Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

United℠ Business Card

Learn More

United℠ Business Card Review

Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months!

United℠ Business Card Review

United℠ Business Card

Learn More

Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months!

Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Introduction

The United℠ Business Card is a robust financial tool tailored for small business owners and frequent flyers of United Airlines. This card stands out for its substantial welcome bonus, coupled with a versatile rewards program that benefits both travel and business expenses. With an annual fee of $99, it targets those who can leverage United’s travel network for their business needs.

The card’s significant mileage earning potential on airline purchases, dining, gas stations, and office supply spending, along with other unique perks, makes it a compelling choice for entrepreneurs and professionals who regularly travel with United. This introduction will guide you through the key features and benefits of the United℠ Business Card, helping you to determine if it aligns with your business and travel requirements.

Welcome Bonus

One of the most attractive features of the United℠ Business Card is its generous welcome bonus. New cardholders are enticed with the opportunity to earn 100,000 bonus miles after spending $5,000 on purchases within the first three months of account opening. This bonus is particularly substantial, especially for businesses that have significant upfront expenses or for those planning considerable spending in the short term.

The value of these 100,000 bonus miles can be quite significant. For frequent United Flyers, this can translate into multiple domestic flights or even international travel, depending on the flight choices and award seat availability. This bonus alone can offset the card’s annual fee several times over, making it an enticing offer for new users.

However, it’s important to strategize your spending to meet this bonus threshold without unnecessarily straining your finances. Businesses that can naturally meet this spending threshold due to their operational expenses will find this bonus particularly rewarding. It’s a smart way to turn your regular business expenses into potential travel opportunities.

Furthermore, there’s an added dimension to the welcome bonus for those who hold both the United℠ Business Card and a personal Chase United® credit card. In such cases, cardholders receive a 5,000-mile “better together” bonus each anniversary. This synergy between business and personal spending amplifies the overall rewards, making it a strategic consideration for individuals deeply invested in the United MileagePlus program.

In conclusion, the welcome bonus on the United℠ Business Card serves as a lucrative incentive for new cardholders, offering a significant boost to their MileagePlus account. It’s an excellent springboard for entrepreneurs and professionals who frequently travel, allowing them to leverage their business spending into rewarding travel experiences.

Earning Rewards

The United℠ Business Card is designed to reward business owners and frequent travelers with an array of earning opportunities. The card’s rewards structure is particularly advantageous for those whose spending aligns with the bonus categories.

Firstly, cardholders earn 2 miles per $1 spent on purchases with United Airlines. This includes tickets, in-flight purchases, and other United services, making it a lucrative option for those who regularly fly with United. The card also offers the same rate of 2 miles per $1 on other business-centric categories: dining (including eligible delivery services), gas stations, office supply stores, and local transit, including rideshares and commuting expenses. This broad range of categories ensures that various aspects of business operations, from travel to office necessities, are rewarded.

In addition to these categories, the card provides 1 mile per $1 spent on all other purchases. This includes expenses outside the specified bonus categories, ensuring that every dollar spent contributes to your MileagePlus account.

Another significant aspect of the United℠ Business Card is the inclusion of employee cards at no additional cost. The miles earned from purchases made on employee cards accumulate in the primary cardholder’s account. This feature enables businesses to consolidate spending and accelerate the earning of rewards across the team.

It’s important to note that the card’s rewards system is geared towards United’s services and frequent business expenses. For businesses with high spending in these areas, the United℠ Business Card can be an efficient tool to accumulate miles quickly, which can be redeemed for flights, upgrades, and other travel-related rewards.

In summary, the rewards structure of the United℠ Business Card is tailored to cater to the needs of business owners and regular United travelers. With generous earning rates in relevant categories and the addition of employee cards, it’s a strategic choice for businesses looking to maximize their rewards through their everyday spending.

Redeeming Rewards

The reward miles accrued with the United℠ Business Card can be redeemed in various ways, offering flexibility and value to cardholders. This section will delve into the redemption options available, helping cardholders maximize the value of their earned miles.

  1. Flight Redemptions and Upgrades: The most straightforward way to redeem miles is towards United flights. Cardholders can book award tickets for domestic and international flights. The value of miles varies depending on the destination, time of travel, and class of service. Additionally, cardholders can use miles to upgrade to premium cabins, enhancing the travel experience.
  2. Expanded Award Availability: One of the unique benefits for United℠ Business Card members is access to expanded award seat availability. This perk allows cardholders to find more options for redeeming miles, especially useful during peak travel times or on popular routes. It’s a significant advantage over non-cardholders who might find limited award seat availability.
  3. Partner Airlines and Travel Packages: Miles can also be used for booking flights on Star Alliance and other partner airlines, offering a wider network of destinations. Furthermore, cardholders have the option to redeem miles for travel packages, including hotel stays and car rentals, providing a comprehensive travel solution.
  4. Premier Upgrades on Award Tickets: An exclusive perk for United℠ Business Card holders is the ability to receive Premier upgrades on award tickets. This benefit is applicable to the primary cardmember on United and United Express flights, providing an enhanced flying experience.
  5. Non-Travel Redemptions: While the best value typically comes from travel-related redemptions, miles can also be used for merchandise, gift cards, and experiences. These options might offer lower value per mile but provide flexibility for those who prefer non-travel redemptions.
  6. Donations: Cardholders can choose to donate their miles to charity, supporting causes through United’s MileagePlus program. This option allows for a philanthropic use of miles, contributing to various charitable organizations.

It’s important for cardholders to consider the value per mile when redeeming. Generally, redeeming miles for flights, especially international business or first-class tickets, offers the highest value. Cardholders should also stay updated with United’s award chart and any promotional offers to maximize the value of their miles.

In conclusion, the United℠ Business Card offers a range of redemption options that cater to various preferences and needs. Whether it’s for flights, upgrades, or other rewards, understanding these options can help cardholders make the most out of their earned miles.

Perks and Benefits

The United℠ Business Card offers an array of perks and benefits that greatly enhance the travel experience and provide value to business owners. These perks not only make travel more comfortable and convenient but also offer significant savings.

  1. Free First Checked Bag: Cardholders, along with one companion on the same reservation, receive their first checked bag free on United-operated flights. This benefit can lead to substantial savings, especially for frequent travelers.
  2. United Club℠ Passes: Each year, cardholders receive two one-time passes to United Club℠ lounges. These passes offer access to a relaxed space with complimentary snacks, beverages, and Wi-Fi, making layovers more enjoyable.
  3. Priority Boarding: The card provides priority boarding on United flights, allowing cardholders to board the plane earlier. This is especially beneficial for finding overhead bin space and settling in comfortably.
  4. $100 United Travel Credit: After making seven United flight purchases of $100 or more each anniversary year, cardholders earn a $100 United travel credit, which can be used for future United travel.
  5. Trip Protection: The card offers several travel protections, including trip cancellation and interruption insurance, trip delay reimbursement, lost luggage reimbursement, and baggage delay insurance. These protections provide peace of mind and potential savings in unforeseen circumstances.
  6. Premier Qualifying Points (PQPs): Cardholders can earn PQPs towards United MileagePlus status, enhancing their loyalty program benefits. Spending on the card contributes to status qualification, a valuable perk for frequent United flyers.
  7. Primary Rental Car Coverage: When renting a car for business purposes, the card provides primary collision damage waiver coverage. This feature is particularly valuable for business travelers, offering protection and potentially avoiding the need for additional rental insurance.
  8. Expanded Award Availability and Premier Upgrades: Cardholders enjoy expanded award availability on United flights and the possibility of Premier upgrades on award tickets, subject to availability. This perk enhances the utility of miles earned through the card.
  9. No Foreign Transaction Fees: The United℠ Business Card does not charge additional fees on purchases made outside the U.S., making it a cost-effective option for international travel.

These benefits are tailored to meet the needs of business travelers and United loyalists, offering both practical and luxury perks. From travel comforts to financial protections, the United℠ Business Card is equipped to enhance your travel and business experiences.

Pros and Cons

The United℠ Business Card offers several advantages and some limitations, which are important to consider when evaluating its suitability for your business and travel needs.

Pros:

  1. Generous Welcome Bonus: The offer of 100,000 bonus miles is substantial, providing a significant head start for new cardholders in accumulating travel rewards​.
  2. Rewarding Spending Categories: Earning 2 miles per $1 on United purchases and other business-related expenses like dining and gas stations can rapidly accumulate rewards​.
  3. Valuable Travel Perks: Free checked bags, priority boarding, United Club passes, and no foreign transaction fees enhance the travel experience​​​​​.
  4. Anniversary Benefits: The 5,000-mile bonus each anniversary for holding both a United℠ Business Card and a personal Chase United® credit card is a unique perk​.
  5. Travel Protections: The card includes trip cancellation/interruption insurance, lost luggage reimbursement, and primary rental car coverage, providing peace of mind while traveling​.

Cons:

  1. Annual Fee: The card comes with a $99 annual fee, which might be a consideration for some businesses​​​.
  2. Limited Reward Flexibility: Rewards are primarily focused on United-related spending, offering less flexibility compared to cards with broader reward categories​.
  3. High APR: The card’s variable APR range is on the higher side, which could be a concern for those who carry a balance​.
  4. Tied to a Single Airline: The card’s benefits are most valuable for those who frequently fly with United, limiting its appeal to travelers who prefer a variety of airlines​.

In summary, the United℠ Business Card is a strong choice for frequent United Flyers and businesses that can take full advantage of its travel-related perks and rewards structure. However, the annual fee and focus on United-specific benefits might limit its appeal to a broader audience. It’s important to weigh these pros and cons against your specific business and travel patterns.

Comparison to Other Cards

When choosing a business credit card, it’s crucial to compare options to find the one that best fits your needs. Let’s see how the United℠ Business Card stacks up against similar offerings, specifically the Chase Ink Business Preferred Credit Card, as mentioned in the NerdWallet review​.

  1. Rewards Structure: The United℠ Business Card offers 2 miles per $1 spent on United purchases, dining, gas stations, office supply stores, and local transit, and 1 mile per $1 on all other purchases. In comparison, the Chase Ink Business Preferred Credit Card offers 3 points per dollar on the first $150,000 spent on travel and select business categories each account anniversary year and 1 point per dollar on all other purchases.
  2. Welcome Bonus: The United℠ Business Card’s welcome bonus is 100,000 miles after spending $5,000 in the first 3 months, while the Chase Ink Business Preferred offers 100,000 bonus points after you spend $15,000 on purchases in the first 3 months.
  3. Travel Perks: The United℠ Business Card shines with travel perks like free checked bags, priority boarding, and United Club passes. The Chase Ink Business Preferred doesn’t offer specific airline-related perks but does include trip cancellation/interruption insurance and primary rental car coverage.
  4. Annual Fee: Both cards have an annual fee, with the United℠ Business Card at $99 and the Chase Ink Business Preferred at $95.
  5. Point Flexibility: The Chase Ink Business Preferred offers greater flexibility in point redemption, allowing transfers to various airline and hotel loyalty programs, including United. The United℠ Business Card’s rewards are more tailored to United services and flights.
  6. APR and Credit Requirements: Both cards have similar APRs and recommended credit scores, catering to users with good to excellent credit.

In conclusion, the United℠ Business Card is ideal for frequent United flyers and businesses that can leverage its specific perks. In contrast, the Chase Ink Business Preferred offers more flexibility in rewards and may be better suited for businesses with diverse spending patterns and travel preferences not tied to a single airline.

Conclusion

The United℠ Business Card is a compelling option for small business owners and individuals who frequently travel with United Airlines. Its significant welcome bonus, rewarding spending categories on business and travel expenses, and valuable travel perks like free checked bags and lounge access make it a strong contender in the travel credit card market. However, its benefits are most advantageous for those loyal to United, and the annual fee and higher APR are factors to consider. Ultimately, if United is your airline of choice and your spending aligns with the card’s bonus categories, the United℠ Business Card can offer excellent value and enhance your travel experience.

Frequently Asked Questions

How does having the United℠ Business Card impact my MileagePlus status? Cardholders can earn Premier Qualifying Points (PQPs) towards MileagePlus status, enhancing the benefits of United’s loyalty program. Spending on the card contributes to status qualification, although it won’t fully cover the requirements for top-tier statuses.

What are the specific travel protections offered by the United℠ Business Card? The card provides several travel protections, including trip cancellation/interruption insurance, trip delay reimbursement, lost luggage reimbursement, and baggage delay insurance, offering peace of mind and potential financial savings during travel disruptions.

Can I earn rewards on purchases made with employee cards? Yes, employee cards can be added at no additional cost, and miles earned from their purchases accrue in the primary cardholder’s account, helping to accumulate rewards faster.

Are there any restrictions on redeeming the United Club℠ passes? The two one-time United Club℠ passes received annually are a valuable perk. However, there might be restrictions based on club capacity and other terms, so it’s advisable to check specific club entry requirements.

How does the United℠ Business Card compare to personal United Airlines credit cards? While the United℠ Business Card is designed with business owners in mind, personal United Airlines credit cards, like the United Quest℠ Card, cater to individual travelers. The business card has unique features like employee cards and specific business-related reward categories, while personal cards might offer different perks and bonuses.

Leave A Reply