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United℠ Business Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
20.99% ‐ 27.99% (Variable)
Interest Rate: Purchases
20.99% ‐ 27.99% (Variable)
Balance Transfer
20.99% ‐ 27.99% (Variable)
Balance Transfer
20.99% ‐ 27.99% (Variable)
1 - 2 Miles
1 - 2 Miles
Signup Bonus
75000 miles (after spending $5,000)
Signup Bonus
75000 miles (after spending $5,000)

Informr score
The United℠ Business Card currently has an Informr score of 8.4 out of 10. This score is based on our evaluation of 25 sources including reviews from users and the web's most trusted critics.

Am I eligible?

United℠ Business Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The United℠ Business Card features an impressive 75,000-mile bonus, which is among the best travel bonuses currently on offer. If you’re serious about getting awarded for travel and find United convenient or simply prefer it, you can maximize your United miles earned every year. Plus, business owner...

- Kevin Payne, SlickDeals

This business card can offer solid value for United fans, but it may not be the most rewarding option for occasional travelers looking to maximize their earnings on everyday business purchases.

- Bankrate

The United℠ Business Card can benefit frequent business fliers who choose United Airlines. Individuals who make purchases abroad may also prefer this card for its lack of international transaction fees. If you want a miles-earning card with some travel and luxury benefits, then this credit card may...

- Brett Holzhauer, MoneyGeek
One Mile at a Time
One Mile at a Time

I love seeing card issuers get more creative with benefits, especially for loyal customers, and the United Business 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 offe...

- Ben Schlappig, One Mile at a Time

Even occasional United flyers should rack up miles quickly thanks to the United Business Card’s competitive rewards rate on travel and everyday purchases. Plus, you have a chance at even more miles when you pair it with a personal Chase United card.

- Nouri Zarrugh,


Interest Rates
Regular APR Interest Rate 20.99% ‐ 27.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 20.99% ‐ 27.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 29.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $99.00

Waived on the first year

Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $15

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus 75000 miles after spending $5,000

On purchases within the first 3 months.

All Purchases 1 mile for $1 spent
Restaurants 2 miles for $1 spent
Gas 2 miles for $1 spent
Groceries No
Hotels No
Travel 2 miles for $1 spent

On purchases from United® including tickets, Economy Plus®, Inflight food, beverages, Wi-Fi and other United charges

Pharmacy No
Bills No
Additional Details
  • 2 miles for $1 spent on office supply stores.
  • 2 miles for $1 spent on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services
  • 5,000 anniversary bonus miles when you have both the United Business Card and a personal Chase United card
  • 25% back on United inflight purchases
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Additional Benefits

  • Priority boarding - board United-operated flights prior to general boarding
  • Free first checked bag
  • $100 annual United travel credit
  • 2 United Club one-time passes each anniversary
  • No blackout dates
  • The Luxury Hotel & Resort Collection
  • Exclusive events with Inside Access
  • United MileagePlus events
  • Baggage Delay Insurance
  • Lost Luggage Reimbursement
  • Trip Cancellation/Trip Interruption Insurance
  • Trip Delay Reimbursement
  • Free year of DoorDash DashPass
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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