4.5
Bottom line
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.
Rewards rate
Annual fee
Intro offer
Regular APR
Recommended Credit Score
Small-business owners who tend to fly with United Airlines can find a lot of value in the United Business Card. Its welcome offer kickstarts your experience with plenty of momentum and the card’s travel perks make it one of the better airline business credit cards available.
That said, this card’s ongoing rewards rates aren’t especially impressive. It doesn’t earn much on everyday spending, so it’s not an ideal choice if you only travel occasionally or aren’t looking for United-specific perks. A general travel card may be a more practical and lucrative choice if it boasts higher rewards rates on everyday spending and more flexible point redemption options, especially if it lets you transfer points to other airlines.
This card’s generous welcome offer compares well to cards with even higher annual fees
Cardholders earn United miles for everyday business purchases
Great travel benefits
This card’s annual fee will be difficult to offset via the card’s ongoing rewards rate
No intro APR on purchases or balance transfers