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You are here: Home / Credit Cards / United(SM) Business Card

United(SM) Business Card

February 9, 2023 by Gail Kellner

The United(SM) Business Card is an airline rewards card designed for business owners who have a preference to fly United. It has a welcome bonus and you and a companion get a free checked bag on every flight, as well as other travel perks like priority boarding and two one-time passes per year to the United Club(SM) airport lounge. There’s no introductory APR offer, but it does offer a $0 intro annual fee for the first year, then $99. We dive into the details and your approval odds in this United Business review.

United(SM) Business Card
Learn More
Our Rating
4.7/5.0
Welcome Offer
75,000 Miles
Annual Fee
$99
0% on Purchases
None
Rewards Rate
1x - 2x miles
0% on Balance Transfers
None

Rewards

2x miles
Office Supplies
Earn 2 miles per $1 spent at office supply stores.
2x miles
United Purchases
Earn 2 miles per $1 spent on purchases from United® including tickets, Economy Plus®, Inflight food, beverages, Wi-Fi and other United charges.
2x miles
Dining
Earn 2 miles per $1 spent on dining, including eligible delivery services.
2x miles
Gas
Earn 2 miles per $1 spent at gas stations.
2x miles
Transit
Earn 2 miles per $1 spent on local transit and commuting.
1x miles
On all other purchases
Earn 1 mile per $1 spent on all other purchases.

Signup Bonus

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

Pros & Cons

Pros
  • Welcome offer
  • No foreign transaction fee
Cons
  • Annual fee
  • High APR
  • Requires good credit

Features & Benefits

SecurityEMV Chip Enabled, Zero Liability
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsExtended Warranty Coverage, Purchase Protection
Travel PerksAuto 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

Interest Rates & Fees

Annual Fee$0 intro annual fee for the first year, then $99
Foreign Transaction FeeNone
Regular APR20.99% - 27.99% (V) APR

What Credit Score Is Required to Get the United Business

We could only find a few data points on this card. It appears you need excellent credit to be approved. Keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App StatusDateCredit ScoreBureauCredit Limit
Approved03/10/2021
759
Equifax
$9,600
Denied03/23/2022
784
Experian
---

What Are the Best Alternatives?

Delta SkyMiles® Gold Business American Express Card
Delta SkyMiles® Gold Business American Express Card

Rating

4.6

Rewards Range

1x - 2x miles

Annual Fee

$99

Read Review
Southwest® Rapid Rewards® Performance Business Credit Card
Southwest® Rapid Rewards® Performance Business Credit Card

Rating

4.5

Rewards Range

1X to 4X points

Annual Fee

$199

Read Review
Capital One Spark Miles for Business
Capital One Spark Miles for Business

Rating

4.7

Rewards Range

2x

Annual Fee

$95

Read Review

Related Articles

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Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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