United℠ Business Card review
Why you can trust Bankrate
At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to:
- Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.
- Consistently provide up-to-date, reliable market information so you\'re well-equipped to make confident decisions.
- Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you.
At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How We Make Money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
United Business Card Overview
Small business owners who are loyal to United Airlines can rejoice with the United Business card. Its valuable welcome offer kickstarts your experience with plenty of momentum and its numerous benefits and travel perks make it a contender among the numerous business credit cards available.
What are the pros and cons?
- Carries an annual fee
- No intro APR on purchases or balance transfers
A deeper look into the current card offer
- Rewards Rate: 2x miles on United Airlines purchases and 1x miles on all other purchases
- Welcome Offer: Up to 150,000 bonus miles. 75,000 bonus miles after you spend $5,000 in the first 3 months, plus an additional 75,000 miles after you spend $20,000 total in the first 6 months
- Annual Fee: $99
- Purchase Intro APR: N/A
- Balance Transfer Intro APR: N/A
- Regular APR: 18.74 percent to 25.74 percent variable
Current welcome offer
If you’ve been waiting to pull the trigger on the United Business card, the current welcome offer is the one of the best you’ll find, making now a great time to apply. You can earn a two-tiered bonus worth up to 150,000 bonus miles. You’ll earn the first 75,000 bonus miles after you spend $5,000 in the first three months, plus an additional 75,000 miles after you spend $20,000 total in the first six months.
That’s double the card’s previous offer of 75,000 miles after spending $5,000 in your first three months. Plus, even if you can’t reach the $20,000 in spending required in your first six months to earn the full bonus, you can still earn 75,000 miles with a $5,000 spend in three months (matching the previous bonus).
If you’re able to reach the $20,000 spending requirement and secured the bonus, it could worth up to about $1,815 based on The Points Guy’s latest 1.21-cent mileage value.
In addition to the welcome offer, this particular United credit card provides plenty of opportunities to earn miles toward future travel or other rewards. Don’t forget, you can earn rewards on your employees’ cards, too.
You’ll earn 2x rewards miles for each dollar spent on United tickets and select United purchases (such as in-flight food and entertainment). You’ll also earn 2x rewards miles for restaurant purchases—including delivery services like Grubhub and DoorDash. Purchases for office supplies, gas stations and local commuting will earn the 2x miles per dollar as well. All other purchases will earn 1x mile per dollar. If you happen to also have a personal United credit card, you’ll receive 5,000 miles every year on your card anniversary.
You can redeem your rewards through the United MileagePlus portal toward flights with United Airlines and with a number of United Airlines partners, including airlines that are part of the Star Alliance network. If you don’t want to redeem miles for airline travel, you can put them to use toward cruises, gift cards, travel experiences or other exciting gifts. As a cardmember, you’ll have access to more rewards seats, similar to the ones Elite status members enjoy, so you can score even more deals through the rewards portal.
Key cardholder perks
Where the United Business card outshines many of its competitors is the number of benefits and travel perks offered.
When you fly United, you and a companion receive your first checked bags free (if you bought the ticket with your United Business card). Typically, your first checked bag has a $35 fee, so just one round-trip flight with you and a companion can make a dent in the card’s annual fee. Annually, you’ll receive two passes to the United Club and lounge so you can relax and have a few snacks while you’re waiting for your next flight.
If you make seven or more United Airlines purchases of at least $100 per year with your business card, you’ll also receive a $100 statement credit. And you’ll always be eligible for seat upgrades as a card member.
You have plenty of extra coverage if you hit a snag while you’re traveling. For starters, you have up to $6,000 in reimbursements for trip cancellations. If your baggage is delayed for six or more hours by the airlines, you’ll receive up to $100 per day (up to three days) for reimbursement and up to $3,000 if your baggage is lost. Other benefits include travel accident insurance, roadside assistance, trip delay insurance and auto rental collision damage waiver.
Luxury hotel perks
There are over 1,000 properties included in the Luxury Hotel and Resort Collection (LHRC), and you’ll receive several extras if you book with your United business card. Fun perks include daily breakfast for two, free Wi-Fi and complimentary room upgrades (if available).
Rates and fees
The card is subject to a $99 annual fee. Luckily, though, if you use your card while traveling overseas, you won’t have to pay a foreign transaction fee on any purchases.
The United Business card also has a decent APR and balance transfer fee. Currently, the card’s ongoing APR is set at 18.74 percent to 25.74 percent (variable), based on your creditworthiness. Balance transfers require a $5 or 5 percent fee, whichever is greater.
How the United Business Card compares to other business cards
You certainly have numerous choices when it comes to business credit cards. How does the United Business card stack up?
The American Express® Business Gold Card is a popular business card offering 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first three months of Card Membership (Terms Apply). Then you’ll earn 4x points on up to $150,000 per calendar year in combined purchases in two categories where your business spends the most each billing cycle (including airfare purchased directly from airlines, advertising purchased in the U.S. to promote your business online, on TV or on the radio, U.S. gas stations, U.S. restaurants, U.S. shipping and U.S. computer hardware, software and cloud computing purchases made directly from select providers). You’ll be subject to a $295 annual fee, but you won’t have to worry about foreign transaction fees.
Another business card that doesn’t have foreign transaction fees is the Ink Business Preferred® Credit Card. Although there is a $95 annual fee, it’s hard to beat the initial 100,000 reward points in Chase Ultimate Rewards you earn if you spend $15,000 in the first three months. You’ll also earn 3x points for the first $150,000 you spend annually on qualifying purchases.
Best cards to pair with the United Business Card
The best card to pair this United credit card with is a card that includes a low or 0 percent intro APR on purchases. This is especially true if you are a startup or new business owner and need to invest in capital for your business and need payment flexibility along with low or no interest.
Bankrate’s Take: Is the United Business Card worth it?
If you’re loyal to United Airlines and need a business credit card, then the United Business card may be worth adding to your portfolio. Between the welcome bonus, the MileagePlus rewards and travel perks, it could make your business (or personal) travel easier and, dare we say, more exciting.
For rates and fees of the American Express Business Gold card, please click here.