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United℠ Business Card review

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An excellent card with perks for the occasional and frequent United flyer.

finder.com’s rating: 4.6 / 5

★★★★★

  • Get this card if you want United Airlines perks like first checked bag free and priority boarding.
  • Pick something else if you want flexibility to redeem your points on a variety of airlines.
  • Apply with a good to an excellent credit score of 670 or higher for the best chances of approval.

Details

Product NameUnited℠ Business Card
Card typeVisa
Annual fee$0 intro annual fee for the first year ($99 thereafter)
Purchase APR16.49% to 23.49% variable
Balance transfer APR16.49% to 23.49% variable
Cash advance rate24.99% variable
Cash advance fee$15 or 5% of the cash advance amount, whichever is greater
Penalty APR29.99% variable
Foreign transaction feeNone
Late payment fee$39
Returned payment fee$39
Rates & feesrates & fees

Card benefits

  • Signup bonus.
    Earn 60,000 bonus miles once you spend $3,000 in your first 3 months of card membership — one of the highest bonuses you can earn with a credit card. With a 1.5 cents-per-mile average redemption value toward United flights, this can be worth $900 or more.
  • United miles.
    Earn 2x miles on United purchases — including United flights, in-flight food and beverages and Wi-Fi. You’ll get 2x miles on local transit and commuting, such as taxi, mass transit, tolls and rideshares, 2x miles at gas stations and office supply stores. The same 2x miles apply on restaurants and some delivery services, including Grubhub, Caviar, Seamless and DoorDash. Everything else you buy earns 1x miles.
  • Anniversary bonus miles.
    Pair this card with a personal United credit card, and you’ll get 5,000 bonus miles each year on your card anniversary. Considering you can get $75 value out of this — or even higher — this perk could easily offset your card’s annual fee.
  • Earn annual travel credit.
    Make seven United-flight related purchases worth $100 or more and get a $100 travel credit each year. United-flight related purchases include seat upgrades, Economy Plus, in-flight food, beverages, Wi-Fi, baggage service charges or other United fees.
  • Employee cards at no additional cost.
    Employee cards act as authorized users on your account and they cost nothing extra. But you are fully liable for any charges they make. To put your mind at ease, you can set spending limits on all of your employee cards.

United perks

As a United cardmember, you get additional United perks. These include:

  • Priority boarding. As a cardmember, you get United Airlines priority boarding. This means you board your plane after MileagePlus Premier members and before general boarding.
  • First checked bag free. The primary cardholder and one companion traveling on the same reservation get first checked bag free. This can save you $140 per roundtrip for two, more than enough to offset the card’s annual fee.
  • Two United Club one-time passes. Every year, you get two United Club one-time passes worth $118. Another perk that makes the card worth more than it costs.
  • 25% back on United inflight purchases. Get 25% back as a statement credit on United inflight purchases of food, beverages and Wi-Fi. You should get the statement credit within 24 hours after purchase.

What to watch out for

  • Annual fee.
    The card comes with a $99 annual fee starting from the second year. For the first year, you get to use $0 intro annual fee.
  • No intro APR period.
    This card doesn’t offer a 0% intro APR period on purchases or balance transfers. But it’s rare to find an airline card with these perks. If this is a perk you need, consider business cards with an intro APR period.

How to apply for the United℠ Business Card

  1. Click Apply now.
  2. Fill out the application form.
  3. Review the form and submit.

What credit score do I need?

Increase your chances of approval with a good to excellent credit score of 670 or higher.

Compare business credit cards

The United℠ Business Card is a great card if you fly United at least a few times a year. But sometimes a general travel card, or another type of card, could be a better choice. Compare other cards in the table below to make sure you get the right one for your business.

Data indicated here is updated regularly
Name Product Rewards Purchase APR Annual fee
Ink Business Preferred® Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
15.99% to 20.99% variable
$95
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards®
Ink Business Cash℠ Credit Card
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
Ink Business Unlimited℠ Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.
United℠ Business Card
2x miles on United, transit and rideshares, and at gas stations, office supply stores and restaurants, and 1x miles on all other purchases
16.49% to 23.49% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 60,000 miles once after spending $3,000 in your first 3 months.
Universal Premium Mastercard®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
27.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
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Bottom line

The United℠ Business Card can be a valuable option for your business if you occasionally or frequently fly United Airlines. Not only do you get to earn a generous signup bonus, but you get to earn accelerated rewards points on a variety of categories. Plus, you get United Airlines perks that can save you money.

But if you prefer other airlines, or if you don’t want to be locked with a single airline, compare other business travel credit cards.

Frequently asked questions

Credit card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.

Expert review

Kevin Joey Chen

Review by


Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

Business owners who occasionally or frequently fly United Airlines have an excellent credit card option — the United℠ Business Card. For a $0 intro annual fee for the first year, and $99 annual fee after that, this card gives you valuable United Airlines perks that make the card worth way more than it costs.

For example, you earn United miles on all of your purchases, get your first checked bag free, two one-time United Club passes each year and a generous welcome offer worth $900 on average. And if you find a good deal for your miles, your signup bonus can even be worth up to $1,400 toward United Airlines flights.

Businesses whose employees often travel can add employee credit cards with no extra cost. Employee cards also earn miles, which can help you rack up miles quickly to redeem toward your next flight.

Without notable downsides, the United℠ Business Card is an excellent card for businesses that fly United at least a few times each year.

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