United℠ Business Card review: United perks for small-business owners

Snapshot

4.4

Bankrate rating

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.

Best for United Airline benefits

Rewards value

Rating: 5 stars out of 5

5 / 5

APR

Rating: 3 stars out of 5

3 / 5

Rewards flexibility

Rating: 4 stars out of 5

4 / 5

Features

Rating: 3 stars out of 5

3 / 5

Good to Excellent (670 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Recommended Credit

Intro offer

Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.

$450

Offer valuation

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

1X - 2X

Rewards Rate

Earn 2 miles per $1 spent on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.

Annual fee

Regular APR

United Business Card Overview

Small-business owners who tend to fly with United can find a lot of value in this 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, especially in its first year.

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.

What are the pros and cons?

Pros

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

Cons

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

Compare the best business credit cards