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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.
Chase United(SM) Business Card
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 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
Annual Fee
$0 introductory annual fee for the first year, then $99.
Points Earned
United Miles
- 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- 1x mile on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
- Receive a 5,000-mile “better together” bonus each anniversary when you have both the UnitedSM Business Card and a personal Chase United® credit card.
- Enjoy a free first checked bag – a savings of up to $160 per roundtrip (terms apply), 2 United ClubSM one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- 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.
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
Chase United(SM) Business Card
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 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
Annual Fee
$0 introductory annual fee for the first year, then $99.
Points Earned
United Miles
- 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- 1x mile on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
- Receive a 5,000-mile “better together” bonus each anniversary when you have both the UnitedSM Business Card and a personal Chase United® credit card.
- Enjoy a free first checked bag – a savings of up to $160 per roundtrip (terms apply), 2 United ClubSM one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- 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.
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.
Chase Sapphire Preferred® Card
Welcome Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
- 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, 2027.
- $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.
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