United Business card review: rewards, sign-up bonus, benefits, & more


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Annual Fee

$99, waived the primary 12 months

Regular APR

16.49%–23.49% variable APR

Credit Score

Good to Excellent

Featured Reward

75,000 bonus miles after $5,000 in purchases throughout the first three months of account opening

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  • Details
  • Pros & Cons

    • Limited Time Offer: Earn 75,000 bonus miles after qualifying purchases, plus $zero intro annual price
    • Receive 5,000 bonus miles every anniversary when you might have the United Business Card and a private United credit score card
    • Free checked bag – save as much as $140 per roundtrip (phrases apply)
    • Earn 2 miles per $1 spent on United purchases, at fuel stations, workplace provide shops and more. Plus, you will earn 1 mile per $1 spent on all different purchases.
    • Earn 2 miles per $1 spent at eating places together with eligible supply providers
    • 2 United Club℠ one-time passes at account opening and on every anniversary over a $100 worth per 12 months
    • Earn a $100 United journey credit score after 7 flight purchases of $100 or more every anniversary 12 months
    • Add worker playing cards at no further price – miles earned from their purchases accrue in your account and you’ll set particular person spending limits on every card.
    Pros
    • Solid journey advantages with United, together with a free checked bag and precedence boarding
    • $100 annual United journey credit score is comparatively simple to earn
    Cons
    • Beyond the sign-up bonus, it’ll take some time to earn a number of miles by on a regular basis spending on this card


    Read Our Review
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    Review: Is the United Business card the best choice for you?

    The United℠ Business Card card options the same old array of journey advantages like free checked luggage, precedence boarding, and in-flight buy reductions, nevertheless it additionally gives some attention-grabbing new advantages which might be contingent on spending and, apparently sufficient, the opposite playing cards you carry.

    If you are excited about getting this card, it is best to ask your self just a few questions. First, would you like a enterprise card versus a private one? Carrying a enterprise credit score card is a good way to separate your private and work bills, and might even assist increase your private credit score rating, and you do not essentially should have your personal enterprise to qualify for one.

    The second query is, will you be capable to benefit from this card’s advantages versus these of one other United credit score card? For instance, the United℠ Club Business Card card prices $450 per 12 months and comes with United Club entry, which could come in useful for individuals who spend a number of time in airports. 

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  • Details
  • Pros & Cons

  • Pros
    • Full United Club membership
    • Earns 1.5 miles on all non-United purchases
    • Cardholders can get 2 free checked luggage on United
    Cons
    • High annual price
    • No bonus miles-earning classes past United

    On the private facet, there’s the United℠ Explorer Card. Its journey advantages are principally the identical, nevertheless it has one perk the United Business Card doesn’t — each 4 years, cardholders are eligible for a Global Entry or TSA PreCheck utility price refund.

    That mentioned, you would possibly need to carry each the United℠ Business Card and the United℠ Explorer Card so you may earn 5,000 bonus miles annually. And if you happen to commonly make United purchases of $100 or more anyway, incomes a $100 assertion credit score annually is a no brainer and principally wipes out the United Business Card’s annual price.

    Bottom line: Although it joins a crowded area of fantastic United bank cards, the brand new United Business Card has a number of standout advantages that make it nicely value contemplating for each frequent and occasional United flyers.

    United Business Card versus different United playing cards

      United℠ Business Card United℠ Club Business Card United℠ Explorer Card
    Annual price $99, waived the primary 12 months $450 $95, waived the primary 12 months
    Rewards price

    2x miles on United purchases

    2x miles on eating places, workplace provide shops, and native transit and commuting

    1 mile per greenback on all different purchases

    2x miles on United purchases

    1.5 miles per greenback on all different purchases

    2x miles on United purchases

    2x miles on eating places and motels bought immediately by the resort

    1 mile per greenback on all different purchases

    Welcome bonus 75Okay miles after spending $5K within the first three months 50Okay miles after spending $3K within the first three months 40Okay miles after spending $2K within the first three months
    United advantages

    2 United Club one-time passes

    Free first checked bag

    Priority boarding

    $100 United credit score*

    Full United Club membership

    Free first and second checked bag

    Premier Access check-in, safety, boarding, and baggage

    2 United Club one-time passes

    Free first checked bag

    Priority boarding

      Learn more Not out there by Business Insider Learn more

    *$100 United credit score after making seven or more United flight purchases of $100 or more every card anniversary 12 months

    United Business Card versus different airline enterprise playing cards

      United℠ Business Card CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Delta SkyMiles® Platinum Business American Express Card
    Annual price $99, waived the primary 12 months $99, waived the primary 12 months $250
    Rewards price

    2x miles on United purchases

    2x miles on eating places, workplace provide shops, and native transit and commuting

    1 mile per greenback on all different purchases

    2x miles on American Airlines purchases

    2x miles at telecommunications retailers, cable and satellite tv for pc suppliers, automotive rental retailers, and fuel stations 

    1 mile per greenback on all different purchases

    3x miles on Delta purchases

    1 mile per greenback on all different purchases

    Welcome bonus 75Okay miles after spending $5K within the first three months 65Okay miles after spending $4K within the first four months 70Okay miles and 5K MQMs after spending $4K within the first three months
    Airline advantages

    2 United Club one-time passes

    Free first checked bag

    Priority boarding

    $100 United credit score*

    Free first checked bag

    You can earn a companion certificates

     

    Free first checked bag

    Annual companion certificates

      Learn more   Learn more

    Using United miles

    The miles you earn with the United℠ Business Card — each from the welcome bonus and thru on a regular basis spending — can be utilized to e-book award flights on United. The airline not publishes an award chart for United flights, however yow will discover the approximate price in miles by looking out dates for an award flight on United’s web site.

    You can anticipate to pay 12,500 to 14,500 miles for a one-way home flight in economic system when saver pricing is obtainable. That means you may rating a round-trip home economic system ticket for as little as 25,000 miles.

    United Airlines is a part of the Star Alliance, and you can even use United miles to e-book award flights on different Star Alliance airways. These embody ANA, Air Canada, Lufthansa, Swiss, and Thai.

    Using your United miles to e-book a first-class flight with one in all these airways is a good way to get most worth. Not solely will you get more worth from every mile with a premium-cabin ticket, however you will additionally get pleasure from all of the perks of first or enterprise class longer if you happen to select to fly one in all these carriers to a long-haul vacation spot like Asia.

    United Business Card options

    Travel advantages

    Cardholders are entitled to myriad advantages associated to journey on United itself. They obtain two United Club one-time passes after every account anniversary and paying the annual price. These passes usually price $59 every, so this perk is value $108 yearly.

    Cardholders can declare a free checked bag for themselves and as much as one companion touring on the identical reservation once they use their card to buy the tickets. Since checked luggage price $30 every, this provides as much as a possible $120 in worth per round-trip reservation. Cardmembers are additionally eligible for precedence boarding and a 25% low cost on in-flight meals, beverage, and Wi-Fi purchases on United and United Express flights.

    Finally, carrying this card opens up expanded award area on United flights that isn’t out there to non-cardholders and might convey down the variety of miles you want for redemptions dramatically.

    Among the brisker perks on the United℠ Business Card is the truth that every account 12 months you make seven United flight travel-related purchases totaling $100 or more every utilizing your card, you may obtain a $100 assertion credit score per cardmember 12 months. These purchases embody seat upgrades, Economy Plus seat assignments, in-flight meals, beverage, and Wi-Fi, baggage costs, and some different charges.

    Another never-before-seen perk: If you might have this card plus one in all United’s private bank cards just like the United℠ Explorer Card, you’ll obtain 5,000 bonus factors every account anniversary. This is an intriguing play to get flyers to maneuver their enterprise to United and double down with each private and enterprise bank cards.

    Other advantages

    Aside from United-specific advantages, this card confers a number of different journey perks and protections.

    Cardholders can rely on major insurance coverage when renting automobiles for enterprise functions, which is usually a lifesaver when issues go fallacious on the street.

    Its journey cancellation and interruption protection tops out at $1,500 per particular person and $6,000 per journey, whereas journey delays beginning at 12 hours are reimbursed as much as $500 per ticket. The baggage delay insurance coverage kicks in at six hours and covers as much as $100 per day for 3 days whereas misplaced baggage is insured for as much as $three,000 per passengers. Purchase safety have to be claimed in opposition to broken or stolen objects inside 120 days and maxes out at $10,000 per declare and $50,000 per account.

    Overall, these buy and journey protections are fairly complete and make the United℠ Business Card a stable alternative for journey and different bills. 

    Annual Fee

    $99, waived the primary 12 months

    Regular APR

    16.49%–23.49% variable APR

    Credit Score

    Good to Excellent

    Featured Reward

    75,000 bonus miles after $5,000 in purchases throughout the first three months of account opening

    Chevron icon It signifies an expandable part or menu, or generally earlier / subsequent navigation choices.

    United Business card prices and costs

    The United℠ Business Card has a $99 annual price, nevertheless it’s waived to your first 12 months of cardmembership. The card would not cost overseas transaction charges, which makes it a handy choice for journey.

    You can keep away from most different charges with the United℠ Business Card if you happen to pay your stability in full every month.

    The card carries a 16.49%–23.49% variable APR on purchases with no intro APR, so that you should not use this card if you have to carry a stability from month to month. Instead, contemplate the most effective bank cards with zero% intro APR gives.

    There’s a balance-transfer price of 5%, with a $5 minimal. The cash-advance price can also be 5%, however with a minimal of $15.

    Disclosure: This put up is delivered to you by the Personal Finance Insider group. We sometimes spotlight monetary services that may make it easier to make smarter selections along with your cash. We don’t give funding recommendation or encourage you to undertake a sure funding technique. If you are taking motion based mostly on one in all our suggestions, we get a small share of the income from our commerce companions. This doesn’t affect whether or not we function a monetary services or products. We function independently from our promoting gross sales group.

    Business Insider could obtain a fee from The Points Guy Affiliate Network, however our reporting and proposals are all the time unbiased and goal.

    Please notice: While the gives talked about above are correct on the time of publication, they’re topic to vary at any time and will have modified, or could not be out there.

    Disclosure: This put up is delivered to you by the Personal Finance Insider group. We sometimes spotlight monetary services that may make it easier to make smarter selections along with your cash. We don’t give funding recommendation or encourage you to undertake a sure funding technique. What you determine to do along with your cash is as much as you. If you are taking motion based mostly on one in all our suggestions, we get a small share of the income from our commerce companions. This doesn’t affect whether or not we function a monetary services or products. We function independently from our promoting gross sales group.



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