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

Snapshot

4.4

Bankrate rating
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Rating: 4.4 stars out of 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.

Best for United Airline benefits

United℠ Business Card

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  • 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)
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Recommended Credit

Intro offer

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$900

Offer valuation

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1X - 2X

Rewards Rate

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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

  • Checkmark

    This card’s generous welcome offer compares well to cards with even higher annual fees

  • Checkmark

    Cardholders earn United miles for everyday business purchases

  • Checkmark

    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