Chase United Business Card Review

Cardholders Get Rewarded Twice

Like all co-branded airline credit cards, The New United℠ Business Card will earn miles on every purchase. This card stands out against the competition, though, by extending its bonus categories beyond just United Airlines purchases. You’ll also earn Premier qualifying points from the same purchases: 1 PQP for every $20 spent, up to 4,000 PQP per calendar year.

United Perks Are Generous

This card comes with two types of United perks. First, there’s a lengthy list of automatic benefits including a free checked bag for you and a companion, two United Club passes per year, priority boarding and a statement credit worth 25% of food and beverage purchases made in-flight with your card.

The second type of perk can be earned simply with regular card use. Cardholders can get $125 in TravelBank cash after purchasing five United flights of $100 or more in a calendar year. They can also earn two Premium Economy seat upgrades, valid on United flights within the continental U.S., after spending $25,000.

Other United Business Card Benefits

• Expanded award availability. Cardholders get access to additional saver award availability.
• Multiple travel protections. Receive primary auto rental coverage, baggage delay insurance, lost luggage reimbursement, trip cancellation and trip interruption insurance and trip delay reimbursement on eligible trips.
• Up to $100 in United Hotels credits. Receive $50 back as a statement credit on each of your first and second prepaid hotel stays purchased through United Hotels each anniversary year.
• Up to $100 in credits for rideshare purchases. You can earn up to $8 back each month ($12 in December) after yearly opt-in.
• Up to $50 in United TravelBank cash with Avis or Budget car rentals. Reservations must be booked through cars.united.com to be eligible. Please note this is earned as TravelBank cash rather than a statement credit.
• Up to $25 in United FareLock credits. Receive statement credits each anniversary year on qualifying FareLock purchases.
• Up to $100 in credits toward JSX purchases. When you’re not flying United, earn credits with semiprivate jet service JSX each anniversary year.
• Up to $120 in Instacart credits. In addition to a complimentary three month Instacart+ membership (valid through 2027), you can earn a $10 Instacart credit monthly. Terms apply.
• Purchase protection. Covers new purchases against damage or theft for up to 120 days and up to $10,000 per claim.
• Extended warranty protection. Extends the period of a U.S. manufacturer’s warranty by an additional year on warranties of three years or less.

United Benefits Only Apply to the Primary Cardholder

Although you can add and manage employee cards in the same account, only the primary cardholder will receive perks like free checked bags and statement credits. The employee cards will all earn miles toward the primary cardholder’s MileagePlus account.

Some Credits Aren’t Easy To Earn

While the list of potential statement credits is generous, many are offered in small, monthly increments and others require booking through specific methods in order to earn. Chances are, you won’t be able to use them all unless you put in dedicated effort to doing so.

Ideal for:

• Businesses looking to earn additional miles and PQP
• Businesses that will use the included United benefits while flying

Not ideal for:

• Businesses looking to earn the maximum amount of rewards on every purchase
• Customers who want miles redeemable on multiple airlines

Earning Rewards

The New United℠ Business Card earns United Airlines’ MileagePlus miles with every purchase at the following rates:

• up to 7 total points per dollar spent on United flights, 5 points for MileagePlus members plus 2 points on United purchases
• 2 points per dollar on other United purchases
• 2 points per dollar on dining (including eligible delivery services)
• 2 points per dollar at gas stations
• 2 points per dollar at office supply stores
• 2 points per dollar on local transit and commuting
• 1 mile per dollar on all other purchases

Redeeming Rewards

The New United℠ Business Card earns United MileagePlus miles and typically, the best use of United miles is for award flights on United and its airline partners.

Prices vary by route, date of travel and class of service. The cost in miles is often tied to demand and cash prices. Therefore, you might find one-way economy flights within the U.S. for under 10,000 miles. International flights in premium classes could cost 100,000 miles or more, though you may find deals if you’re flexible.

Members have other redemption options, including upgrading tickets bought with cash, booking cruises or buying merchandise. However, the redemption rates are quite poor.

Rewards Potential

The number of miles that your small business could earn through The New United℠ Business Card depends on how much is charged to the card—especially in the card’s numerous bonus categories.

To demonstrate how rewarding The New United℠ Business Card may be, let’s run some example numbers. Using spending data from various government agencies, we’ve estimated a sample small business with an income of $127,200 has $40,398 in expenditures for the year that can be charged to a credit card.

The New United℠ Business Card Rewards Potential

Category	Earning Rate	Estimated Annual Spend	Estimated Annual Earnings
Airfare	2X	$805	1,610
Dining	2X	$4,995	9,990
Gas and Transit	2X	$3,110	6,220
Office Supplies	2X	$2,403	4,806
All Other Purchases	1X	$29,085	29,085
			Total: 51,711 United MileagePlus Miles

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A small business with these spending patterns would earn 51,711 United miles and 2,585 PQP from credit card spending each year. That’s before factoring in the bonus earned in the first year.

Interest Rates

• Regular APR: 20.49% - 28.99% Variable
• Purchase intro APR: N/A
• Balance transfer intro APR: N/A

Fees

• Annual fee: $150
• Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
• Foreign purchase transaction fee: $0

Some people may find The New United℠ Business Card an obvious choice, but if not, these alternate cards might be a better fit.

Account Features	The New United℠ Business Card	United Club℠ Business card*	Capital One Spark Miles for Business	Ink Business Preferred® Credit Card
Annual Fee	$150	$695	$0 intro for first year; $95 after that (rates & fees)	$95
Welcome Bonus	125,000 bonus miles after spending $5,000 on purchases in the first 3 months of account opening	125,000 bonus miles after spending $5,000 on purchases in the first 3 months of account opening	50,000 bonus miles after spending $4,500 on purchases within the first three months of account opening	90,000 bonus points after spending $8,000 on purchases in the first 3 months from account opening
Standout Rewards	2X on United purchases, dining, gas stations, transit and commuting and office supplies	2X on United purchases; 1.5X everywhere else	2X on all purchases; 5X on hotels and rental cars booked through Capital One Travel	3X on shipping, advertising, internet, travel, cable and phone
Status Boosts	1 PQP per $20 spent, up to 4,000 PQP	1 PQP per $15 spent, up to 28,000 PQP	N/A	N/A
Lounge Access	Two one-time United Club passes included	United Club membership included	N/A	N/A

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The New United℠ Business Card vs. United Club℠ Business card*

It’s a big upgrade moving from the United Business card to the United Club℠ Business card*, but for frequent flyers, it’s worth taking. For one thing, the card’s base earning rate jumps up. You’ll earn 5 miles per dollar spent on prepaid hotel stays booked directly through Renowned Hotels and Resorts, 2 miles per dollar spent on United purchases and 1.5 miles per dollar spent on all other purchases. You’ll also earn PQP more quickly (1 PQP for $15 spent) and can earn statement credits for partner purchases at higher levels.

By far, though, the headlining difference between these cards is the United Club Business card’s included membership to United Clubs, letting you access these airport lounges (with a guest) when flying United. For someone who travels often, that can be a welcome benefit. However, the annual fee on the Club Business card jumps quite a bit, to $695 per year.

The New United℠ Business Card vs. Capital One Spark Miles for Business

If you’re looking for a business card with a simple earning structure, the Capital One Spark Miles for Business card could be the one you want. This card earns 2 miles per dollar on every purchase and 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.

Capital One miles can be transferred to more than 15 travel transfer partners. Though United isn’t a transfer partner, Capital One allows transfers to multiple Star Alliance airlines. You can transfer your miles to Air Canada Aeroplan, Avianca LifeMiles, EVA Infinity MileageLands, Singapore KrisFlyer, TAP Miles&Go and Turkish Airlines Miles&Smiles and then use these miles to book United (or other) award flights.

The New United℠ Business Card vs. Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card is effectively another way to earn United miles through card spending, but with a different earning structure and more flexible redemptions, both of which could be an advantage for your business. You’ll earn 3 points per dollar on the first $150,000 spent on travel and select business categories each account anniversary year and 1 point per dollar on all other purchases. That’s better than the 2 United miles per dollar you can earn on a smaller set of bonus categories using the United Business Card.

All rewards are earned as Chase Ultimate Rewards®. These points are transferable to United Airlines and other loyalty programs at a 1:1 ratio. Alternatively, you can redeem points for cash back at 1 cent each or redeem points at a rate of 1.25 cents each toward travel booked directly through Chase Travel℠. That means you have the flexibility to transfer rewards to United when awards are cheap or book through the portal when cash fares are a better deal.

Cardholders get elite-like benefits such as priority boarding, a free checked bag and even two one-time United Club passes each year with The New United℠ Business Card. Flying United even a couple of times a year could easily make up for the annual fee⁠. With that said, small business owners who don’t fly United—or those who already fly United enough to get elite status⁠—may want to select a more general travel rewards card.

Forbes Advisor considers a variety of criteria when assigning credit cards a rating. Cards are graded based on numerous factors, including:

• Annual fees
• Welcome bonus offers
• Ongoing earning rates
• Value of individual rewards
• Included travel or merchant credits
• Additional cardholder benefits

We give greater weight to the card features we believe cardholders will use most frequently. These factors combine to generate a star rating for each card.

To learn more about our rating and review methodology and editorial process, check out our guide on how Forbes Advisor rates credit cards.