United Airlines Business Card Review (150K Bonus Miles)

United Airlines Business Card Review (150K Bonus Miles)

5
In the interest of full disclosure, OMAAT earns a referral bonus for anyone that’s approved through some of the below links. These are the best publicly available offers (terms apply) that we have found for each product or service. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, hotel chain, or product manufacturer/service provider, and have not been reviewed, approved or otherwise endorsed by any of these entities. Please check out our advertiser policy for further details about our partners, and thanks for your support! The offers for the United℠ Business Card, New United Quest℠ Card, and United℠ Explorer Card have expired. Learn more about the current offers here.

Chase and United Airlines have had a close relationship for years. As part of that, they have several co-branded credit cards, and you can also transfer points from Ultimate Rewards to MileagePlus.

The UnitedSM Business Card is a popular business credit card, and it’s currently offering a phenomenal new welcome bonus. This card could prove to be an excellent value for many small businesses, so in this post I wanted to take a closer look at the card.

United Business Card Review

The United Business Card is a card worth considering for your small business if you fly United with any frequency. The card has an exceptional welcome bonus, offers some useful bonus categories, and comes with perks that can more than offset the annual fee.

Let’s look at what you need to know about this card in more detail.

United Business Card Bonus Of 150,000 Miles

The United Business Card is offering a welcome bonus of up to 150,000 MileagePlus bonus miles across two spending tiers. Here’s how it breaks down:

  • Earn 75,000 miles after spending $5,000 within the first three months
  • Earn an additional 75,000 miles after spending $20,000 within the first six months

While the spending requirement to unlock the largest bonus is big, the reward is also huge. Personally, I value United miles at ~1.4 cents each, so to me those bonus miles are worth a massive $2,100.

Redeem your United miles towards a Polaris ticket

Card Eligibility & Restrictions

The welcome bonus on the United Business Card isn’t available to those who currently have the card, or those who have received a new cardmember bonus on the card in the past 24 months. Even though this card replaces the former United Explorer Business Card, it is considered a separate product. This means you’re eligible even if you have the Explorer Business Card.

In addition to that, there are the typical restrictions when applying for Chase cards, including the 5/24 rule.

United Business Card $99 Annual Fee

The United Business Card has a reasonable $99 annual fee. You can also add authorized users to the card at no extra cost.

United Business Card Rewards Structure: Earn Up To 2x Miles

While I wouldn’t say the bonus categories are industry-leading, the United Business Card does offer bonus miles on some purchases. With the card, you can earn 2x MileagePlus miles on:

  • United Airlines purchases
  • Local transit and commuting, including taxis, mass transit, tolls, and ride-sharing services
  • Gas stations
  • Office supply stores
  • Restaurants
Earn 2x miles on transit

You can earn 1x miles on all other purchases.

While there are lots of cards offering bonus categories, I’d say that’s a pretty well-rounded rewards structure for an airline credit card.

Earn 2x miles for United purchases with the card

No Foreign Transaction Fees

The United Airlines Business Credit Card has no foreign transaction fees, so this is a good card to use for purchases abroad. Visa has excellent global acceptance, and you may even find yourself earning bonus miles for purchases abroad, including at restaurants.

Use your card abroad with no foreign transaction fees

United Business Card Benefits

The United Business Card has a big welcome bonus and a fairly solid rewards structure for an airline small business credit card. The good news is that beyond that, the card has great perks as well.

This is true whether you’re an occasional United flyer, or whether you’re an elite member who is looking for extra perks.

Here’s what you need to know about all the benefits offered by the United Business Card.

Free First Checked Bag

The primary cardmember and one companion traveling on the same reservation receive a standard free first checked bag when flying United or United Express. In order to be eligible for this, you have to pay for your ticket with your United Airlines credit card.

United charges $30 for a first checked bag, so this is a value of up to $120 on a roundtrip ticket.

Two United Club Passes Annually

For having the card you receive two United Club passes annually. This includes the year where you open your card, and in any subsequent years. These will automatically be deposited into your Mileage Plus account within four weeks.

United Club passes ordinarily costs $50, so that’s a value of up to $100.

Receive two United Club passes annually

Priority Boarding

For having the United Business Card you and your companions receive priority boarding on United and United Express flights. You can board before general boarding, after customers with Premier Access and those requiring special assistance. This would be in Group 2.

Receive priority boarding with the car

25% Back On Inflight Purchases

For having the United Business Card you receive 25% back in the form of statement credits on purchases of food, beverages, and Wi-Fi, on United operated flights, when you pay with your United Business Card.

The statement credit should post within 24 hours of your eligible purchase posting to your statement.

$100 Annual United Travel Credit

Every anniversary year you can receive a $100 United Travel Credit on your United Business Card if you make at least seven United flight travel-related purchases, each totaling at least $100.

This includes purchases like seat upgrades, Economy Plus, inflight food, beverages, and Wi-Fi, baggage service charges, or other United fees.

The statement credit will post to your account within 24 hours of your seventh qualifying purchase of $100 or more.

Anniversary Bonus Of 5,000 Miles

Every year on your account anniversary you receive 5,000 bonus miles if you have this card in conjunction with a personal United credit card, like the United℠ Explorer Card (review).

That’s a pretty awesome incentive to keep both a personal and business card and frankly, it’s a really smart incentive for United to offer, given that many personal and business cards have overlapping benefits.

Premier Upgrades On Award Tickets

All United MileagePlus elite members ordinarily receive complimentary upgrades on domestic flights, though this only applies to cash tickets. However, if you have the United Business Card, you also receive Premier upgrades on award tickets.

This applies to the primary cardmember on United and United Express flights. Travel companions and authorized users aren’t eligible for this benefit.

Receive Premier upgrades on award tickets if you have the card

Expanded Award Availability

For having a United co-branded credit card you get access to expanded award availability. Just log into your MileagePlus account, and you should have access to more EveryDay Award level tickets, with no blackout dates.

Obviously, the value of this varies depending on where you’re trying to go.

Get access to more award availability as a cardmember

Earn Premier Qualifying Points Towards Status

Spending money on the United Business Card can help you earn MileagePlus status, even with the recent changes to the program:

  • Earn 500 Premier Qualifying Points (PQPs) for every $12,000 spent in a calendar year
  • Earn up to 1,000 PQPs in a calendar year through the credit card
  • The PQPs can be applied up to Premier Platinum status (though not to Premier 1K status)

Ultimately this won’t get you that far towards status, but is better than nothing. As a reminder, here are United’s regular elite requirements (this doesn’t account for requirements having been reduced in 2021 due to the pandemic):

Trip Delay & Lost Luggage Protection

The United Business Card offers a variety of protection benefits when traveling, assuming you pay for purchases with your card. These features include the following:

  • Trip Cancellation & Trip Interruption Insurance — be reimbursed up to $1,500 per person and $6,000 per trip when your trip is canceled or cut short due to sickness, severe weather, etc.
  • Trip Delay Reimbursement — if your flight is delayed by more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket
  • Lost Luggage Reimbursement — be reimbursed up to $3,000 per passenger if you or your immediate family member check or carry on luggage that is damaged or lost by an airline
  • Baggage Delay Insurance — be reimbursed up to $100 per day for three days for essential purchases when your bag is delayed by over six hours

Make sure you check your cardmember agreement for all of the details, since there are terms & conditions.

Primary Car Rental Coverage

The United Business Card offers a primary collision damage waiver benefit. Just 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 the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad.

Is The United Business Card Worth It?

In general, I don’t recommend using airline credit cards for everyday spending, unless you have a specific reason to do so.

In the case of the United Business Card, I think this is a card that’s worth getting for the phenomenal bonus it’s offering right now and the long-term perks, which can more than offset the annual fee. That being said, I don’t think this card is worth spending much money on:

  • The ability to earn PQPs is fairly limited with this card, and doesn’t justify the spending requirement
  • While the card has some bonus categories, there are ultimately better credit cards for airfare purchases, gas stations, restaurants, etc.

What perks make this card worthwhile? For non-elite members, the priority boarding and first checked bag free could really come in handy.

For elite members, the upgrades on award tickets and the ability to earn PQPs could come in handy.

Then for everyone, the United Club passes, 25% inflight savings, expanded award availability, 5,000 bonus miles for having two United cards, and more, could come in handy.

This really is quite a perks-rich card, in my opinion.

My Favorite United Airlines Personal Card

If you’re looking for a personal United Airlines credit card, the New United Quest℠ Card was recently introduced, and for many this $250 annual fee card is more than worth it:

  • The card is offering a welcome bonus of up to 100,000 MileagePlus miles
  • The card offers some unique perks, like a $125 annual United credit, plus up to 10,000 miles reimbursed each year when redeeming miles on United; for many, those two perks alone will more than offset the annual fee

Read a full review of the United Quest Card.

Other Ways To Earn United Miles

The one thing I’d note is that while this is a great card for the perks, if you actually want to earn MileagePlus miles through spending, remember that MileagePlus is a Chase Ultimate Rewards transfer partner, so you can convert Ultimate Rewards points into United miles at a 1:1 ratio.

There are so many great Ultimate Rewards cards that earn points at a potentially faster rate than you’d earn directly through United, so that’s something worth considering.

Best for beginners Earn 2x points on all travel and 3x points on dining
Chase Sapphire Preferred® Card
Best for premium benefits Earn 3x points on all travel and dining, plus annual travel credits, airport lounge access, and superior trip coverage and purchase protection
Chase Sapphire Reserve®
Best for rotating bonus categories Earn 5% cash back in rotating quarterly bonus categories, which can be converted to Ultimate Rewards points with a premium Chase card
Chase Freedom Flex℠
Best for non-bonus spend Earn 1.5% cash back on all purchases, which can be converted to Ultimate Rewards points with a premium Chase card
Chase Freedom Unlimited®
Best for business travel Earn 3x points on travel, shipping, advertising with social media, and internet and phone services
Ink Business Preferred® Credit Card
Best for office expenses Earn 5% cash back at office supply stores, which can be converted to Ultimate Rewards points with a premium Chase card
Ink Business Cash® Credit Card
Best for everyday business expenses Earn 1.5% cash back on all purchases, which can be converted to Ultimate Rewards points with a premium Chase card
Ink Business Unlimited® Credit Card

See this post for the best credit cards for earning United miles.

There are lots of credit cards that can earn United miles

United Business Card Summary

The United Business Card has an excellent welcome bonus of up to 150K miles. Beyond that, the card can be worth holding onto well beyond the first year.

I love seeing card issuers get more creative with benefits, especially for loyal customers, and this card is a great example of that. For example, I think it’s innovative how they’re offering bonus miles if you have both a personal and business United credit card, and how they’re offering a $100 United credit if you make seven purchases of select United products for $100 each.

If you don’t yet have this card and are eligible, I’d highly recommend prioritizing it, especially with the current bonus of up to 150,000 bonus miles.

Conversations (5)
Newest comments are displayed first.

The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

Type your response here.

If you'd like to participate in the discussion, please adhere to our commenting guidelines. Anyone can comment, and your email address will not be published. Register to save your unique username and earn special OMAAT reputation perks!

  1. Vlad

    I'm confused about the $100 credit for 7 United purchases. The T&C seems to imply (but not overtly state) that only "miscellaneous" purchases like upgrade fees would count. Do you know conclusively if 7 x base airfare purchases would trigger the credit? Thanks!

    1. Vlad

      I just spoke with a Chase rep over the phone and she assured me that a base flight purchase would indeed trigger the credit. I don't have anything in writing. Any specific DPs that anyone can share?

  2. John Richard Stewart

    What would be the cheapest 7 UA purchases to generate the $100 credit?

  3. Andrew

    I can't imagine valuing any of the big 3 carriers at anything other than 1cpp, now that they're all dynamic award pricing.

  4. sacrxy

    Not worthwhile for frequent UA flyers with even Silver status. If you are not already a frequent UA flyer, why bother with the spend to get the sign up bonus ?

Featured Comments Load all 5 comments Most helpful comments ( as chosen by the OMAAT community ).

The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

Vlad

I just spoke with a Chase rep over the phone and she assured me that a base flight purchase would indeed trigger the credit. I don't have anything in writing. Any specific DPs that anyone can share?

Vlad

I'm confused about the $100 credit for 7 United purchases. The T&C seems to imply (but not overtly state) that only "miscellaneous" purchases like upgrade fees would count. Do you know conclusively if 7 x base airfare purchases would trigger the credit? Thanks!

John Richard Stewart

What would be the cheapest 7 UA purchases to generate the $100 credit?

Meet Ben Schlappig, OMAAT Founder
4,523,713 Miles Traveled

25,807,500 Words Written

28,675 Posts Published

Keep Exploring OMAAT