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Chase · rewards

United Business Card

4.3 / 5

United MileagePlus miles · Business card

A $150 annual fee gets you 100,000 miles, 2,000 PQP toward status, and a real path to United elite tier through everyday spending. The 8x rate on United flights and free checked bag make it worth keeping if you fly United for business regularly.

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At a glance

Welcome bonus: 90,000 miles; Spend $5,000 in 3 months
Annual fee: $150; Year-one and ongoing
Purchase APR: 19.99% to 28.49%; No intro APR
FX fee: None

Editorial

Our take

Verdict

Pros & cons

Pros

100,000-mile welcome bonus plus 2,000 PQP toward elite status
8x miles on United flight purchases
Free checked bag and 2 United Club passes a year

Cons

United miles have no transfer partners in or out
$150 annual fee with no first-year waiver
PQP alone won't get you to Premier status without actually flying

Earnings

Earn rates

Category	Rate	Notes
United flight purchases	8x miles	6x as a MileagePlus member plus 2x card bonus on eligible United flight purchases
United purchases	2x miles	Other United purchases
Gas stations	2x miles
Dining	2x miles
Office supply stores	2x miles
Local transit & commuting	2x miles	Local transit and rideshare
All other purchases	1x miles

Benefits

Key benefits

2 United Club Passes

Get two single-use United Club lounge passes each account anniversary year.

Free Checked Bag

You and one companion get your first checked bag free on United-operated flights.

PQP Toward Premier Status

Earn up to 4,000 Premier Qualifying Points a year ($1 per $20 spent) plus 2,000 PQP from the welcome bonus to help reach United elite status.

Travel Statement Credits

Get up to $125 in United travel credit, $100 in United Hotels credit, and other partner credits (Instacart, Avis/Budget, JSX) each year.

Instacart+ Membership

Get 3 months of complimentary Instacart+ membership, then 25% off the annual rate.

Fit

Who this is best for

Small business owners who fly United
Travelers chasing United Premier status
Teams that want free employee cards with bonus miles

FAQ

Frequently asked questions

What is the United Business welcome bonus?

Earn 90,000 bonus miles plus 2,000 Premier Qualifying Points after spending $5,000 in the first 3 months, plus 10,000 more miles for adding an employee card in that window.

Does the United Business charge an annual fee?

Yes. The annual fee is $150 every year.

Does the United Business have a foreign transaction fee?

No. The United Business charges no foreign transaction fee, so it works well for international purchases.

What APR does the United Business charge?

The purchase APR is 19.99% to 28.49% variable.

Who is the United Business best for?

Small business owners who fly United. Travelers chasing United Premier status. Teams that want free employee cards with bonus miles.

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