United(SM) Business Card
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The card_name is an airline rewards card designed for business owners who fly United. It has a welcome bonus and you and a companion get a free checked bag on every flight. There’s no introductory APR offer and it has a $99 annual fee. We dive into the details and your approval odds in this United Business review.
Our Rating
4.7/5.0
Welcome Offer
Limited-time Offer: Earn 100,000 bonus miles
Annual Fee
$99
0% Intro on Purchases
N/A
Reward Rate
1x – 2x miles
0% Intro on Balance Transfers
N/A
Welcome Offer
Limited-time Offer: Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
Editorial Review
Features & Benefits
Security | EMV Chip Enabled, Zero Liability |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | Extended Warranty Coverage, Purchase Protection |
Travel Perks | Auto Rental Collision Damage Waiver, Concierge Services, Emergency Travel Assistance, Free Checked Bags, Airport Lounge Access, Luggage Protection, Trip Delay Reimbursement, Roadside Assistance, Trip Cancellation Insurance |
Rewards
Interest Rates & Fees
Annual Fee | $99 |
Foreign Transaction Fee | $0 |
Regular APR | 20.99% - 27.99% (V) APR |
What Credit Score Is Required to Get the United℠ Business Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 742
Average Approved Credit Score: 742
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 04/01/2023 | Experian | ||
Denied | 03/23/2022 | Experian |
Pros & Cons
- Welcome offer
- No foreign transaction fee
- Annual fee
- High APR
- Requires good credit
What Are the Best Alternatives?

Delta SkyMiles® Gold Business American Express Card
Rating
4.6
Rewards Range
1x - 2x miles
Annual Fee
$0 introductory annual fee for the first year, then $150

Southwest® Rapid Rewards® Performance Business Credit Card
Rating
4.5
Rewards Range
1X to 4X points
Annual Fee
$199

Capital One Spark Miles for Business
Rating
4.7
Rewards Range
2x to 5x miles
Annual Fee
$0 intro for first year; $95 after that