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United℠ Business Card review

Written by Nov. 11, 2022 Nov. 11, 2022

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Snapshot

4.5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon on Chase's secure site

BEST FOR FIRST-YEAR VALUE

United℠ Business Card

Rewards rate 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. Annual fee Intro offer Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Regular APR Recommended Credit Score A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

United Business Card Overview

Small business owners who are loyal to can rejoice with the United Business card. Its valuable welcome offer kickstarts your experience with plenty of momentum and its numerous benefits and make it a contender among the numerous available.

What are the pros and cons

Pros

Generous welcome offer Earn miles for everyday business purchases Great travel benefits

Cons

Carries an annual fee No intro APR on purchases or balance transfers

A deeper look into the current card offer

Quick highlights

Rewards Rate: 2x miles on United Airlines purchases and 1x miles on all other purchases Welcome Offer: 75,000 bonus miles after you spend $5,000 in the first 3 months Annual Fee: $0 introductory annual fee for the first year, then $99. Purchase Intro APR: N/A Balance Transfer Intro APR: N/A Regular APR: 19.49 percent to 26.49 percent variable

Current welcome offer

The United Business card recently slashed its welcome offer in half: You can now earn 75,000 miles after you spend $5,000 in your first three months, down from the up to 150,000 bonus miles that came with the card's previous offer. That said, the bonus still offers great value. Based on 1.1-cent-per-mile value estimate, this offer can be worth around $825 in United travel.

Rewards

In addition to the welcome offer, this particular United credit card provides plenty of opportunities to earn miles toward future travel or other rewards. Don't forget, you can earn rewards on your employees' cards, too.

Earning rewards

You'll earn 2x rewards miles for each dollar spent on United tickets and select United purchases (such as in-flight food and entertainment). You'll also earn 2x rewards miles for restaurant purchases-including delivery services like Grubhub and DoorDash. Purchases for office supplies, gas stations and local commuting will earn the 2x miles per dollar as well. All other purchases will earn 1x mile per dollar. If you happen to also have a personal United credit card, you'll receive 5,000 miles every year on your card anniversary.

Redeeming rewards

You can redeem your rewards through the United MileagePlus portal toward flights with United Airlines and with a number of , including airlines that are part of the Star Alliance network. If you don't want to redeem miles for airline travel, you can put them to use toward cruises, gift cards, travel experiences or other exciting gifts. As a cardmember, you'll have access to more rewards seats, similar to the ones Elite status members enjoy, so you can score even more deals through the rewards portal.

Key cardholder perks

Where the United Business card outshines many of its competitors is the number of benefits and travel perks offered.

Travel benefits

When you fly United, you and a companion receive your first checked bags free (if you bought the ticket with your United Business card). Typically, your first checked bag has a $35 fee, so just one round-trip flight with you and a companion can make a dent in the card's annual fee. Annually, you'll receive two passes to the and lounge so you can relax and have a few snacks while you're waiting for your next flight. If you make seven or more United Airlines purchases of at least $100 per year with your business card, you'll also receive a $100 statement credit. And you'll always be eligible for seat upgrades as a card member.

Travel protection

You have plenty of extra coverage if you hit a snag while you're traveling. For starters, you have up to $6,000 in reimbursements for trip cancellations. If your baggage is delayed for six or more hours by the airlines, you'll receive up to $100 per day (up to three days) for reimbursement and up to $3,000 if your baggage is lost. Other benefits include travel accident insurance, roadside assistance, trip delay insurance and auto rental collision damage waiver.

Luxury hotel perks

There are over 1,000 properties included in the Luxury Hotel and Resort Collection (LHRC), and you'll receive several extras if you book with your United business card. Fun perks include daily breakfast for two, free Wi-Fi and complimentary room upgrades (if available).

Rates and fees

The card is subject to a $99 annual fee. Luckily, though, if you use your card while traveling overseas, you won't have to pay a foreign transaction fee on any purchases. The United Business card also has a decent APR and balance transfer fee. Currently, the card's ongoing APR is set at 19.49 percent to 26.49 percent (variable), based on your creditworthiness. Balance transfers require a $5 or 5 percent fee, whichever is greater.

How the United Business Card compares to other business cards

You certainly have numerous choices when it comes to business credit cards. How does the United Business card stack up? The is a popular business card offering 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first three months of Card Membership (Terms Apply). Then you'll earn 4x points on up to $150,000 per calendar year in combined purchases in two categories where your business spends the most each billing cycle (including airfare purchased directly from airlines, advertising purchased in the U.S. to promote your business online, on TV or on the radio, U.S. gas stations, U.S. restaurants, U.S. shipping and U.S. computer hardware, software and cloud computing purchases made directly from select providers). You'll be subject to a $295 annual fee, but you won't have to worry about foreign transaction fees. Another business card that doesn't have foreign transaction fees is the . Although there is a $95 annual fee, it's hard to beat the initial 100,000 reward points in Chase Ultimate Rewards you earn if you spend $15,000 in the first three months. You'll also earn 3x points for the first $150,000 you spend annually on qualifying purchases.

United℠ Business Card

star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon Bankrate Score Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on Chase's secure site Annual fee Intro offer Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Rewards rate 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. Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

American Express® Business Gold Card

on American Express's secure site Annual fee Intro offer Welcome Offer: Earn 70,000 Membership Rewards points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* Rewards rate Get 4X Membership Rewards points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. ** Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.* Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Ink Business Preferred® Credit Card

on Chase's secure site Annual fee Intro offer Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards Rewards rate Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Best cards to pair with the United Business Card

The best card to pair this United credit card with is a card that includes a low or 0 percent intro APR on purchases. This is especially true if or new business owner and need to invest in capital for your business and need payment flexibility along with low or no interest.

Bankrate s Take Is the United Business Card worth it

If you're loyal to United Airlines and need a business credit card, then the United Business card may be worth adding to your portfolio. Between the welcome bonus, the MileagePlus rewards and travel perks, it could make your business (or personal) travel easier and, dare we say, more exciting. For rates and fees of the American Express Business Gold card, please click .

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Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. * See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.