The United Business Card is tailored for small-business owners who frequently fly with United Airlines and want to earn miles on everyday operational expenses. It combines elevated mileage rates on flight bookings and business categories with premium travel perks like priority boarding and club passes.
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Overview
Frequent United business travel
Office supply and commuting expenses
Annual airport lounge visits
For business owners who regularly fly United, the $150 annual fee is easy to justify. Between two annual United Club passes, priority boarding, primary car rental insurance, and up to $100 in annual rideshare credits, the card provides clear value that easily exceeds its annual cost. The ability to earn bonus miles on office supply stores, gas, transit, and dining also helps accelerate award flight redemptions on regular company spending.
However, if your business spends heavily in categories outside its target areas, or if you prefer the flexibility of transferable travel points, a general travel card or flat-rate business card might be a better fit. The card shines primarily when paired with regular United travel and spending in its boosted categories.
This card is an excellent fit for United loyalists who want travel perks and earnings tied to business spending, though non-frequent flyers will find better value elsewhere.
Welcome Offer
after you spend $5,000 on purchases in the first 3 months your account is open.
Est. Value
$1,326
Required Spend
$5,000
Time Frame
3 Months
Est. Value
$1,326
Required Spend
$5,000
Time Frame
3 Months
Earning
Earnings accumulate as MileagePlus miles, featuring boosted rates on United purchases alongside common business categories like office supplies, gas, dining, and commuting.
United flights
Dining, Gas stations, Office supply stores, Transit
United purchases
Everywhere
Rewards percent based on a valuation of 1.3¢ per MileagePlus mile
Annual Credits & Perks
The card offers a strong selection of built-in travel conveniences and annual statement credits that can easily offset the annual fee for active business travelers.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
$125 United travel creditBenefits
5,000-mile better-together anniversary bonus
You'll receive 5,000 bonus miles each year on your United℠ Business Card anniversary when you have both the United Business card and a personal Chase United credit card.
25% back on United inflight and Club premium drink purchases
Enjoy 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flights as well as on premium drink purchases at United Clubs when you pay with your United card.
Benefits
Auto Rental Coverage
Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
Lost Luggage Reimbursement
Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
Roadside Assistance
If you have a roadside emergency, you can call for a tow, battery assistance, tire change, locksmith, or gas. You’re covered up to $50 per incident 4 times a year.
Baggage Delay Insurance
Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
Benefits
Priority Boarding
Get on board early and make yourself comfortable. It’s a great start to every United flight. The primary Cardmember, and companions on the same reservation, will be invited to board United operated flights prior to general boarding.
Premier Access® Travel Services
Start your journey stress-free by avoiding long lines and getting early access to overhead bins. Priority check-in, security screening, boarding and baggage handling privileges (where available).
3-Month Complimentary Instacart+ Membership
Get complimentary Instacart+ Membership for three months, including unlimited deliveries with $0 delivery fees on eligible orders. After that, you're automatically enrolled in Instacart+ at 25% off the annual rate. Service fees and terms apply. Benefits end 12/31/27.
Complimentary DashPass Membership
$0 delivery fees on eligible orders from DoorDash and Caviar after activating by 12/31/27.
Benefits
2 United Club℠ One-Time Passes Annually
Start your trip off right at the United Club. Enjoy a little relaxation and complimentary snacks before takeoff. Plus, take advantage of more amenities like workspaces, free Wi-Fi and more. All made possible with two United Club one-time passes, which will be deposited into your MileagePlus account after account opening and each year for your Cardmember anniversary.
Eligibility
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$150
Purchase APR
19.74% - 28.24%
Variable
Transfer APR
19.74% - 28.24%
Variable
Cash Advance APR
28.49%
Variable
Foreign Transaction Fee
None
Balance Transfer
$5
Cash Advance
$15
Late Payment
None
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MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn 200,000 bonus points
Worth $3,000
After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
Annual Fee
$795
Rec. Credit
Good
Earn 100,000 bonus points
Worth $1,500
After you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$795
Rec. Credit
Excellent
Earn 100,000 bonus points
Worth $1,500
After you spend $8,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Rec. Credit
Good
