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United Business Card

welcome offer

Earn 75,000 points after $5,000 spent within the first 3 months.

Bonus Cash Value

Approximately $975*

Annual Fee

$99 (waived 1st year)

Card Rewards

2 points at United Airlines, restaurants, gas, office supplies

1 point everywhere else

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The United Business Card is great for those traveling United as you earn 2 miles for purchases with United Airlines. More United benefits offered include a first free checked bag for both you and a companion, priority boarding, and 2 annual free United Club passes which allow you to enjoy the United lounge. Card members also receive better availability when booking reward flights on United Airlines. Stay protected with a great package of travel benefits and various insurance.

Card-Smart Tips & Advice
  • Good credit needed
  • Step by step guide how on to apply without an LLC or C-Corp
  • Chase will decline an applicant that has opened 5 or more cards (other issuers included) in the past 24 months. Hence, 5/24 rule
  • You can get approved for up to 2 Chase credit cards in 30 days. Business cards and personal cards are counted separately
  • Chase Bank will not report business credit cards on personal credit reports
  • Chase Bank will usually pull your Experian credit report
  • You can check your application status at  / Customer Center / Check my app status or call 1 888 338 2586
  • If declined you can call 1 888 609 7805 to be reconsidered
Check out recent approvals
Welcome Offer Eligibility
This welcome bonus offer is not available to either current Cardmembers of the United business credit card, or previous Cardmembers of the United business credit card who received a new Cardmember bonus for the United business credit card within the last 24 months.
Card Details And Benefits
Upgraded Status

Premier upgrades on United flights (only for Mileage Plus Premier members)

Free Baggage

First checked bag free for you and one companion on United flights. Plus receive a free carry-on bag even with a basic economy ticket. The ticket must be purchased with your United credit card and your MileagePlus number must be added to the reservation.


Earn $100 annual United travel credit after 7 United purchases of $100 or more.

Extra Redemption Value

Expanded award availability on United Flights when booking award flights

Foreign Transaction Fee


Lounge Access

Receive complimentary 2 annual free United Club lounge passes

Trip Cancellation Insurance

Coverage for canceled or interrupted travel due to an unforeseen medical emergency etc. Max $1,500 per passenger and $6,000 per trip for non-refundable flight tickets.

Auto Rental Collision Insurance

Worldwide primary coverage on rentals for business purposes. Coverage is for rentals up to 31 days.

Travel Accident Insurance

Get coverage if you, G-d forbid, die in an accident while traveling or lose a limb, sight, speech, or hearing (on common carriers). Receive up to $500,000 in compensation.

Lost Luggage Reimbursement

Get up to $3,000 per person for lost or damaged luggage.

Trip Delay Reimbursement

If your flight is delayed for 12+ hours, you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items.

Return Protection

Not happy with a purchase? Get a refund on purchases that have passed the store return policy - up to 90 days from date of purchase. Max $500 per claim, max $1,000 per year.

Extended Warranty Protection

Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim $50,000 per account.

Purchase Protection

Get refunded if your purchase is damaged or stolen, up to 120 days from the date of purchase. Max $10,000 per claim, $50,000 per year.

Luggage Delay Insurence

If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.

Priority Boarding

Get complimentary priority boarding on United flights.

Inflight Savings

Receive 25% back (statement credit) on United in-flight purchases of wifi, food, and drinks

Anniversary Bonus Points

Get 5,000 bonus points each cardmember anniversary, if you have both the United Business card and a United personal credit card.

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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