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United℠ Business Card

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welcome offer

Earn a total of 150,000 points! Earn 75,000 points after spending $5,000 within the first 3 months. Plus, earn an additional 75,000 points after spending a total of $20,000 within the first 6 months

Bonus Value

Approximately $1950

Annual Fee

$99

Card Rewards

2 points at United Airlines, on dining, gas, office supplies stores and local transit

1 point everywhere else

Add to compare

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, 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
  • Credit: Good credit needed
  • Step by step guide how on to apply without an LLC or C-Corp
  • Chase 5/24 rule: Chase will decline an applicant that has opened 5 or more cards (other issuers included) in the past 24 months. Hence, 5/24 rule
  • Max cards: You can get approved for up to 2 Chase credit cards in 30 days. Business cards and personal cards are counted separately
  • Apply for two cards: If you apply for one Chase card and get approved, it is recommended to apply for a second card since Chase is very good about approving for two cards, even within the same day. If the first application is still pending, wait for it to be approved before you apply for a second card.
  • Not reported on personal credit reports: Chase Bank will not report business credit cards on personal credit reports
  • Credit bureau: Chase Bank will usually pull your Experian credit report
  • Combining same-day credit inquiries: Some data points suggest that credit inquiries for all Personal Chase cards for same-day applications will be combined; also, credit inquiries for all Business Chase cards for same-day applications will be combined. Credit inquiries for Personal and Business card applications will not be combined. More recent data points suggest that Chase credit inquiries will not be combined even for two Personal or two Business cards for same-day applications
  • Check application status: You can check your application status at  Chase.com  / Customer Center / Check my app status or call 1 800 453 9719
  • Reconsideration: If declined you can call 1 888 609 7805 to be reconsidered
  • Quickest way to get my card: You will be able to add your new card to your mobile wallet immediately after you get approved (it can sometimes take up to an hour for it to show up in your online login).

Approval Monitor (submitted by HelpMeBuildCredit users)

96% Approved
766 Avg. Score of those approved
4% Denied
Approved 96% (22)
Denied 4% (1)

Credit limit range $5,000-$40,000

Avg. Credit limit$12,768

Approved 96% (22)
Denied 4% (1)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

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
Rewards

– 2 points at United Airlines, on dining, gas, office supplies stores and local transit
– 1 point everywhere else

Foreign Transaction Fee

No foreign transaction fee.

Upgraded Status

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

Get boosted to a higher status faster! Earn up to 1,000 bonus Premier Qualifying Points. Earn 500 PQPs for every $12,000 you spend with your card (up to 1,000 PQPs per calendar year).

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.

Credits

Get a $100 United travel credit after using your card for 7 United purchases of $100 or more within a cardmember year.

Extra Redemption Value

Expanded award availability on United Flights when booking award flights

Lounge Access

Access to United Club lounges, with 2 free complimentary passes annually.

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 your original manufacturer's warranty time matched (up to a year). (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 insurance

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 for inflight 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.

How can the points be used?

The points can be redeemed for award flights on United airlines and its partners at the approximate value of 1 cent per point.  United Mileage partners include:
  • Aegean Airlines
  • Air Canada
  • Air China
  • Air India
  • Air New Zealand
  • All Nippon Airways (ANA)
  • Austrian Airlines
  • Avianca
  • Brussels Airlines
  • Copa Airlines
  • Croatia Airlines
  • EgyptAir
  • Ethiopian Airlines
  • EVA Air
  • LOT Polish Airlines
  • Lufthansa
  • Scandinavian Airlines (SAS)
  • Shenzhen Airlines
  • Singapore Airlines
  • South African Airways
  • Swiss Airlines
  • TAP Portugal
  • Thai Airways
  • United Airlines

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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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