Credit Cards

Chase United℠ Business Card Review

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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.

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Chase United(SM) Business Card

4.0
4/5

Chase United(SM) Business Card comes with United perks including first free checked bag for you and a companion, 2 United Club passes per year, and a $100 United credit if you fly United more than 7x in a year

Welcome Offer

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

Annual Fee

$99

Points Earned

United Miles

 
  • Annual Fee $99.
  • 2x United Miles on:
    • Gas
    • Office Supplies
    • Restaurants
    • And Local Transit ( to include taxis, mass transit, tolls, and ridesare)
  •  5,000 United miles on your Cardmember anniversary when you hold both the United Business Card and any personal Chase United Card
  •  $100 annual United(R) travel credit after seven United flight purchases of $100 or more each anniversary year
  • 25% back on United inflight purchases (includes Wi-Fi, food and beverages)
  • No blackout dates
  • 1st checked bag is free
  • Priority boarding as a cardholder
  • 2 United ClubSM one-time passes
    • This is on account opening
    • Every year on your account anniversary
  • No foreign transaction fees
  • Add employee cards fee-free
  • Member FDIC

We’ve seen 150k after $20k spend in 6 months

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

This card is kind of the business version of the United Explorer card.

It comes with a $100 United travel credit if you buy more than 7 flights in a year.

It also comes with 2 United Club passes, first checked bag for you and a companion, and if you carry it alongside a United personal card, you’ll get 5000 bonus miles.

For $99 a year, I’d say this is a better card than the Explorer and doesn’t count against your Chase 5/24 number.

The United Business Card Benefits:

  • Annual fee $99
  • 2x United Miles on:
    • Gas
    • Office Supplies
    • Restaurants
    • And Local Transit ( to include taxis, mass transit, tolls, and ridesare)
  •  5,000 United miles on your Cardmember anniversary when you hold both the United Business Card and any personal Chase United Card
  •  $100 annual United travel credit after seven United flight purchases of $100 or more
  • 25% back on United inflight purchases (includes Wi-Fi, food and beverages)
  • No blackout dates
  • 1st checked bag is free
  • Priority boarding as a cardholder
  • 2 United ClubSM one-time passes
    • This is on account opening
    • Every year on your account anniversary
  • No foreign transaction fees
  • Add employee cards fee-free

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
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Chase United(SM) Business Card

4.0
4/5

Chase United(SM) Business Card comes with United perks including first free checked bag for you and a companion, 2 United Club passes per year, and a $100 United credit if you fly United more than 7x in a year

Welcome Offer

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

Annual Fee

$99

Points Earned

United Miles

 
  • Annual Fee $99.
  • 2x United Miles on:
    • Gas
    • Office Supplies
    • Restaurants
    • And Local Transit ( to include taxis, mass transit, tolls, and ridesare)
  •  5,000 United miles on your Cardmember anniversary when you hold both the United Business Card and any personal Chase United Card
  •  $100 annual United(R) travel credit after seven United flight purchases of $100 or more each anniversary year
  • 25% back on United inflight purchases (includes Wi-Fi, food and beverages)
  • No blackout dates
  • 1st checked bag is free
  • Priority boarding as a cardholder
  • 2 United ClubSM one-time passes
    • This is on account opening
    • Every year on your account anniversary
  • No foreign transaction fees
  • Add employee cards fee-free
  • Member FDIC

We’ve seen 150k after $20k spend in 6 months

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

This card is kind of the business version of the United Explorer card.

It comes with a $100 United travel credit if you buy more than 7 flights in a year.

It also comes with 2 United Club passes, first checked bag for you and a companion, and if you carry it alongside a United personal card, you’ll get 5000 bonus miles.

For $99 a year, I’d say this is a better card than the Explorer and doesn’t count against your Chase 5/24 number.

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.

a group of people sitting at tables in a large room

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.

a stuffed animal on a seat

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.

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Chase Sapphire Preferred® Card


4.8
4.8/5
The Chase Sapphire Preferred® is a great starter card that earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based including Hyatt, Southwest, United, IHG, and Marriott.

Welcome Offer

60k Points after $4k spend in 3 months

Annual Fee

$95

Points Earned

Transferrable Chase Ultimate Rewards

  • 60k points after $4k spend in 3 months
    • Worth $750 in Chase Travel℠ and way more if you maximize transfer partners
  • 5x on all travel purchased through Chase Travel℠
  • 3x on dining, including eligible delivery services for takeout & dining out
  • 3x on select streaming services
  • 3x on online grocery purchases
    • (excluding Target, Walmart and wholesale clubs)
  • $50 Annual Chase Travel Hotel Credit via Chase Travel℠
    • The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
  • 2x on all other travel
  • 10% Anniversary Bonus
    • Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
  • Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
  • Points are transferrable to 14 Ultimate Rewards partners
  • Redeem in Chase Travel℠ for 1.25 cents per point
  • No foreign transaction fees
  • Suite of Travel and Purchase Coverage
    • Auto Rental Collision Damage Waiver is my favorite
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024
  • $95 Annual Fee

We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.

Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.

If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex℠and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners

Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.

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.

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