the general boarding group. You won’t be the first to get on the plane, but you won’t be the last either, making it easier to stow your carry-on bag instead of getting stuck gate-checking it.
No foreign transaction fees
This card applies no foreign transaction fees to purchases made outside of the United States. If you travel internationally often, fees can add up quickly. This feature saves you about 3% per transaction when compared to using a card that charges foreign transaction fees. It can be a significant chunk of change on large purchases, such as a hotel bill or a shopping spree while on vacation.
Mid-range annual fee
The card's annual fee is $0 intro for the first year, then $99. It’s easy to offset that fee by checking a bag on just two round-trip flights or by using United Club passes every year.
The bottom line
With its sizable welcome bonus, access to more award flights, lounge passes and bonus points for spending in certain categories, the United℠ Business Card can be a great choice for any business owner looking to earn miles to fly United or its partners.
How to Maximize Your Rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2021, including those best for:
Airline miles and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Wells Fargo Propel American Express® card
Flat-rate rewards with no annual fee: Bank of America® Travel Rewards credit card
Premium travel rewards: Chase Sapphire Reserve®
Luxury perks: The Platinum Card® from American Express
Business travelers: Ink Business Preferred® Credit Card