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Chase United℠ Business Card
Let’s take a look at the United Business Card, its benefits, and whether or not it would work for you.
What are some creative ways to hit the minimum spend?
Don’t forget that you can make many bill payments with using services like Plastiq which will accept your credit card and, for a fee, pay your bill on your behalf.
Here’s a list of possible bills you can make use of Plastiq on – sign up with our link
- Auto Leases
- Auto Purchase
- Business Services
- Club Fees
- Mortgage
- Contractors
- Employees
- Freelancers
- Insurance
- Legal Services
- Rent/ Lease
- Tuition
- Taxes
- Utilities
Is this the best offer we’ve seen?
There has been as high as a 150k offer but required $20k in spend.
Who should consider the United Business Card?
Frequent United Fliers
If you travel much on United, you’ll easily recoup this via the 7 United flight purchases of $100 or more. This isn’t a straight up cash reimbursement, but rather, a travel credit.
Additionally, you’ll enjoy United Club passes to rest and relax prior to flight and 25% discounts in flight ( including WiFi – which is quite valuable and will add up quickly ).
Occasional United Fliers
Getting a first free bag, which is a $30 value, is great for the occasional United flier. If you do just 2 roundtrips a year on United, you’ll be ahead $20 since they charge this fee each way. Additionally, you can make use of the Untied Club passes on your occasional travel, and enjoy United Club lounges like I did at LAX by using pass.
But I don’t have a small business, Miles. You may, and not know it… Keep reading.
Chase is very friendly to entrepreneurs and small business owners. In fact, if you haven’t been in business for long, or you haven’t established yourself with an EIN, you can still apply as a Sole Proprietor ( fill in your SSN ). If you run a small side business (think bloggers, ebay sellers, tutors, consultants, etc) and want a card to segregate your business income from your personal income at tax time…this is a great opportunity to earn a load of points and help yourself out.
What’s the best way to use United Miles?
This is a great question, and one that continues to evolve. United has abandoned a traditional award chart and now prices flights variably on their own metal, but seems to be sticking to static pricing on their own metal.
United Polaris
You can fly on United Polaris starting at 80k one way from the US to Europe…it’s a great product. I’ve flown it on both the 772 and 772 to Tel Aviv, and Chicago respectively.
Lufthansa First Class
You could spend your entire bonus on Lufthansa First Class which United is currently pricing at 121k miles. The advantage of using United over other programs is the significantly reduced carrier charges. United does not pass these on through to you, so you’ll pay more miles, but the difference in fees could be several hundred when compared to Aeroplan, Singapore, and even Lufthansa’s own program Miles and More.
Shoring up your United account with other Chase products
The final thing to consider is the ability to shore up your United account with Chase’s own Ultimate Reward earning cards like the Chase Sapphire Preferred or Ink Business Preferred. These cards earn points that transfer 1:1 into United which means if you’re short on miles, you can easily transfer them over. A great way to extract United benefits from the United Business Card, but earn higher category bonuses with Chase.
Overall
United has made great changes to the card that not only enhance the welcome bonus, but offer compelling reasons to keep the card in your wallet. Club passes, $100 credits, 5k bonuses when in tandem with a personal United card, and a low annual fee make this a very attractive card and one we plan to add to our best card offers page.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.