Chase
United Business Card
Premium business travel card offering up to 110K miles, priority boarding, and $600+ in annual credits including United travel benefits.
Annual fee
$150
Top rate
8x flights
Welcome bonus
$1,210
Quick look
Up to 110K miles
Bonus miles plus premium travel perks and partner credits
4.1
out of 5
Rewards
Fees
Welcome bonus
Perks
Value
Overall score is a weighted average: Rewards 20% · Fees 20% · Welcome bonus 20% · Perks 20% · Value 20%.
Ideal for
Business owners who fly United Airlines multiple times per year and want to accumulate miles and elite status in a single ecosystem.
The verdict
This card is purpose-built for business owners who fly United regularly—and for them, it works. The 8x miles on flights, free checked bag, and annual travel credits stack up to real value even after the $150 fee. But it's narrowly designed. If you fly other carriers, prioritize flexibility, or rarely travel, the steep fee and United-centric earning structure make it a hard sell compared to general-purpose business cards that offer transferable rewards and lower fees.
United frequent flyers will find this the easiest path to elite status through Premier Qualifying Points. For everyone else, it's a loyalty bet, not a multipurpose tool.
Pros
- 8x miles on United flights — 3rd-best flight earning in our catalog, behind only the Quest (10x) and Explorer (9x)
- Free checked bag and 2 United Club passes yearly — up to $300+ in value for frequent flyers
- Annual statement credits ($100 United Hotels, $100 ride-hailing, $120 Instacart) offset much of the fee if used
- Strong 110,000 mile welcome bonus — enough for a domestic award ticket or more with modest own-money spend
- Earning toward Premier Qualifying Points (PQP) lets you progress toward United elite status without flying as much
Cons
- $150 annual fee is steep without consistent United travel — competitors offer transfer-friendly rewards with lower fees
- Earning outside United (2x dining, gas, office supplies) ranks 25th–32nd in most categories — not competitive for general spend
- No transferable rewards — miles are United-only, limiting flexibility if your airline loyalty or travel patterns shift
- Annual travel credits require specific spending patterns (5 qualifying United flight purchases for the $125 credit) — not automatic value
- Less versatile than business cards like the Ink Preferred, which let you earn on any transfer partner
Reward rates
| Category | Rate | Details |
|---|---|---|
| Flights | 8x | 8x total miles on United flights |
| Hotels & car rentals | 2x | 2x miles on all other eligible United purchases |
| Gas & EV charging | 2x | 2x miles at gas stations |
| Dining & restaurants | 2x | 2x miles on dining |
| Online shopping | 2x | 2x miles at office supply stores and local transit |
| Everything else | 1x | 1x mile on all other purchases |
The 8x on United flights is a top earner, landing you in the top 3 of our catalog—only the United Quest (10x) and Explorer (9x) beat it. But the earning is heavily concentrated. Once you leave United purchases, you're at 2x for dining, gas, and office supplies, which ranks middling across our catalog (25th–32nd depending on category). Everything else pays 1x. This card rewards loyalty to one airline, not spending flexibility across business expenses.
Fees and APR
Does it pay for itself?
The $150 fee stings initially, but the accompanying perks and statement credits meaningfully reduce the sting. You're looking at roughly $320 in potential credits annually: $100 United Hotels, $120 Instacart ($10 monthly), and $100 in ride-hailing credit—plus a $125 United travel credit if you make 5 eligible flight purchases. A free checked bag is typically $100-$150 per roundtrip, and 2 United Club passes run $60–$70 each. For a business owner flying United 2–3+ times yearly, the fee pays for itself. For infrequent United travelers, it's a hard sell.
Welcome bonus
Is it worth chasing?
110,000 bonus miles plus 2,000 Premier Qualifying Points (PQP) is substantial in the business card space. The miles alone are worth roughly one domestic award flight (40,000–60,000 miles) or international redemptions. The 2,000 PQP is particularly valuable—it counts toward United elite status without flying, so you can reach MileagePlus Premier Gold ($2,500 value) or higher tiers more easily. You'll need to spend $5,000 in 3 months to earn it, plus add an authorized user for the PQP bump, but that's a realistic threshold for a business card.
Similar cards
Same issuer with half the annual fee ($150 vs $75) but lower earning on United flights (9x vs 8x). Simpler for occasional United travelers who want lower friction.
Transfers to 10+ partner airlines instead of locking you into United, and earns a higher welcome bonus (100K points), but at a lower $95 fee if transferable points are your priority.
Frequently asked questions
Does this card offer an introductory 0% APR period?
No. The regular APR is 19.74% to 28.24%. This card is designed for earning rewards, not balance transfers or carrying a balance. Pay it off every month.
What credit score do I need to qualify?
You'll typically need good credit (670 or higher), though Chase often approves business applicants with excellent credit (740+) more readily. United business cards typically lean toward established business profiles.
Can I earn miles outside of United purchases?
Yes, but at a much lower rate. You earn 2x miles on dining, gas, office supply stores, and local transit, and 1x on everything else. Most earnings come from United flights (8x) and purchases within the United ecosystem.
Are the annual statement credits automatic, or do I have to claim them?
Most credits post automatically to your account when you spend in that category (Instacart, ride-hailing), but the $125 United travel credit requires you to make 5 eligible flight purchases of $100+ within a calendar year. The $100 United Hotels credit also posts automatically on eligible stays.
What happens to my earned miles if I close the card?
Your United miles stay in your MileagePlus account—they don't disappear. However, closing the card stops earning future miles and access to perks like the free checked bag and Club passes.
How does this card compare to the United Club Business Card?
The Club card ($695 annual fee) offers complimentary United Club access (vs 2 passes yearly on this card) and the same 8x flight earning, but costs 4.6x more. It's for ultra-frequent United travelers. This Business Card is the entry point for anyone flying United 2–3+ times per year.
Reviewed by YoungerFinance Editorial · Last updated August 11, 2026