Our Take
5.0
The bottom line:
United℠ Business Card
on Chase's website
More details from Chase
- Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club(SM) one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
Pros & Cons
Pros
- Free checked bag
- Lounge membership
- Anniversary perk
Cons
- Has annual fee
- Rewards have limited flexibility
Compare to Other Cards
at Chase | at Chase | at Chase |
Annual fee $99 | Annual fee $95 | Annual fee $525 |
Regular APR 21.99%-28.99% Variable APR | Regular APR 21.99%-28.99% Variable APR | Regular APR 21.99%-28.99% Variable APR |
Intro APR N/A | Intro APR N/A | Intro APR N/A |
Recommended credit score 690-850good - excellent | Recommended credit score 690-850good - excellent | Recommended credit score 720-850excellent |
Full Review
United℠ Business Card: Basics and benefits
- 2 MileagePlus miles per dollar spent on purchases from United (including airfare, bag fees, seat upgrades, and in-flight food, beverage and Wi-Fi).
- 2 miles per dollar spent on dining (including eligible delivery services), gas stations and office supply stores.
- 2 miles per dollar spent on local transit and commuting, including taxis, mass transit, tolls and rideshare services.
- 1 mile per dollar spent on all other purchases.
- First checked bag free for you and a companion on your reservation.
- Two United Club one-time-use passes per year.
- 5,000 bonus miles each anniversary when you have a personal United credit card as well as theUnited℠ Business Card.
- $100 annual United travel credit after seven United flight purchases of $100 or more.
- 25% back on United inflight purchases, including Wi-Fi, food and beverages.
Where the United℠ Business Card shines
Bonus rewards
- Dining.
- Gas stations.
- Office supply stores.
- Transit and commuting.
Free checked bags
Priority boarding
Rich sign-up bonus
Other perks
- Airport lounge passes: You get two free United Club passes annually. Typically, you'd pay $59 for just one day pass, so the value of this perk alone surpasses the card's annual fee.
- Primary car rental insurance: You'll have to pay for the rental with yourUnited℠ Business Cardand decline the rental company's coverage. But the coverage is primary, so it kicks in before your own auto insurance, a relatively rare benefit.
- Money back for United loyalists. The card has a $100 annual United travel credit after seven United flight purchases of $100 or more. It’s yet another benefit that alone pays for the annual fee. The card also gives 25% back on United in-flight purchases, including Wi-Fi, food and beverages.
United℠ Business Card: Drawbacks and alternatives
Annual fee
Checked-bag allowance
Reward redemptions
Consider United’s personal card
Is the United℠ Business Card right for you?
on Chase's website