United(SM) Business Card

The United℠ Business Card 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

Earn 100,000 bonus miles

Annual Fee

$99

0% on Purchases

N/A

Reward Rate

1x – 2x miles

0% on Balance Transfers

N/A

Welcome Offer

Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

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

Rewards

1x miles
On all other eligible purchases
Earn 1 mile per $1 spent on all other purchases.
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.

Interest Rates & Fees

Annual Fee$99
Foreign Transaction Fee$0
Regular APR21.99% - 28.99% (V) APR

Pros & Cons

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

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

$0 introductory annual fee for the first year, then $150

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

Capital One Spark Miles for Business
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

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